What Auto Insurance is Cheapest for a Hyundai Sonata in Cincinnati?

Buying economical auto insurance for a Hyundai Sonata relies on a lot of rating criteria such as how you use your vehicle, your occupation, and if you have tickets or violations. Drivers in Ohio pay approximately $838 each year to insure their Sonata, but that cost is an approximation calculated using a 30-year-old single female driver with full coverage and $500 deductibles.

It’s more than likely you are not 30 and maybe not even a female, maybe you are married instead of single, and you may just want the cheapest liability coverage you can find. Having different needs demonstrates why the best way to find cheap insurance prices for your Hyundai is to do your own rate comparisons.

Find Cheaper Hyundai Sonata Insurance

Your vehicle’s trim level tends to impact the cost of insurance, so the price to insure a Sonata GLS 4-Dr Sedan will be $72 lower than the insurance cost for the fancier Sonata Limited 4-Dr Sedan trim level, as shown in the prices below.

Hyundai Sonata Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $158 $294 $346 $20 $104 $922 $77
Sonata GLS 4-Dr Sedan $158 $294 $346 $20 $104 $922 $77
Sonata GLS 4-Dr Sedan $158 $294 $346 $20 $104 $922 $77
Sonata SE 4-Dr Sedan $158 $346 $346 $20 $104 $974 $81
Sonata SE 4-Dr Sedan $158 $346 $346 $20 $104 $974 $81
Sonata Limited 4-Dr Sedan $178 $346 $346 $20 $104 $994 $83
Sonata Limited 4-Dr Sedan $178 $346 $346 $20 $104 $994 $83
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in zip code location which can impact premium rates significantly.

Comparing rates for affordable car insurance is confusing at best, and finding out which company has the cheapest auto insurance rates for a Hyundai Sonata will take even more perseverance. Each insurer uses their own calculation for setting prices, so let’s take a look at the auto insurance companies with the overall cheapest rates in Cincinnati.

We do need to point out that Cincinnati auto insurance rates are calculated based on many things which can substantially decrease or increase your annual premium. This is why it is critical to spend some time comparing rates to get the most economical auto insurance rates for a Hyundai Sonata. Insurance rates can be altered by many risk factors and can decrease or increase without notice, so the cheapest company the last time you shopped your coverage around may now be one of the higher cost companies.

Best Insurance Companies for Your Sonata

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Who has the cheapest car insurance in Ohio?
Rank Company Cost Per Year
1 Utica National $654
2 Erie $661
3 Frankenmuth $680
4 Allied $697
5 Travelers $726
6 USAA $741
7 Merchants Insurance Group $778
8 Cincinnati Insurance $779
9 Motorists Mutual $800
10 Grange Mutual $812
11 General Casualty $829
12 Central Mutual $848
13 State Farm $867
14 Hastings Mutual $884
15 Westfield $936
16 Atlantic States $940
17 Progressive $953
18 Western Reserve $970
19 Nationwide $988
20 Farmers $995
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Utica National has some of the lowest car insurance rates in Cincinnati at around $654 each year. Erie, Frankenmuth, Allied, and Travelers are also some of the cheaper Cincinnati, OH car insurance companies.

In the above rates, if you buy coverage from Allied and switched to Utica National, you might achieve yearly savings of in the neighborhood of $43. Insureds with Travelers could save as much as $72 a year, and USAA insureds might lower prices by $87 a year.

Bear in mind that those policy prices are averaged for all drivers and vehicles in Ohio and are not factoring in an exact location for a Hyundai Sonata. So the auto insurance company that fits your situation best may not even be in the top 33 companies in the list above. That points out the importance of why you need to get rate quotes using your own driver and vehicle profiles.

Full coverage versus liability-only in Cincinnati

Reducing premiums for auto insurance is important to the majority of drivers, and a good way to save on the cost of insurance for a Hyundai Sonata is to only pay for liability coverage. The diagram below illustrates the difference between car insurance rates when comparing full coverage to liability only. The price estimates are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

As an average, comp and collision coverage costs $1,634 per year more than just buying liability only. That is a large expense which might make you wonder if you should buy full coverage. There is no clear-cut formula for phasing out physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.

There are a few cases where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Irresponsible driving raises your rates

The ideal way to obtain cheap auto insurance rates for a Sonata is to be a cautious driver and avoid tickets and accidents. The illustration below demonstrates how citations and at-fault collisions increase insurance costs for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of auto insurance in Cincinnati per year with no accidents or violations is $1,394. Factor in two speeding tickets and the average cost rises to $1,925, an increase of $530 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Hyundai Sonata jumps again to an average of $3,868. That’s an increase of $2,473, or $206 per month, just for not driving carefully!

The example below highlights how deductible choice can change insurance costs when getting quotes for cheap insurance for a Hyundai Sonata. The rate quotes are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

As shown above, a 40-year-old driver could pocket $222 a year by increasing from a $100 deductible to a $500 deductible, or save $336 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, could drop their prices as much as $736 or more just by choosing higher deductibles when buying full coverage.

If you do raise deductibles, it is important to have enough savings to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.