Insurance for Hyundai SonataWish you could get out of an expensive car insurance policy? Believe me when I say you're not the only one.

A study showed that most car insurance policyholders in Massachusetts kept buying from the same company for well over three years, and almost half have never compared rates to find lower-cost insurance. Many consumers in America can save hundreds of dollars each year, but they just don't understand how much money they would save if they switched to a cheaper policy. Because you have many options for buying affordable insurance for a Hyundai Sonata in Boston, it can be diffult for drivers to locate the lowest cost insurer.

It's a good habit to do price comparisons quite often since rates are adjusted regularly by insurance companies. Even if you got the best rate on Hyundai Sonata insurance in Boston a couple years back the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to how to quote online to buy cheaper Hyundai Sonata insurance in Boston.

Getting quotes for cheaper insurance policy in Boston is not as confusing as people think. If you have a policy now or need a new policy, you can learn to shop for the lowest rates without reducing coverage. Comparison shoppers just need to know how to shop on the web.

Getting a cheaper price on Hyundai Sonata insurance doesn't have to be difficult. Consumers just need to take a few minutes to compare rates online from several insurance companies.

Online shopping is fast and free, and it makes it a waste of time to actually drive to different Boston agent offices. Shopping for auto insurance online makes this process obsolete unless you have a complicated situation and need the professional abilities of a local agency. It is possible with some companies obtain prices from the web but purchase the actual policy in an agency.

The car insurance companies shown below provide free rate quotes in Boston, MA. If multiple companies are shown, we recommend you click on several of them to get the most affordable price.

Hyundai Sonata Insurance Price Estimates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $224 $442 $362 $22 $108 $1,158 $97
Sonata GLS 4-Dr Sedan $222 $426 $426 $26 $128 $1,228 $102
Sonata GLS 4-Dr Sedan $154 $310 $490 $30 $146 $1,130 $94
Sonata SE 4-Dr Sedan $164 $352 $362 $22 $108 $1,008 $84
Sonata SE 4-Dr Sedan $294 $512 $494 $30 $148 $1,478 $123
Sonata Limited 4-Dr Sedan $250 $528 $426 $26 $128 $1,358 $113
Sonata Limited 4-Dr Sedan $140 $274 $362 $22 $108 $906 $76
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in vehicle location which can raise or lower rates considerably.

Premiums by gender and age

The information below illustrates the comparison of Hyundai Sonata insurance prices for male and female drivers. The rates are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, single marital status, and no additional discounts are factored in.

Can higher deductibles save money?

The diagram below illustrates how choosing a deductible and can increase or decrease Hyundai Sonata insurance prices for each different age group. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied.

Rate comparison for different deductibles

One frequently asked question is how high should your deductibles be. The comparison tables below sum up the rate difference of buying low and high physical damage coverage deductibles. The first data table uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Hyundai Sonata insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $258 $436 $378 $22 $114 $1,233 $103
Sonata GLS 4-Dr Sedan $258 $436 $378 $22 $114 $1,233 $103
Sonata GLS 4-Dr Sedan $258 $436 $378 $22 $114 $1,233 $103
Sonata SE 4-Dr Sedan $258 $512 $378 $22 $114 $1,309 $109
Sonata SE 4-Dr Sedan $258 $512 $378 $22 $114 $1,309 $109
Sonata Limited 4-Dr Sedan $292 $512 $378 $22 $114 $1,343 $112
Sonata Limited 4-Dr Sedan $292 $512 $378 $22 $114 $1,343 $112
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Hyundai Sonata insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $160 $274 $378 $22 $114 $948 $79
Sonata GLS 4-Dr Sedan $160 $274 $378 $22 $114 $948 $79
Sonata GLS 4-Dr Sedan $160 $274 $378 $22 $114 $948 $79
Sonata SE 4-Dr Sedan $160 $322 $378 $22 $114 $996 $83
Sonata SE 4-Dr Sedan $160 $322 $378 $22 $114 $996 $83
Sonata Limited 4-Dr Sedan $180 $322 $378 $22 $114 $1,016 $85
Sonata Limited 4-Dr Sedan $180 $322 $378 $22 $114 $1,016 $85
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in specific garaging location which can increase or decrease coverage prices greatly.

We can estimate from the data above that using a $250 deductible will cost you roughly $25 more each month or $300 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 30 months between claim filings, you would probably save some money if you elect the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $107
Average monthly premium for $1,000 deductibles (subtract): - $82
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One thing to be aware of is that raising deductibles means you pay more out-of-pocket when you have a comprehensive or collision claim. That will require enough disposable income in the event you need to pay the deductible to have repairs made.

Local Boston auto insurance agents

Some people just prefer to sit down and talk to an agent and doing so can bring peace of mind Professional agents will help you protect your assets and help in the event of a claim. A nice benefit of price shopping on the web is the fact that you can find cheap insurance quotes and still have a local agent. And buying from local agencies is important particularly in Boston.

For easy comparison, once you complete this form (opens in new window), your coverage information gets sent to local insurance agents in Boston who will give you quotes for your insurance coverage. You don't have to leave your computer due to the fact that quote results will go to you. If you want to get a rate quote from a specific company, don't hesitate to navigate to their website and give them your coverage information.

If you want to use a local Boston insurance agency, it's important to understand the different agency structures that you can choose from. Boston agents are considered either exclusive agents or independent agents. Both types of agents can handle insurance, but it's important to point out the differences since it can affect the selection process.

Independent Agents

Agents that choose to be independent do not sell for just one brand and that gives them the ability to insure with many different companies and find you cheaper rates. If they quote lower rates, they can switch companies in-house and you don't have to find a new agent.

When comparing rate quotes, you definitely need to get some free quotes from at a minimum one independent agency to ensure the widest selection of prices.

Featured below is a small list of independent insurance agents in Boston that may be able to provide comparison quotes.


281 Western Ave - Boston, MA 02134 - (617) 229-6413 - View Map


55 Union St - Boston, MA 02108 - (617) 924-4915 - View Map


8 Clarendon St - Boston, MA 02116 - (617) 437-9400 - View Map

More Boston agents

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to shop your coverage around so you might not find the best rates. Exclusive agencies are highly trained on their company's products which helps overcome the inability to quote other rates.

Shown below is a list of exclusive insurance agencies in Boston that are able to give rate quotes.


571 Dudley St Ste A - Boston, MA 02125 - (617) 442-9490 - View Map


125 High St - Boston, MA 02110 - (617) 443-9300 - View Map

More Boston agents

Finding a good auto insurance agent is decision based upon more than just the quoted price. The following questions are important to ask.

After receiving positive feedback as well as an affordable premium quote, you've probably found an insurance agency that meets the criteria to properly service your insurance policy. Just remember you are able to cancel your coverage for any reason so don't assume that you are obligated to the insurance policy with no way to switch.