Hyundai Ioniq Hybrid Insurance Rates
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UPDATED: May 20, 2024
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U.S. average insurance rates for a Hyundai Ioniq Hybrid are $1,374 a year for full coverage insurance. Comprehensive insurance costs around $282, collision costs $536, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage for high-risk drivers costing $2,982 or more. Teenage drivers pay the highest rates at $5,156 a year or more.
Average premium for full coverage: $1,374
Price estimates for individual coverage:
Includes $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all Ioniq Hybrid models.
Price Range from Low to High
For the average 40-year-old driver, Hyundai Ioniq Hybrid insurance prices go from the low end price of $460 for just the minimum liability insurance to the much higher price of $2,982 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why everyone should get quotes for a specific zip code, instead of using 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.
Additional Rate Analysis
The chart below illustrates estimated Hyundai Ioniq Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $790
- Choosing higher $1,000 deductibles can save about $186 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,374
- Using pricier low deductibles for comp and collision coverage will cost an additional $362 every year
- Unlucky drivers who are prone to accidents and violations could pay at least $2,982 or more
- The price that insures a teen driver for full coverage can be $5,156 each year
Insurance prices for a Hyundai Ioniq Hybrid are also quite variable based on the model of your Ioniq Hybrid, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. Hyundai Ioniq Hybrid insurance for high-risk drivers ranges as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Hyundai Ioniq Hybrid insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,242 | -$132 | -9.6% |
Alaska | $1,056 | -$318 | -23.1% |
Arizona | $1,142 | -$232 | -16.9% |
Arkansas | $1,374 | -$0 | 0.0% |
California | $1,568 | $194 | 14.1% |
Colorado | $1,312 | -$62 | -4.5% |
Connecticut | $1,416 | $42 | 3.1% |
Delaware | $1,556 | $182 | 13.2% |
Florida | $1,720 | $346 | 25.2% |
Georgia | $1,270 | -$104 | -7.6% |
Hawaii | $988 | -$386 | -28.1% |
Idaho | $930 | -$444 | -32.3% |
Illinois | $1,026 | -$348 | -25.3% |
Indiana | $1,034 | -$340 | -24.7% |
Iowa | $928 | -$446 | -32.5% |
Kansas | $1,308 | -$66 | -4.8% |
Kentucky | $1,876 | $502 | 36.5% |
Louisiana | $2,034 | $660 | 48.0% |
Maine | $850 | -$524 | -38.1% |
Maryland | $1,132 | -$242 | -17.6% |
Massachusetts | $1,100 | -$274 | -19.9% |
Michigan | $2,390 | $1,016 | 73.9% |
Minnesota | $1,152 | -$222 | -16.2% |
Mississippi | $1,648 | $274 | 19.9% |
Missouri | $1,220 | -$154 | -11.2% |
Montana | $1,476 | $102 | 7.4% |
Nebraska | $1,084 | -$290 | -21.1% |
Nevada | $1,650 | $276 | 20.1% |
New Hampshire | $990 | -$384 | -27.9% |
New Jersey | $1,538 | $164 | 11.9% |
New Mexico | $1,220 | -$154 | -11.2% |
New York | $1,448 | $74 | 5.4% |
North Carolina | $792 | -$582 | -42.4% |
North Dakota | $1,126 | -$248 | -18.0% |
Ohio | $950 | -$424 | -30.9% |
Oklahoma | $1,412 | $38 | 2.8% |
Oregon | $1,260 | -$114 | -8.3% |
Pennsylvania | $1,312 | -$62 | -4.5% |
Rhode Island | $1,836 | $462 | 33.6% |
South Carolina | $1,248 | -$126 | -9.2% |
South Dakota | $1,160 | -$214 | -15.6% |
Tennessee | $1,204 | -$170 | -12.4% |
Texas | $1,658 | $284 | 20.7% |
Utah | $1,018 | -$356 | -25.9% |
Vermont | $940 | -$434 | -31.6% |
Virginia | $822 | -$552 | -40.2% |
Washington | $1,064 | -$310 | -22.6% |
West Virginia | $1,260 | -$114 | -8.3% |
Wisconsin | $952 | -$422 | -30.7% |
Wyoming | $1,224 | -$150 | -10.9% |
Using high physical damage deductibles can save as much as $550 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2022 Hyundai Ioniq Hybrid | $282 | $536 | $398 | $1,374 |
2021 Hyundai Ioniq Hybrid | $272 | $524 | $416 | $1,370 |
Rates are averaged for all Hyundai Ioniq Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Hyundai Ioniq Hybrid Insurance
Getting lower rates on car insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare prices at least once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a recap of the primary concepts that were touched on in this article.
- It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,610 more every year for Ioniq Hybrid insurance
- Increasing physical damage deductibles can save approximately $550 each year
- Teens pay higher prices, as much as $430 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,156 |
20 | $3,190 |
30 | $1,436 |
40 | $1,374 |
50 | $1,258 |
60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,736 |
$250 | $1,568 |
$500 | $1,374 |
$1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,374 |
50/100 | $1,454 |
100/300 | $1,553 |
250/500 | $1,812 |
100 CSL | $1,493 |
300 CSL | $1,712 |
500 CSL | $1,872 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,356 |
20 | $5,072 |
30 | $3,046 |
40 | $2,982 |
50 | $2,846 |
60 | $2,822 |
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 | $73 |
Multi-vehicle | $72 |
Homeowner | $20 |
5-yr Accident Free | $102 |
5-yr Claim Free | $89 |
Paid in Full/EFT | $63 |
Advance Quote | $68 |
Online Quote | $97 |
Total Discounts | $584 |
Discounts are estimated and may not be available from every company or in every state.
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