Hyundai Sonata Insurance in Ohio
Rates from $27 – $45/mo minimum coverage, $87 – $146/mo full coverage. Compare top OH carriers below.
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Updated June 2026 · Source: Ohio DOI + IQ rate model
Average monthly premium — 2024 Hyundai Sonata, Ohio
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Hyundai Sonata drivers in Ohio
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Hyundai Sonata insurance costs what it does in Ohio
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
Raises comprehensive premium ~8%. Factory immobilizer + tracking discounts available.
Parts cost and claim severity sit near the national average.
Ohio requires 25/50/25 liability minimums. The state has one of the most competitive auto insurance markets in the country (Progressive is HQ'd in Mayfield Village), which keeps prices low. Cleveland, Columbus, and Cincinnati premiums are 10-20% above the state average.
Frequently asked questions
01How much is Hyundai Sonata insurance in Ohio?
Ohio drivers of a 2024 Hyundai Sonata pay about $87 – $146 per month for full coverage, or roughly $27 – $45 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Sonata?
Yes. If your Sonata has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Ohio law itself only requires the state liability minimums (25/50/25), but the lender's contract overrides that.
03What's the cheapest carrier for a Sonata in Ohio?
Cheapest varies by driver profile, but in Ohio the major carriers most often quoting the lowest premiums for a Sonata are GEICO, Progressive, and State Farm. Regional carriers (Erie, Cincinnati Insurance, and Westfield) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the Sonata's theft rate raise my comprehensive premium?
Yes, modestly. The Hyundai Sonata ranks #14 on the NICB Hot Wheels most-stolen list, which adds roughly 5-12% to comprehensive premiums vs an equivalent vehicle not on the list. Anti-theft devices (factory immobilizer, kill switch, tracking) can offset most of the surcharge — ask your agent which discounts your OH carrier offers.
05Does Ohio require SR-22 after a DUI for a Sonata?
After a DUI, Ohio requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Sonata typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.