Hyundai Sonata Hybrid Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Apr 15, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average insurance rates for a Hyundai Sonata Hybrid are $1,256 a year for full coverage insurance. Comprehensive insurance costs around $202 each year, collision insurance costs $340, and liability is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,720 or more. Teens pay the highest rates at up to $5,004 a year.

Average premium for full coverage: $1,256

Price estimates for individual coverage:

Comprehensive $202
Collision $340
Liability $534

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Sonata Hybrid models.

Price Range from Low to High

For an average driver, Hyundai Sonata Hybrid insurance prices range from the low end price of $588 for the bare minimum liability coverage to a high rate of $2,720 for a policy for a high-risk driver.

Liability Only $588
Full Coverage $1,256
High Risk $2,720

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

The ranges above illustrate why all drivers should compare rates quotes for a specific zip code, 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.

Additional Rate Information

The chart below illustrates average Hyundai Sonata Hybrid insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $746
  • Raising to $1,000 deductibles will save about $124 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,256
  • Selecting low deductibles will cost an additional $236 annually
  • Drivers with serious driving violations could pay at least $2,720
  • The price that insures a 16-year-old driver can be $5,004

View Chart as Image

Hyundai Sonata Hybrid insurance cost comparison chart
Column chart showing Hyundai Sonata Hybrid insurance prices range from $746 to $5,004 for full coverage

Auto insurance prices for a Hyundai Sonata Hybrid are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

The state you live in also has a big influence on Hyundai Sonata Hybrid insurance prices. A middle-age driver might find prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,690 on average in Michigan, New York, and Florida.

Hyundai Sonata Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,134 -$122 -9.7%
Alaska $962 -$294 -23.4%
Arizona $1,044 -$212 -16.9%
Arkansas $1,256 -$0 0.0%
California $1,430 $174 13.9%
Colorado $1,196 -$60 -4.8%
Connecticut $1,290 $34 2.7%
Delaware $1,420 $164 13.1%
Florida $1,570 $314 25.0%
Georgia $1,160 -$96 -7.6%
Hawaii $900 -$356 -28.3%
Idaho $850 -$406 -32.3%
Illinois $932 -$324 -25.8%
Indiana $948 -$308 -24.5%
Iowa $848 -$408 -32.5%
Kansas $1,192 -$64 -5.1%
Kentucky $1,712 $456 36.3%
Louisiana $1,858 $602 47.9%
Maine $776 -$480 -38.2%
Maryland $1,036 -$220 -17.5%
Massachusetts $1,004 -$252 -20.1%
Michigan $2,178 $922 73.4%
Minnesota $1,052 -$204 -16.2%
Mississippi $1,504 $248 19.7%
Missouri $1,114 -$142 -11.3%
Montana $1,348 $92 7.3%
Nebraska $992 -$264 -21.0%
Nevada $1,506 $250 19.9%
New Hampshire $906 -$350 -27.9%
New Jersey $1,406 $150 11.9%
New Mexico $1,110 -$146 -11.6%
New York $1,322 $66 5.3%
North Carolina $724 -$532 -42.4%
North Dakota $1,030 -$226 -18.0%
Ohio $866 -$390 -31.1%
Oklahoma $1,288 $32 2.5%
Oregon $1,150 -$106 -8.4%
Pennsylvania $1,196 -$60 -4.8%
Rhode Island $1,674 $418 33.3%
South Carolina $1,138 -$118 -9.4%
South Dakota $1,060 -$196 -15.6%
Tennessee $1,096 -$160 -12.7%
Texas $1,512 $256 20.4%
Utah $930 -$326 -26.0%
Vermont $860 -$396 -31.5%
Virginia $752 -$504 -40.1%
Washington $968 -$288 -22.9%
West Virginia $1,152 -$104 -8.3%
Wisconsin $868 -$388 -30.9%
Wyoming $1,118 -$138 -11.0%

View Chart as Image

Hyundai Sonata Hybrid insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $360 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

Hyundai Sonata Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Sonata Hybrid $306 $600 $440 $1,526
2023 Hyundai Sonata Hybrid $294 $596 $450 $1,520
2022 Hyundai Sonata Hybrid $284 $582 $470 $1,516
2021 Hyundai Sonata Hybrid $274 $558 $486 $1,498
2020 Hyundai Sonata Hybrid $260 $538 $500 $1,478
2019 Hyundai Sonata Hybrid $250 $500 $510 $1,440
2018 Hyundai Sonata Hybrid $240 $470 $514 $1,404
2015 Hyundai Sonata Hybrid $206 $364 $524 $1,274
2014 Hyundai Sonata Hybrid $202 $340 $534 $1,256
2013 Hyundai Sonata Hybrid $186 $316 $534 $1,216

Rates are averaged for all Hyundai Sonata Hybrid 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 Cheaper Hyundai Sonata Hybrid Insurance

Getting lower rates on insurance for a Hyundai Sonata Hybrid consists of having a good driving record, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare rates every year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a condensed summary of the coverage data covered in the above illustrations.

  • It is possible to save up to $140 per year just by quoting online in advance
  • Increasing physical damage deductibles can save approximately $350 each year
  • Drivers age 20 and younger are expensive to insure, as much as $417 a month if the policy includes full coverage
  • Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,460 more every year to buy Hyundai Sonata Hybrid insurance

Rates by Driver Age

Hyundai Sonata Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,004
20 $2,900
30 $1,284
40 $1,256
50 $1,154
60 $1,130

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,382
$500 $1,256
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,256
50/100 $1,363
100/300 $1,496
250/500 $1,843
100 CSL $1,416
300 CSL $1,710
500 CSL $1,924

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,080
20 $4,626
30 $2,752
40 $2,720
50 $2,602
60 $2,576

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $82
5-yr Claim Free $80
Paid in Full/EFT $49
Advance Quote $58
Online Quote $86
Total Discounts $510
Rate after discounts $746

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles