How Much is Insurance for a Hyundai Sonata in Rhode Island?

How Much is Insurance for a Hyundai Sonata in Rhode Island?

Your chances of buying the cheapest insurance for a Hyundai Sonata in Rhode Island depends upon a fairly complex equation with a lot of factors like how experienced of a driver you are, whether or not you garage your vehicle, and whether or not you are a good driver. Drivers in Rhode Island pay approximately $1,440 per year to insure a Sonata, but that figure is an approximation assuming a 40-year-old married female driver that included both comprehensive and collision coverage and $100 deductibles.

There is a good probability you are not a 40-year-old female, possibly single instead of married, and maybe your Sonata is older and does not require full coverage. Everyone has unique insurance needs, and this illustrates why your best chance at finding the cheapest rates for your Hyundai is to make a habit of comparing prices at least once a year.

Compare Hyundai Sonata Insurance Rates

Vehicle trim level tends to have a direct impact on the coverage cost, so the price to insure a Sonata GLS 4-Dr Sedan will cost $148 less than the price to insure the more costly Sonata Limited 4-Dr Sedan model, as shown in the table below.

Hyundai Sonata Insurance Rates in Rhode Island
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $300 $618 $482 $28 $144 $1,572 $131
Sonata GLS 4-Dr Sedan $300 $618 $482 $28 $144 $1,572 $131
Sonata GLS 4-Dr Sedan $300 $618 $482 $28 $144 $1,572 $131
Sonata SE 4-Dr Sedan $300 $728 $482 $28 $144 $1,682 $140
Sonata SE 4-Dr Sedan $300 $728 $482 $28 $144 $1,682 $140
Sonata Limited 4-Dr Sedan $338 $728 $482 $28 $144 $1,720 $143
Sonata Limited 4-Dr Sedan $338 $728 $482 $28 $144 $1,720 $143
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in Rhode Island location which can decrease or increase insurance rates noticeably.

Finding good, cheap insurance is not the easiest thing to accomplish, and figuring out which insurers offer the cheapest insurance rates for a Hyundai Sonata requires even more rate comparisons.

Each insurance company has a different process to determine premium rates, so let’s rank the lowest cost insurance companies in Rhode Island. It’s important that readers know that Rhode Island insurance rates are based on many factors that will increase or decrease the cost of a policy. Improving your credit score, buying a different home, or getting a few speeding tickets may generate price changes that may make certain companies more affordable than the competition.

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Rhode Island auto insurance company rankings
Rank Company Cost Per Year
1 USAA $698
2 State Farm $1,139
3 Travelers $1,246
4 Amica $1,512
5 Progressive $1,529
6 Quincy Mutual $1,643
7 Peerless $1,733
8 National Grange Mutual $2,094
9 GEICO $2,493
10 MetLife $2,504
11 Nationwide $2,653
12 Encompass $2,987
13 Liberty Mutual $3,043
14 California Casualty $3,057
15 Allstate $3,058
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USAA offers some of the best car insurance rates in Rhode Island at around $698 each year. State Farm, Travelers, Amica, and Progressive would also be considered some of the more affordable Rhode Island insurance companies.

As the example above demonstrates, if you buy coverage from Travelers and switched to USAA, you could realize an annual savings of roughly $548. Insureds with Amica might save as much as $814 a year, and Progressive customers might lower prices by up to $831 a year.

Bear in mind that those prices are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific rate value for a Hyundai Sonata. So the auto insurance company that fits you best may not even be featured in the list above. That’s why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

The illustration below illustrates how your deductible choice can affect insurance prices when researching cheap insurance for a Hyundai Sonata. The price estimates are based on a single female driver, comp and collision included, and no other discounts are factored in.

A 50-year-old driver could cut expenses by $448 a year by changing from a $100 deductible to a $500 deductible, or save $676 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, could drop their prices as much as $1,142 every year just by using higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it will be necessary to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Impact of careless driving on insurance rates

A great way to receive cheap insurance for a Hyundai Sonata in Rhode Island is to be a cautious driver and avoid accidents and violations. The chart below highlights how traffic violations and at-fault claims impact premium costs for different categories of driver ages. The rate quotes are based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

The data above shows the average cost of an auto insurance policy per year with no accidents or violations is $2,944. Get one speeding ticket and the average cost surges to $3,339, an increase of $395 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of insurance for a Hyundai Sonata increases to an average of $6,672. That’s an increase of $3,728, or $311 per month, just for not paying attention while driving!

How to find the cheapest insurance for a Hyundai Sonata

Here are many thrifty suggestions that can help you locate the cheapest auto insurance.

  • Vehicles with safetly features generally cost less to insure
  • Older vehicles may not need full coverage
  • Increase your credit score
  • Save money by insuring your home and auto with the same company
  • Avoid preventable accidents
  • Compare rate quotes often

The last idea is highly necessary, as we pointed out in the prior information. Insurance rates can change significantly in a year, so drivers shouldn’t be resistant to buy from a different company if a more affordable price is available. Brand loyalty is not necessarily bad, but it’s not a great idea if that dedication is costing big bucks every year. It only take a few minutes to shop around to find cheaper insurance for a Hyundai Sonata.