Hyundai Genesis Insurance Rates
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UPDATED: Apr 14, 2024
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How much is a Hyundai Genesis insurance policy? Average Hyundai Genesis insurance rates are $133 per month or $1,598 annually. However, your rates may vary slightly depending on your driver demographics and the model year of your Genesis.
For example, if you are comparing the 2014 Hyundai Genesis Coupe insurance costs with the Hyundai Genesis Sedan insurance costs, you’ll receive slightly different rates. Read through our complete Hyundai Genesis guide to learn what you can do to secure cheap car insurance for your Genesis.
Ready to start comparing your best Hyundai Genesis car insurance rates? Simply enter your ZIP code into our FREE online tool above to find the best Hyundai Genesis car insurance rates in your area.
Estimated insurance prices for a Hyundai Genesis are $1,376 every 12 months for full coverage. Comprehensive insurance costs approximately $250, collision insurance costs $426, and liability is $520. Liability-only coverage costs around $576 a year, and high-risk coverage costs $2,980 or more. Teenage drivers pay the most at up to $5,348 a year.
Average premium for full coverage: $1,376
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all Genesis models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Hyundai Genesis range from the cheapest price of $576 for just liability insurance to the much higher price of $2,980 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.
These rate differences show why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows average Hyundai Genesis insurance rates for additional coverage and risk scenarios.
- The best discount rate is $808
- Raising to $1,000 deductibles will save $154 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,376
- Using pricier low deductibles costs an extra $300 annually
- Drivers who are prone to accidents and violations could pay around $2,980
- An auto insurance policy to insure a 16-year-old driver for full coverage can cost $5,348
Insurance prices for a Hyundai Genesis also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Genesis.
Using high physical damage deductibles can reduce prices by up to $460 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,300 extra annually, depending on your age. Hyundai Genesis insurance for high-risk drivers is expensive and can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Hyundai Genesis insurance prices. A middle-age driver might find prices as low as $910 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,960 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,244 | -$132 | -9.6% |
| Alaska | $1,054 | -$322 | -23.4% |
| Arizona | $1,144 | -$232 | -16.9% |
| Arkansas | $1,376 | -$0 | 0.0% |
| California | $1,568 | $192 | 14.0% |
| Colorado | $1,314 | -$62 | -4.5% |
| Connecticut | $1,414 | $38 | 2.8% |
| Delaware | $1,558 | $182 | 13.2% |
| Florida | $1,722 | $346 | 25.1% |
| Georgia | $1,272 | -$104 | -7.6% |
| Hawaii | $988 | -$388 | -28.2% |
| Idaho | $932 | -$444 | -32.3% |
| Illinois | $1,024 | -$352 | -25.6% |
| Indiana | $1,040 | -$336 | -24.4% |
| Iowa | $930 | -$446 | -32.4% |
| Kansas | $1,306 | -$70 | -5.1% |
| Kentucky | $1,876 | $500 | 36.3% |
| Louisiana | $2,040 | $664 | 48.3% |
| Maine | $848 | -$528 | -38.4% |
| Maryland | $1,136 | -$240 | -17.4% |
| Massachusetts | $1,098 | -$278 | -20.2% |
| Michigan | $2,388 | $1,012 | 73.5% |
| Minnesota | $1,152 | -$224 | -16.3% |
| Mississippi | $1,648 | $272 | 19.8% |
| Missouri | $1,220 | -$156 | -11.3% |
| Montana | $1,478 | $102 | 7.4% |
| Nebraska | $1,086 | -$290 | -21.1% |
| Nevada | $1,652 | $276 | 20.1% |
| New Hampshire | $992 | -$384 | -27.9% |
| New Jersey | $1,538 | $162 | 11.8% |
| New Mexico | $1,218 | -$158 | -11.5% |
| New York | $1,450 | $74 | 5.4% |
| North Carolina | $794 | -$582 | -42.3% |
| North Dakota | $1,128 | -$248 | -18.0% |
| Ohio | $950 | -$426 | -31.0% |
| Oklahoma | $1,414 | $38 | 2.8% |
| Oregon | $1,260 | -$116 | -8.4% |
| Pennsylvania | $1,312 | -$64 | -4.7% |
| Rhode Island | $1,836 | $460 | 33.4% |
| South Carolina | $1,248 | -$128 | -9.3% |
| South Dakota | $1,162 | -$214 | -15.6% |
| Tennessee | $1,204 | -$172 | -12.5% |
| Texas | $1,658 | $282 | 20.5% |
| Utah | $1,018 | -$358 | -26.0% |
| Vermont | $944 | -$432 | -31.4% |
| Virginia | $824 | -$552 | -40.1% |
| Washington | $1,064 | -$312 | -22.7% |
| West Virginia | $1,260 | -$116 | -8.4% |
| Wisconsin | $954 | -$422 | -30.7% |
| Wyoming | $1,226 | -$150 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Genesis 2.0T 2-Dr Coupe | $1,414 | $118 |
| Hyundai Genesis 3.8 4-Dr Sedan | $1,156 | $96 |
| Hyundai Genesis 2.0T Premium 2-Dr Coupe | $1,450 | $121 |
| Hyundai Genesis 2.0T Track 2-Dr Coupe | $1,470 | $123 |
| Hyundai Genesis 3.8 2-Dr Coupe | $1,450 | $121 |
| Hyundai Genesis 3.8 Grand Touring 2-Dr Coupe | $1,470 | $123 |
| Hyundai Genesis 3.8 Track 2-Dr Coupe | $1,500 | $125 |
| Hyundai Genesis 4.6 4-Dr Sedan | $1,212 | $101 |
Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Hyundai Genesis | $250 | $426 | $520 | $1,376 |
| 2015 Hyundai Genesis | $242 | $400 | $524 | $1,346 |
| 2014 Hyundai Genesis | $236 | $374 | $534 | $1,324 |
| 2013 Hyundai Genesis | $218 | $346 | $534 | $1,278 |
| 2012 Hyundai Genesis | $212 | $314 | $540 | $1,246 |
| 2011 Hyundai Genesis | $198 | $288 | $534 | $1,200 |
| 2010 Hyundai Genesis | $186 | $262 | $534 | $1,162 |
| 2009 Hyundai Genesis | $180 | $234 | $530 | $1,124 |
Rates are averaged for all Hyundai Genesis models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Hyundai Genesis Insurance
Finding better rates on insurance for a Hyundai Genesis consists of being a good driver, having good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates every other policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a review of the ideas that were touched on in this article.
- Drivers age 16 to 20 are expensive to insure, as much as $446 per month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,600 more per year than a safer driver
- Increasing policy deductibles could save as much as $450 each year
- Drivers can save around $160 per year just by quoting online well ahead of the renewal date
If you are wondering if a Hyundai Genesis Coupe is expensive to insure in your area, the best way to find out is to get car insurance quotes from multiple different companies.
Getting multiple Hyundai Genesis car insurance quotes on comparison sites will allow you to quickly find the best rates, whether you are looking for the 2012 Hyundai Genesis Coupe 2.0 T insurance costs or the 2015 Hyundai Genesis insurance costs.
To find out how much is insurance for a Hyundai Genesis coupe or sedan in your area and to secure some major savings, enter your ZIP code into our free quote tool below.
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What are the Hyundai Genesis safety ratings?
The Hyundai Genesis has some great advanced safety features, such as a rearview camera, lane departure warning, forward collision warning, and more.
The Hyundai Genesis safety ratings are also excellent, as the Insurance Institute for Highway Safety (IIHS) gave the Hyundai Genesis a 2016 Top Safety Pick award.
The ratings below are a breakdown of the IIHS’s overall rating for the 2016 Hyundai Genesis.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
As you can see, the 2016 model received nearly perfect safety ratings across the board. Your car insurance rates will already reflect these phenomenal safety ratings.
What are the Hyundai Genesis crash test ratings?
Another great way to estimate your potential Hyundai Genesis car insurance rates is by looking at crash test ratings for your vehicle’s specific model year.
See a breakdown of the Hyundai Genesis crash test ratings by model year as performed by the National Highway Traffic Safety Administration (NHTSA) in the table below.
Hyundai Genesis Crash Test Ratings| Vehicle Make and Model | Overall Crash Test Ratings | Frontal Crash Test Ratings | Side Crash Test Ratings | Rollover Crash Test Ratings |
|---|---|---|---|---|
| 2011 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2011 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2013 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2013 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2014 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2014 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2015 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2015 Hyundai Genesis 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2015 Hyundai Genesis 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Hyundai Genesis 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Hyundai Genesis 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
A 5-star rating is the highest possible score given by the NHTSA. Overall, the Hyundai Genesis received great crash test ratings.
You may have noticed that earlier models of the Hyundai Genesis were not crash tested. If you drive one of those model years, your insurance rates will be different than the 2015 and 2016 model years with more well-rounded results.
Should you compare the Hyundai Genesis against other vehicles in the same car class?
Is a Hyundai Genesis considered a sports car? No, technically, the Hyundai Genesis is classified as a large luxury car and not a sports car. Although, both luxury and sports cars tend to have higher than average liability rates.
In the table below, let’s explore the Hyundai Genesis insurance loss probability details to get a clearer idea of how much different insurance coverages might cost you.
Keep in mind that lower loss ratios mean lower car insurance rates. However, higher loss ratios mean higher than average car insurance premiums.
Hyundai Genesis Insurance Loss Rates| Insurance Coverage Categories | Loss Rates |
|---|---|
| Collision | 54% |
| Property damage | -29% |
| Comprehensive | 54% |
| Personal injury | -15% |
| Medical payment | -1% |
| Bodily injury | N/A |
The Hyundai Genesis has substantially worse than average comprehensive and collision loss ratios. If you are hoping to purchase a full coverage car insurance policy for your Genesis, expect the collision and comprehensive coverages to be higher than average.
If you want to better see how the Hyundai Genesis’s rates compare to other large luxury cars, view the list below.
You are officially an expert on securing affordable Hyundai Genesis car insurance costs. Remember, the best Hyundai Genesis car insurance company will provide you with competitive rates without compromising your coverage levels.
You’re now ready to buy Hyundai Genesis car insurance. To find out what the cost of a Hyundai Genesis is to insure in your area, just enter your ZIP code into our free quote tool to find your best rates and save.
References:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,348 |
| 20 | $3,174 |
| 30 | $1,418 |
| 40 | $1,376 |
| 50 | $1,262 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,676 |
| $250 | $1,536 |
| $500 | $1,376 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,376 |
| 50/100 | $1,290 |
| 100/300 | $1,388 |
| 250/500 | $1,641 |
| 100 CSL | $1,329 |
| 300 CSL | $1,544 |
| 500 CSL | $1,700 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,592 |
| 20 | $5,060 |
| 30 | $3,026 |
| 40 | $2,980 |
| 50 | $2,846 |
| 60 | $2,820 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $72 |
| Multi-vehicle | $74 |
| Homeowner | $22 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $57 |
| Advance Quote | $65 |
| Online Quote | $96 |
| Total Discounts | $568 |
Discounts are estimated and may not be available from every company or in every state.
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