What Car Insurance is Cheapest for a Hyundai Sonata in Cleveland?

Buying economical insurance for a Hyundai Sonata depends on an enormous amount of rating factors such as how long your commute is, your residence address, and driving violations. Drivers will pay around $670 annually to insure their Sonata, but that amount is an estimate based upon a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.

The problem with using this number is the good chance you aren’t exactly 40 years old or even a male, you might be married instead of single, and maybe you want higher deductibles. Not every driver requires the same auto insurance coverages, so the best way to find cheap insurance rates for your Hyundai is to put in the effort to do a thorough rate comparison.

Compare Rates and Save

Vehicle trim level tends to have a direct effect on the annual cost of coverage, so the price to insure a Sonata GLS 4-Dr Sedan model will be $52 lower than the price to insure the more costly Sonata Limited 4-Dr Sedan version, as demonstrated by the prices below.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific location which can alter rates noticeably.

Finding the highest-rated company can be a challenge considering how many companies sell insurance in Cleveland. The company rank data shown next can help you decide which auto insurers to look at shopping your coverage with. The ratings below only include companies with a national presence, so companies that focus mainly on Ohio business are not taken into consideration for this list.

Top 10 Major Auto Insurers in Cleveland Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Get discounts on Cleveland insurance rates

Auto insurance companies that offer coverage for a Hyundai Sonata may also provide policy discounts that may potentially lower prices by as much as 25% or more if you meet the requirements. Companies and some of the discounts are:

• Progressive may include discounts for good student, homeowner, online quote discount, continuous coverage, multi-policy, multi-vehicle, and online signing.
• The Hartford offers discounts for good student, bundle, air bag, vehicle fuel type, anti-theft, and driver training.
• Mercury Insurance may offer discounts for professional/association, age of vehicle, anti-theft, accident-free, multi-policy, and multi-car.
• GEICO offers discounts including daytime running lights, military active duty, air bags, anti-theft, and federal employee.
• AAA discounts include anti-theft, AAA membership discount, multi-policy, good driver, education and occupation, pay-in-full, and multi-car.
• State Farm includes discounts for Drive Safe & Save, Steer Clear safe driver discount, accident-free, passive restraint, defensive driving training, multiple policy, and safe vehicle.

The illustration below illustrates the comparison of car insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, passive restraint, defensive driving course, accident-free, multiple policy, and marriage discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance for a Hyundai Sonata is 28% or $405.

Why you are probably overpaying for Sonata insurance

Cleveland auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. Turning one year older, moving to a different location, or getting a reckless driving citation can produce rate changes that can now make some companies much cheaper than others. Not only may things change on your end, but insurance companies amend premium rates every year or even multiple times each year in order to remain profitable. A period of increased losses may cause high rates, while a better loss history can produce more affordable Sonata insurance rates.

To help illustrate this point, the data below shows a variety of companies that have the cheapest car insurance in Cleveland, OH for a 35-year-old female driver with no accidents or violations, and good credit. When quoting prices based on her current risk factors, Utica National quotes the lowest car insurance rates in Cleveland at $804 annually. This is $236 less than the average premium paid by Ohio drivers of $1,040. Allied, Frankenmuth, Erie, and USAA are also included in the most affordable Cleveland, OH auto insurance companies.

Let’s now give the driver from the first example a claim, bad credit, and a traffic ticket or two. Since each auto insurance company uses their own calculation for filing rates in each state, comparing prices may now present a completely different list of the cheapest car insurance companies in Cleveland as shown below.

Merchants Insurance Group now has the cheapest car insurance in Cleveland, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also having competitive pricing. This example demonstrates why it is crucial to shop around to find affordable insurance quotes for a Hyundai Sonata. Prices can be altered by many factors and change dramatically, so the most economical option when you last compared rates may now not even be in the top five.

If you aren’t clear which coverage you need and would like to get some professional input when buying car insurance for a Sonata, the agents shown below can help you determine which coverages are best.

To find a Cleveland insurance agent nearest to you, click the link after the list or click here to compare rates now.

More Cleveland, OH insurance agents

How to find low-cost auto insurance for a Hyundai Sonata

Lowering your rates is not difficult, and here are a few money-saving ideas that can help drivers find cheaper coverage.

• Get cheaper liability coverage by choosing a safer vehicle
• Drop full coverage on older vehicles
• Better credit scores save money
• Accident-free drivers may qualify for discounts
• Serious violations like DUI or reckless driving can increase rates dramatically
• Raise physical damage deductibles
• Compare rates and switch if you can find a better deal

That final tip is remarkably valuable, as we pointed out in this write-up. Auto insurance rates in Cleveland go up and down frequently, so don’t be unwilling to switch companies if you can find a cheaper rate.

Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty results in overpaying thousands of dollars over several years. In less than five minutes you could compare prices to find cheaper auto insurance for a Hyundai Sonata.