Who Has Cheap Insurance Quotes for a Hyundai Sonata in Ohio?

When we talk about car insurance, the words cheap or affordable should not appear anywhere in the article. Excuse the oxymoron, but cheap auto insurance for a Hyundai Sonata is not always easy to find. But don’t despair, because we will tell you how you can get car insurance that doesn’t break your budget.

The likelihood of finding cheaper coverage for a Hyundai Sonata in Ohio depends upon lots of different rating factors such as the number of years you have been driving, your profession, and driving violations. Ohio drivers pay an average of $720 annually for Sonata insurance, but that price is a valuation using a 40-year-old married male that wants full comprehensive and collision coverage and $250 policy deductibles.

But there is a high likelihood that you aren’t exactly 40 years old or even a male, single instead of married, and maybe your Sonata is older and does not require full coverage. Having different needs demonstrates why your best chance at finding cheap auto insurance rates for your Hyundai is to just take the time to do a thorough rate comparison. To start saving now, get free quotes and you can get rates from some of the best insurers that insure Hyundai vehicles in Ohio.

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The trim level of your Sonata will be a contributing factor to the annual cost of coverage, so the price to insure a Sonata GLS 4-Dr Sedan trim level will be $68 less than the insurance cost for the more expensive Sonata Limited 4-Dr Sedan trim level, as shown in the chart below.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in zip code location which can affect premiums significantly.

Finding low-priced car insurance is difficult, and deciding which companies have the lowest-priced car insurance rates for a Hyundai Sonata may require additional perseverance.

Every car insurance company uses a slightly different approach to establish rates, so let’s take a look at the car insurance companies with the overall cheapest rates in Ohio. Keep in mind that Ohio car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of a policy. This is why it is critical to perform a complete rate comparison when trying to find cheap car insurance rates for a Hyundai Sonata. Car insurance prices can be determined by many different factors and can decrease or increase without notice, so the most economical option a year ago may now be one of the more expensive options.

Best Insurance Companies for Your Sonata

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Utica National may offer some of the most affordable car insurance rates in Ohio at around $635 annually. Erie, Allied, Frankenmuth, and USAA also make the cut as some of the lowest-priced Ohio auto insurance companies.

In this example, if you have coverage with Erie and switched to Utica National, you might see an annual savings of upwards of $26. Insureds with Allied might save as much as $34 a year, and Frankenmuth policyholders might lower prices by up to $66 a year.

These policy rates are averages across all drivers and vehicles in Ohio and are not factoring in a specific rate factor for a Hyundai Sonata. So the car insurance company that is best suited for you may not even be featured in the chart above. That’s why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

Responsible drivers pay cheaper car insurance rates

In a perfect world, the best way to receive affordable car insurance rates in Ohio for a Sonata is to drive safe and have a clean driving record. The chart below highlights how speeding tickets and accidents can raise car insurance rates for each age group. The data assumes a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

The chart shows that the average cost of auto insurance in Ohio per year with no violations or accidents is $1,221. Receive two speeding tickets and the average cost increases to $1,680, an increase of $459 each year. Now get one accident along with the two speeding tickets and the 12-month cost of car insurance for a Hyundai Sonata increases to an average of $2,152. That’s an increase of $931, or $78 per month, just for not driving safely!

Geico vs Allstate vs State Farm vs Progressive

When buying insurance for a Sonata in Ohio, the top insurers to get price quotes from are Geico, Allstate, State Farm, and Progressive. All four offer physical damage and liability coverage, but each has different options that buyers can choose from. The next table illustrates ratings for price and service, as well as some optional coverages you can expect with each one.

Cheap Hyundai Sonata insurance quotes

You have a lot of ways to comparison shop for car insurance in Ohio, but the most popular are either through a captive (or exclusive) agent such as Allstate or State Farm, an independent insurance agent, or from a direct company like Progressive. Each way is similar, but it’s important to point out the distinctions in how they provide price quotes.

Independent agents write business for many companies and can get rate quotes from each one. These types of agents are not restricted to one company and can quote rates with many companies, which may give you improved odds of finding cheaper coverage. If your agent finds better pricing, your policy can be easily switched to a different company and you don’t have to find a new agent.

Exclusive agencies are only able to quote your policy with a single insurance company, two examples are a Liberty Mutual or State Farm agent. Exclusive agents are unable to provide rates from more than one company, so if prices are high they cannot provide alternatives.

Buying direct means you skip either of the other two types of agents and instead buy from a direct company like Geico. Shopping direct may be preferred by families who do not have a lot of assets and know more than average about what car insurance covers and what it doesn’t.

Out of those three methods, which one works best to find cheap insurance for a Hyundai Sonata in Ohio? Most drivers assume that shopping direct results in the cheapest price since that prevents the need to pay agent commissions, but that generally is not the case. A good argument could also be made that buying car insurance from an independent agent guarantees the cheapest rates due to increased selection, but that’s not always true, either. In the right set of circumstances, exclusive agencies have coverage prices that are impossible to beat.

Due to the fact that car insurance rates vary so much, really the best method to find out which one is cheapest is to get as many comparison quotes as possible. To find the best rates, be sure to get quotes from all three types to have the best rate selection. For a list of companies offering online discounts in Ohio, click here to view.