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.
Average auto insurance rates for a Hyundai Genesis are $1,376 annually with full coverage. Comprehensive insurance costs around $250 a year, collision insurance costs $426, and liability costs around $520. A policy with just liability insurance costs as low as $576 a year, and coverage for high-risk drivers costs $2,980 or more. Teen drivers receive the highest rates at up to $5,348 a year.
Average premium for full coverage: $1,376
Rate estimates for individual coverage type:
Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Genesis trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $576 for liability-only coverage to a high of $2,980 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas. The diagram below illustrates how your location can change auto insurance rates.
These examples demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.
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.
Additional Charts and Tables
The chart below details average Hyundai Genesis insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $808
- Using higher $1,000 deductibles will save about $1,222 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,376
- Choosing low $100 deductibles for physical damage coverage costs an additional $300 annually
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,980
- The cost with full coverage for a 16-year-old driver can be $5,348 or more
Insurance rates for a Hyundai Genesis can also vary considerably based on the trim level of your Genesis, your driving record, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $460 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Hyundai Genesis insurance prices. A driver around age 40 might see rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,860 on average in Florida, Michigan, and New York.
| 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 Buy More Affordable Hyundai Genesis Insurance
Saving money on insurance for a Hyundai Genesis requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by quoting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a summary of the ideas that were illustrated above.
- Teens are charged the highest rates, with premiums as much as $446 per month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,600 more every year for Genesis insurance
- Increasing deductibles could save up to $450 each year
- You may be able to save up to $160 per year just by quoting early and online
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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