Hyundai Sonata Insurance Rates

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UPDATED: Mar 31, 2024

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Hyundai Sonata insurance
How much does a Hyundai Sonata cost to insure? The average annual cost for Hyundai Sonata insurance is $1,426 a year, or $118 a month. Read our guide to learn what drivers can do to save on Hyundai Sonatas, whether its 2016 or 2015 Hyundai Sonata insurance rates.

Enter your ZIP code in our free tool above to get started on finding the best Hyundai Sonata insurance costs.

Average auto insurance rates for a Hyundai Sonata are $1,406 annually including full coverage. Comprehensive insurance costs approximately $270, collision insurance costs $506, and liability insurance costs around $450. Liability-only coverage costs as low as $518 a year, and high-risk coverage costs $3,044 or more. 16-year-old drivers receive the highest rates at up to $5,364 a year.

Average premium for full coverage: $1,406

Rate estimates by individual coverage type:

Comprehensive $270
Collision $506
Liability $450

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Sonata trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as cheap as $518 for liability-only coverage to a much higher rate of $3,044 for a high-risk insurance policy.

Liability Only $518
Full Coverage $1,406
High Risk $3,044

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,055
Small Cities $1,476
Large Cities $1,898

These examples highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on rate 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 breaks down average Hyundai Sonata insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $818
  • Using higher $1,000 deductibles will save $176 every year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,406
  • Buying more expensive low deductibles for physical damage coverage costs an additional $342 a year
  • Drivers with multiple tickets or accidents could pay around $3,044
  • The cost with full coverage for a teen driver with full coverage can cost $5,364 or more

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing Hyundai Sonata insurance prices range from $818 to $5,364 for full coverage

Car insurance rates for a Hyundai Sonata can also vary considerably based on the trim level of your Sonata, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $520 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $405 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Hyundai Sonata insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,010 on average in Louisiana, New York, and Michigan.

Hyundai Sonata Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,272 -$134 -9.5%
Alaska $1,078 -$328 -23.3%
Arizona $1,168 -$238 -16.9%
Arkansas $1,406 -$0 0.0%
California $1,602 $196 13.9%
Colorado $1,340 -$66 -4.7%
Connecticut $1,442 $36 2.6%
Delaware $1,592 $186 13.2%
Florida $1,758 $352 25.0%
Georgia $1,298 -$108 -7.7%
Hawaii $1,010 -$396 -28.2%
Idaho $954 -$452 -32.1%
Illinois $1,046 -$360 -25.6%
Indiana $1,060 -$346 -24.6%
Iowa $948 -$458 -32.6%
Kansas $1,336 -$70 -5.0%
Kentucky $1,918 $512 36.4%
Louisiana $2,080 $674 47.9%
Maine $868 -$538 -38.3%
Maryland $1,160 -$246 -17.5%
Massachusetts $1,124 -$282 -20.1%
Michigan $2,440 $1,034 73.5%
Minnesota $1,178 -$228 -16.2%
Mississippi $1,686 $280 19.9%
Missouri $1,246 -$160 -11.4%
Montana $1,510 $104 7.4%
Nebraska $1,108 -$298 -21.2%
Nevada $1,686 $280 19.9%
New Hampshire $1,014 -$392 -27.9%
New Jersey $1,572 $166 11.8%
New Mexico $1,244 -$162 -11.5%
New York $1,482 $76 5.4%
North Carolina $810 -$596 -42.4%
North Dakota $1,150 -$256 -18.2%
Ohio $970 -$436 -31.0%
Oklahoma $1,442 $36 2.6%
Oregon $1,286 -$120 -8.5%
Pennsylvania $1,340 -$66 -4.7%
Rhode Island $1,874 $468 33.3%
South Carolina $1,276 -$130 -9.2%
South Dakota $1,188 -$218 -15.5%
Tennessee $1,230 -$176 -12.5%
Texas $1,692 $286 20.3%
Utah $1,042 -$364 -25.9%
Vermont $962 -$444 -31.6%
Virginia $842 -$564 -40.1%
Washington $1,086 -$320 -22.8%
West Virginia $1,288 -$118 -8.4%
Wisconsin $972 -$434 -30.9%
Wyoming $1,254 -$152 -10.8%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Hyundai Sonata Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Sonata GLS 4-Dr Sedan $1,364 $114
Hyundai Sonata GLS 4-Dr Sedan $1,364 $114
Hyundai Sonata GLS 4-Dr Sedan $1,364 $114
Hyundai Sonata SE 4-Dr Sedan $1,448 $121
Hyundai Sonata SE 4-Dr Sedan $1,448 $121
Hyundai Sonata Limited 4-Dr Sedan $1,490 $124
Hyundai Sonata Limited 4-Dr Sedan $1,490 $124

Rates assume 2023 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.

Hyundai Sonata Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Sonata $280 $512 $440 $1,412
2023 Hyundai Sonata $270 $506 $450 $1,406
2022 Hyundai Sonata $260 $494 $470 $1,404
2021 Hyundai Sonata $250 $474 $486 $1,390
2020 Hyundai Sonata $238 $458 $500 $1,376
2019 Hyundai Sonata $228 $424 $510 $1,342
2018 Hyundai Sonata $218 $400 $514 $1,312
2017 Hyundai Sonata $210 $358 $520 $1,268
2016 Hyundai Sonata $196 $330 $520 $1,226
2015 Hyundai Sonata $190 $310 $524 $1,204
2014 Hyundai Sonata $184 $288 $534 $1,186
2013 Hyundai Sonata $172 $268 $534 $1,154
2012 Hyundai Sonata $166 $244 $540 $1,130
2011 Hyundai Sonata $156 $222 $534 $1,092
2010 Hyundai Sonata $146 $202 $534 $1,062
2009 Hyundai Sonata $142 $182 $530 $1,034
2008 Hyundai Sonata $140 $178 $520 $1,018
2007 Hyundai Sonata $136 $168 $510 $994
2006 Hyundai Sonata $126 $160 $504 $970
2005 Hyundai Sonata $120 $152 $500 $952

Rates are averaged for all Hyundai Sonata 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 the Right Hyundai Sonata Insurance

Saving money on Hyundai Sonata insurance requires having a decent driving record, having a good credit score, not filing small claims, and attention to physical damage deductibles. Make time to compare rates at least every other year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following items are a quick rundown of the car insurance concepts touched on in this article.

  • High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,640 more per year than a driver with a clean driving record
  • You may be able to save around $170 per year just by shopping early and online
  • Increasing deductibles could save up to $525 each year
  • Drivers who purchase additional liability coverage will pay around $500 per year to increase from a minimum limit to higher 250/500 limits

Quotes will help you save on Hyundai Sonatas, regardless of whether you’re searching for 2012, 2009, or 2006 Hyundai Sonata trim levels or the cheapest Hyundai 2016 rates.

To find out what is the insurance cost of a Hyundai Sonata, enter your ZIP code in our free tool below.

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What are the safety ratings of the Hyundai Sonata?

The Hyundai Sonata has some great safety features that can help reduce rates, such as brake assist, electronic stability control, traction control, lane departure warning, and lane-keeping assist. However, Hyundai Sonatas that are old may not have as many safety features.

The Insurance Institute for Highway Safety (IIHS) gave the Hyundai Sonata a 2020 Top Safety Pick award for its crash test ratings (below).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating. The video below shows how the IIHS tested the Hyundai Sonata.

Hyundai Sonata Compared Against Other Vehicles in the Same Class

How much for a Hyundai Sonata liability insurance plan? This will partly depend on the liability insurance losses. The Hyundai Sonata is a midsize car, and the IIHS found that in comparison to other midsize cars, the Hyundai Sonata’s liability losses are substantially worse than average.

To understand just how much Hyundai Sonata’s insurance rates differ from other midsize car’s rates, take a look at the midsize cars below.

Frequently Asked Questions

  • Are Hyundai Sonata expensive to repair? According to RepairPal, “The average total annual cost for repairs and maintenance on a Hyundai Sonata is $458, compared to an average of $526 for midsize cars and $652 for all vehicle models.”
  • How much is a fully loaded Hyundai Sonata? It would cost you $33,300.

Remember to shop around for Hyundai Sonata insurance rates to save on everything from Hyundai Sonata costs for a 2015 model to Hyundai gap claims. Enter your ZIP code in our free tool to get started.

References

  1. https://www.iihs.org/ratings/vehicle/hyundai/sonata-4-door-sedan/2020

Rates by Driver Age

Hyundai Sonata Insurance Rates by Driver Age
Driver Age Premium
16 $5,364
20 $3,260
30 $1,460
40 $1,406
50 $1,286
60 $1,262

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,590
$500 $1,406
$1,000 $1,230

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,406
50/100 $1,580
100/300 $1,693
250/500 $1,985
100 CSL $1,625
300 CSL $1,873
500 CSL $2,053

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Insurance Rates for High Risk Drivers
Age Premium
16 $7,628
20 $5,184
30 $3,104
40 $3,044
50 $2,908
60 $2,882

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.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $90
Paid in Full/EFT $62
Advance Quote $68
Online Quote $98
Total Discounts $588
Rate after discounts $818

Discounts are estimated and may not be available from every company or in every state.

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