Hyundai Sonata Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 costs around $270 a year, collision costs $506, and liability is estimated at $450. Liability-only coverage costs approximately $518 a year, with high-risk coverage costing around $3,044. Teen drivers receive the highest rates at $5,364 a year or more.

Average premium for full coverage: $1,406

Rate estimates for individual coverage type:

Comprehensive $270
Collision $506
Liability $450

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Sonata trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as cheap as $518 for minimum levels of liability insurance to a high of $3,044 for coverage for higher-risk drivers.

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

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance rates.

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

These examples highlight why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using 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 Rate Details

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

  • The lowest rate with discounts is $818
  • Choosing higher $1,000 deductibles can save about $1,230 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,406
  • Choosing low $100 deductibles for comp and collision coverage will cost $1,748
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,044 or more
  • The cost with full coverage for a teen driver can be $5,364 each year

View Chart as Image

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

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

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $520 every year, while buying higher liability limits will increase rates. 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 plays a big part in determining prices for Hyundai Sonata insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.

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

With so much variability in rates, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different between companies.

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 Affordable Hyundai Sonata Insurance

Saving money on car insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a brief review of the primary concepts that were illustrated above.

  • You may be able to save up to $170 per year simply by quoting early and online
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,640 more every year for car insurance
  • Increasing deductibles could save up to $525 each year
  • Teenagers are the costliest to insure, as much as $447 per month if comprehensive and collision insurance is included

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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