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.
The average insurance prices for a Hyundai Sonata are $1,412 every 12 months with full coverage. Comprehensive costs on average $280 a year, collision costs $512, and liability is estimated at $440. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $3,050. Teens cost the most to insure at $5,348 a year or more.
Average premium for full coverage: $1,412
Policy rates by type of insurance:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Sonata trim levels.
Price Range Variability
For the average driver, Hyundai Sonata insurance rates go from the cheapest price of $510 for a discount liability-only rate to a high of $3,050 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts car insurance rates.
The examples above demonstrate why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.
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.
Rates by State, City, and Model
The chart below details estimated Hyundai Sonata insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $821
- Choosing higher $1,000 deductibles can save around $1,232 annually
- The average price for a good driver age 40 with $500 deductibles is $1,412
- Selecting low $100 deductibles for comp and collision coverage increases the price to $1,760
- Higher-risk drivers with serious driving violations could pay upwards of $3,050 or more
- Policy cost to insure a 16-year-old driver may cost $5,348 each year
Car insurance rates for a Hyundai Sonata also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Sonata.
Choosing higher comprehensive and collision insurance deductibles can save as much as $530 annually, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $396 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Hyundai Sonata insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,910 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates rates differently, so rate quotes will be varied.
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 Shop for the Best Hyundai Sonata Insurance
Finding cheaper rates on insurance for a Hyundai Sonata takes not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Spend time shopping around at every other renewal by requesting rates from direct companies, and also from local exclusive and independent agents.
The following is a brief recap of the concepts that were touched on above.
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,640 more each year for Sonata insurance
- Teens are expensive to insure, as much as $446 each month if the policy includes full coverage
- You may be able to save as much as $170 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $525 each year
- You may be able to save as much as $170 per year simply by quoting early and online
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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