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.

Estimated insurance rates for a Hyundai Sonata are $1,404 a year for full coverage. Comprehensive costs on average $260 each year, collision costs $494, and liability coverage is estimated at $470. Liability-only coverage costs approximately $536 a year, with high-risk coverage costing around $3,046. Teen drivers pay the most at $5,394 a year or more.

Average premium for full coverage: $1,404

Premium estimates by type of coverage:

Comprehensive $260
Collision $494
Liability $470

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Sonata models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Hyundai Sonata go from as low as $536 for just liability insurance to a high rate of $3,046 for a high-risk insurance policy.

Liability Only $536
Full Coverage $1,404
High Risk $3,046

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates how where you live affects car insurance rates.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

These rate differences show why all drivers should get quotes based on a specific location and risk profile, rather than 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 shows estimated Hyundai Sonata insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $817
  • Choosing higher $1,000 deductibles can save around $170 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,404
  • Choosing low deductibles for comp and collision coverage will increase the cost to $1,738
  • Drivers with multiple violations and an at-fault accident could pay upwards of $3,046 or more
  • An auto insurance policy for full coverage for a teenage driver may cost $5,394 each year

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing full coverage Hyundai Sonata insurance rates range from $817 to $5,394

Insurance prices for a Hyundai Sonata also have a wide range based on your driving characteristics, the trim level of your Sonata, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Hyundai Sonata insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,000 on average in Michigan, Louisiana, and New York.

Hyundai Sonata Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,266 -$138 -9.8%
Alaska $1,078 -$326 -23.2%
Arizona $1,166 -$238 -17.0%
Arkansas $1,404 -$0 0.0%
California $1,600 $196 14.0%
Colorado $1,340 -$64 -4.6%
Connecticut $1,444 $40 2.8%
Delaware $1,590 $186 13.2%
Florida $1,756 $352 25.1%
Georgia $1,296 -$108 -7.7%
Hawaii $1,008 -$396 -28.2%
Idaho $952 -$452 -32.2%
Illinois $1,044 -$360 -25.6%
Indiana $1,058 -$346 -24.6%
Iowa $948 -$456 -32.5%
Kansas $1,332 -$72 -5.1%
Kentucky $1,914 $510 36.3%
Louisiana $2,078 $674 48.0%
Maine $868 -$536 -38.2%
Maryland $1,158 -$246 -17.5%
Massachusetts $1,122 -$282 -20.1%
Michigan $2,436 $1,032 73.5%
Minnesota $1,176 -$228 -16.2%
Mississippi $1,684 $280 19.9%
Missouri $1,246 -$158 -11.3%
Montana $1,510 $106 7.5%
Nebraska $1,106 -$298 -21.2%
Nevada $1,686 $282 20.1%
New Hampshire $1,012 -$392 -27.9%
New Jersey $1,570 $166 11.8%
New Mexico $1,242 -$162 -11.5%
New York $1,480 $76 5.4%
North Carolina $808 -$596 -42.5%
North Dakota $1,148 -$256 -18.2%
Ohio $970 -$434 -30.9%
Oklahoma $1,440 $36 2.6%
Oregon $1,286 -$118 -8.4%
Pennsylvania $1,338 -$66 -4.7%
Rhode Island $1,874 $470 33.5%
South Carolina $1,274 -$130 -9.3%
South Dakota $1,186 -$218 -15.5%
Tennessee $1,228 -$176 -12.5%
Texas $1,692 $288 20.5%
Utah $1,038 -$366 -26.1%
Vermont $962 -$442 -31.5%
Virginia $840 -$564 -40.2%
Washington $1,082 -$322 -22.9%
West Virginia $1,288 -$116 -8.3%
Wisconsin $972 -$432 -30.8%
Wyoming $1,250 -$154 -11.0%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

Choosing high deductibles can save as much as $510 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $423 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 135% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, so the prices will be substantially different from one company to the next.

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 $1,446 $121
Hyundai Sonata SE 4-Dr Sedan $1,446 $121
Hyundai Sonata Limited 4-Dr Sedan $1,486 $124
Hyundai Sonata Limited 4-Dr Sedan $1,486 $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 $270 $506 $450 $1,406
2023 Hyundai Sonata $260 $494 $470 $1,404
2022 Hyundai Sonata $250 $474 $486 $1,390
2021 Hyundai Sonata $238 $458 $500 $1,376
2020 Hyundai Sonata $228 $424 $510 $1,342
2019 Hyundai Sonata $218 $400 $514 $1,312
2018 Hyundai Sonata $210 $358 $520 $1,268
2017 Hyundai Sonata $196 $330 $520 $1,226
2016 Hyundai Sonata $190 $310 $524 $1,204
2015 Hyundai Sonata $184 $288 $534 $1,186
2014 Hyundai Sonata $172 $268 $534 $1,154
2013 Hyundai Sonata $166 $244 $540 $1,130
2012 Hyundai Sonata $156 $222 $534 $1,092
2011 Hyundai Sonata $146 $202 $534 $1,062
2010 Hyundai Sonata $142 $182 $530 $1,034
2009 Hyundai Sonata $140 $178 $520 $1,018
2008 Hyundai Sonata $136 $168 $510 $994
2007 Hyundai Sonata $126 $160 $504 $970
2006 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 Find Low Cost Hyundai Sonata Insurance

Finding better rates on auto insurance takes being a low-risk driver, maintaining good credit, not filing small claims, and bundling your home and auto policies. Take the time to comparison shop at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The items below are a review of the car insurance concepts touched on in the above illustrations.

  • Drivers who have several accidents or serious violations will pay on average $1,640 more each year to insure their Sonata
  • Drivers can save as much as $170 per year simply by quoting online in advance
  • Increasing policy deductibles can save around $500 each year
  • Consumers who require more liability coverage will pay about $520 each year to raise limits from 30/60 bodily injury limits 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.

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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 $5,394
20 $3,258
30 $1,454
40 $1,404
50 $1,284
60 $1,262

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,738
$250 $1,584
$500 $1,404
$1,000 $1,234

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,404
50/100 $1,580
100/300 $1,698
250/500 $2,003
100 CSL $1,627
300 CSL $1,886
500 CSL $2,074

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Insurance Rates for High Risk Drivers
Age Premium
16 $7,672
20 $5,188
30 $3,102
40 $3,046
50 $2,910
60 $2,884

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 $196

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $100
5-yr Claim Free $90
Paid in Full/EFT $61
Advance Quote $68
Online Quote $98
Total Discounts $587
Rate after discounts $817

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

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