Who Has the Cheapest Auto Insurance for a Hyundai Sonata in Boston?

Buying cheaper car insurance for a Hyundai Sonata is pretty easy to do, but it relies on a lot of different factors such as how you use your Sonata, your credit score, and violations on your driving record. Drivers in Massachusetts pay around $978 a year for Sonata insurance, but that amount is calculated using a 30-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.

It’s more than likely you may not be 30 years old (or even male), you might be single instead of married, and you may just want the cheapest liability coverage you can find. The different assumptions illustrate why the only real way to find the cheapest rates for your Hyundai is to do a thorough rate comparison.

Find Cheaper Hyundai Sonata Insurance

The specific model of Sonata can impact the annual cost of coverage, so the price to insure a Sonata GLS 4-Dr Sedan will cost $90 less than the cost to insure the more expensive Sonata Limited 4-Dr Sedan model, as shown in the chart below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in zip code location which can lower or raise premiums substantially.

Finding reliable, reasonably-priced car insurance is not easy, and finding out which companies offer the cheapest insurance rates for a Hyundai Sonata will involve a little more work. Each insurer uses their own calculation for determining rates in each state, so first let’s look at the rankings for the insurance companies with the overall best prices in Massachusetts.

It’s a good idea to be aware that Boston insurance rates are calculated based on many things which can significantly increase or decrease the price you pay for coverage. Turning one year older, buying a different vehicle, or getting a ticket for running a stop sign can trigger rate changes that may make certain companies higher-priced than before.

Cheap Insurance Rates for Your Sonata

Start Your Free Quote

State Farm may have some of the most affordable car insurance rates in Boston at around $741 each year. This is $494 less than the average premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group would also be considered some of the best Boston, MA auto insurance companies.

In this example, if you are a customer of Commerce Group and switched to National Grange Mutual, you could earn a yearly price reduction of in the neighborhood of $80. Massachusetts drivers with Progressive may save as much as $168 a year, and USAA policyholders might lower prices by $203 a year.

To find cheaper insurance rates for your vehicle, click here to get quotes or click several companies below for low rates.

It’s important to note that these prices are averaged for all drivers and vehicles and do not factor in a specific vehicle garaging location for a Hyundai Sonata. So the auto insurance company that can offer you the best price may not even be in the top 21 companies in the list above. That’s why you need to get car insurance quotes using your own driver information and specific vehicle type.

Cost difference between full coverage and liability

Paying a lower price for insurance is probably important to the majority of drivers, and one great way to save on the cost of insurance for a Hyundai Sonata is to buy only liability coverage. The illustration below visualizes the comparison of annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Massachusetts. Data assumes no claims or driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.

If we average the cost for all age groups, full coverage on your policy costs $1,987 per year more than insuring for liability only. That is a significant amount which raises the question if it’s a good idea to buy full coverage. There is no set rule to stop paying for physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

Types of discounts on Boston insurance rates

Insurance companies that provide coverage for a Hyundai Sonata may also offer rate discounts that may potentially lower prices by as much as 30% if you meet the requirements. Larger insurance companies and a partial list of their discounts can be read below.

• Progressive offers discounts including good student, online signing, continuous coverage, homeowner, online quote discount, multi-vehicle, and multi-policy.
• GEICO includes discounts for air bags, daytime running lights, federal employee, military active duty, emergency military deployment, and membership and employees.
• State Farm policyholders can earn discounts including good student, multiple policy, passive restraint, driver’s education, accident-free, and student away at school.
• Esurance may offer discounts for DriveSense, anti-lock brakes, online shopper, safety device, and renters.
• The Hartford may include discounts for vehicle fuel type, good student, bundle, air bag, anti-theft, driver training, and defensive driver.

The chart below shows the difference between insurance rates with and without discounts applied to the policy premium. The premiums are based on a male driver, no violations or claims, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, accident-free, vehicle safety, marriage, passive restraint, and multiple policy discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for a Hyundai Sonata is 28% or $532.

Tickets and at-fault accidents raise rates

The easiest way to maintain affordable insurance premiums in Boston for a Sonata is to be a safe driver and avoid tickets and accidents. The diagram below shows how violations and fender-benders influence auto insurance rates for each age group. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of car insurance per year with a clean driving record and no accidents is $1,611. Receive two speeding tickets and the average cost rises to $2,214, an increase of $603 each year. Then add one accident along with the two speeding tickets and the yearly cost of insurance for a Hyundai Sonata increases to an average of $2,831. That’s an increase of $1,220, or $102 per month, just for not driving safely!