Hyundai Sonata Insurance Rates

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.

The average insurance rates for a Hyundai Sonata are $1,406 a year with full coverage. Comprehensive insurance costs around $270, collision costs $506, and liability insurance costs $450. Buying just liability costs as little as $518 a year, with insurance for high-risk drivers costing $3,044 or more. Teen drivers cost the most to insure at $5,364 a year or more.

Average premium for full coverage: $1,406

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Sonata trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details estimated Hyundai Sonata insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $818
• Drivers who choose higher $1,000 deductibles will pay about $176 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,406
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $342 a year
• High risk drivers with multiple violations and an at-fault accident could pay at least $3,044 or more
• Policy cost for full coverage for a teen driver with full coverage can be $5,364 a year

View Chart as Image

Insurance rates for a Hyundai Sonata also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Hyundai Sonata insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $520 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $405 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Hyundai Sonata Insurance

Finding cheaper rates on Hyundai Sonata insurance not only requires being a good driver, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a condensed summary of the information raised in the charts and tables above.

• You may be able to save up to $170 per year simply by shopping early and online
• Drivers age 16 to 20 pay higher rates, as much as $447 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $525 each year
• High-risk drivers with multiple at-fault accidents pay an average of $1,640 more every year than a safer driver
• Drivers who may need an increased level of liability coverage will pay about $500 every year to go from a 30/60 limit to 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.

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.

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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