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

Your chances of buying cheap auto insurance for a Hyundai Sonata in Indiana is contingent on many different factors such as if you are a renter or homeowner, the likelihood of your vehicle being stolen, and the level of deductible you choose. Drivers in Indiana on average pay around $1,050 a year to insure a Sonata, but that figure is a projection using rate data for a 50-year-old single male with comprehensive and collision coverage and $100 physical damage deductibles.

There is a very good chance that you are not a 50-year-old male, married instead of single, or maybe you need higher liability limits than the state minimum. Every policy is rated specifically for the driver, so the most reliable way to find cheap car insurance rates for your Hyundai is to start the habit of comparing rates at least once a year.

Click Here to Start Your Quote

The trim level of your Sonata will influence price, so the rate you pay to insure a Sonata GLS 4-Dr Sedan model will be $106 less than the insurance cost for the more expensive Sonata Limited 4-Dr Sedan version, as demonstrated by the prices below.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can modify premiums significantly.

Comparing quotes for low-priced insurance is difficult, and determining which companies have the best insurance rates for a Hyundai Sonata will require a bit more work. Every insurance company has their own unique process for determining prices, so let’s begin by taking a look at the lowest cost insurance companies in Indiana.

It’s important to know that Indiana insurance rates are influenced by many factors that control the policy premium. That is why Indiana drivers need to take the time to shop around when trying to get the most economical insurance rates for a Hyundai Sonata. Auto insurance prices can be altered by many things and can decrease or increase without notice, so the best price when you last compared rates may now be wasting a lot of money.

Find Cheaper Car Insurance for Your Sonata

Start Your Free Quote

Travelers has some of the most affordable car insurance rates in Indiana at around $620 per year. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual are also some of the cheapest Indiana auto insurance companies.

As shown in the rates above, if you have coverage with Indiana Farmers Mutual and switched to Cincinnati Insurance, you might realize savings of in the vicinity of $183. Customers with Western Reserve could save as much as $206 a year, and The Hartford customers might reduce prices by as much as $223 a year.

Bear in mind that those premium estimates are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a specific rate value for a Hyundai Sonata. So the auto insurance company that is best suited for you may not even be featured in the rate chart shown above. That underscores the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Discounts on cheap insurance for a Hyundai Sonata in Indiana

Auto insurance companies that provide policies for a Hyundai Sonata may have policy discounts that can reduce rates by 25% or more if you qualify for them. A list of companies and a partial list of their discounts are:

The diagram below shows the comparison of insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no claims or violations, Indiana state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, passive restraint, homeowner, defensive driving course, marriage, and accident-free discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for a Hyundai Sonata is % or $.

Drive safe and save

The ideal way to enjoy cheap insurance rates for a Sonata is to be a safe driver and avoid at-fault accidents and violations. The diagram below demonstrates how speeding tickets and at-fault claims raise yearly insurance costs for each different age category. The data is based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of an auto insurance policy per year with no violations or accidents is $1,877. Receive two speeding tickets and the average cost swells to $2,598, an increase of $722 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for a Hyundai Sonata jumps again to an average of $3,327. That’s an increase of $1,451, or $121 per month, just for a couple of infractions!

How to find more affordable auto insurance for a Hyundai Sonata

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help drivers locate cheaper coverage.

• Do not pay for comprehensive and collision coverage on older vehicles
• Avoid speeding and other traffic citations and pay less
• Increase your credit score
• Accident-free drivers may qualify for discounts
• Increase deductibles to save money
• Drive vehicles with five-star safety ratings
• Comparison shop frequently

The last item on the list is certainly significant, as was noted in the article above. Auto insurance prices in Indiana can change significantly in a year, so drivers shouldn’t be reluctant to buy a different policy if you can save money.

Having a favorite company is fine, but it’s not a good idea if that devotedness results in you overpaying hundreds of dollars a year. Take a couple minutes and shop around and find cheaper car insurance for a Hyundai Sonata.

Geico, Allstate, Progressive, or State Farm: Who is cheapest?

When comparing auto insurance, some of the largest companies to start with are Geico, Allstate, Progressive, and State Farm. The data below ranks some of the different features that policyholders can buy.