Hyundai Sonata Insurance Rates
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UPDATED: Mar 31, 2024
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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 $1,412 annually for full coverage insurance. Comprehensive costs on average $280, collision costs $512, and liability is estimated at $440. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing around $3,050. Teen drivers receive the highest rates at $5,348 a year or more.
Average premium for full coverage: $1,412
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Sonata trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $510 for just liability insurance to a much higher rate of $3,050 for a high-risk driver policy.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas.
The price range example below illustrates the difference location can make on car insurance rates.
These examples illustrate why anyone shopping for car insurance should get quotes based on a specific location 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.
More Rate Details
The chart below illustrates estimated Hyundai Sonata insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $821
- Choosing higher $1,000 deductibles can save around $180 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,412
- Choosing more expensive low deductibles for comp and collision coverage will cost $1,760
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,050 or more
- The cost with full coverage for a teen driver with full coverage may cost $5,348 each year
Insurance rates for a Hyundai Sonata can also vary considerably based on the trim level of your Sonata, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents 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 should be prepared to pay upwards of $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance ranges as much as 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $530 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $396 more each year. 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 $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,910 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$136 | -9.6% |
| Alaska | $1,084 | -$328 | -23.2% |
| Arizona | $1,172 | -$240 | -17.0% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,346 | -$66 | -4.7% |
| Connecticut | $1,450 | $38 | 2.7% |
| Delaware | $1,598 | $186 | 13.2% |
| Florida | $1,764 | $352 | 24.9% |
| Georgia | $1,304 | -$108 | -7.6% |
| Hawaii | $1,012 | -$400 | -28.3% |
| Idaho | $956 | -$456 | -32.3% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,066 | -$346 | -24.5% |
| Iowa | $954 | -$458 | -32.4% |
| Kansas | $1,340 | -$72 | -5.1% |
| Kentucky | $1,924 | $512 | 36.3% |
| Louisiana | $2,090 | $678 | 48.0% |
| Maine | $874 | -$538 | -38.1% |
| Maryland | $1,166 | -$246 | -17.4% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,452 | $1,040 | 73.7% |
| Minnesota | $1,180 | -$232 | -16.4% |
| Mississippi | $1,692 | $280 | 19.8% |
| Missouri | $1,254 | -$158 | -11.2% |
| Montana | $1,518 | $106 | 7.5% |
| Nebraska | $1,114 | -$298 | -21.1% |
| Nevada | $1,692 | $280 | 19.8% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,580 | $168 | 11.9% |
| New Mexico | $1,248 | -$164 | -11.6% |
| New York | $1,488 | $76 | 5.4% |
| North Carolina | $814 | -$598 | -42.4% |
| North Dakota | $1,156 | -$256 | -18.1% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,448 | $36 | 2.5% |
| Oregon | $1,294 | -$118 | -8.4% |
| Pennsylvania | $1,346 | -$66 | -4.7% |
| Rhode Island | $1,884 | $472 | 33.4% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,192 | -$220 | -15.6% |
| Tennessee | $1,236 | -$176 | -12.5% |
| Texas | $1,700 | $288 | 20.4% |
| Utah | $1,044 | -$368 | -26.1% |
| Vermont | $968 | -$444 | -31.4% |
| Virginia | $844 | -$568 | -40.2% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,294 | -$118 | -8.4% |
| Wisconsin | $976 | -$436 | -30.9% |
| Wyoming | $1,258 | -$154 | -10.9% |
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata SE 4-Dr Sedan | $1,456 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,456 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,496 | $125 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,496 | $125 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| 2023 Hyundai Sonata | $280 | $512 | $440 | $1,412 |
| 2022 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2021 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2020 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2019 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2018 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2017 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2016 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2015 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2014 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2013 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2012 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2011 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2010 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2009 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2008 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2007 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2006 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2005 Hyundai Sonata | $126 | $160 | $504 | $970 |
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 Cheap Hyundai Sonata Insurance
Saving money on car insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a brief summary of the information touched on in this article.
- It is possible to save as much as $170 per year simply by shopping early and online
- Teenagers pay higher rates, costing up to $446 per month if they have full coverage
- Increasing deductibles could save up to $525 each year
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,640 more each year for car insurance
- Policyholders who require higher liability limits will pay about $480 annually to raise limits 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,348 |
| 20 | $3,262 |
| 30 | $1,466 |
| 40 | $1,412 |
| 50 | $1,290 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,760 |
| $250 | $1,600 |
| $500 | $1,412 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,584 |
| 100/300 | $1,694 |
| 250/500 | $1,980 |
| 100 CSL | $1,628 |
| 300 CSL | $1,870 |
| 500 CSL | $2,046 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,610 |
| 20 | $5,186 |
| 30 | $3,110 |
| 40 | $3,050 |
| 50 | $2,912 |
| 60 | $2,886 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $591 |
Discounts are estimated and may not be available from every company or in every state.
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