Hyundai Sonata Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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Average insurance rates for a Hyundai Sonata Hybrid are $1,274 a year with full coverage. Comprehensive insurance costs around $206, collision insurance costs $364, and liability costs $524. Buying just liability costs as little as $580 a year, and insurance for high-risk drivers costs $2,766 or more. Teenage drivers receive the highest rates at up to $5,058 a year.
Average premium for full coverage: $1,274
Rate estimates for individual coverage type:
Prices include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for all Sonata Hybrid models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as low as $580 for a discount liability-only rate to the much higher price of $2,766 for a policy for a high-risk driver.
Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.
These examples demonstrate why everyone should compare rates for a specific zip code and risk profile, instead of using average rates.
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 average Hyundai Sonata Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $754
- Drivers who choose higher $1,000 deductibles will pay about $128 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,274
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $252 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,766
- The cost for full coverage for a teen driver for full coverage can be $5,058 a year
Auto insurance rates for a Hyundai Sonata Hybrid can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age
Where you live makes a big difference in Hyundai Sonata Hybrid insurance prices. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,720 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,150 | -$124 | -9.7% |
| Alaska | $976 | -$298 | -23.4% |
| Arizona | $1,060 | -$214 | -16.8% |
| Arkansas | $1,274 | -$0 | 0.0% |
| California | $1,452 | $178 | 14.0% |
| Colorado | $1,218 | -$56 | -4.4% |
| Connecticut | $1,310 | $36 | 2.8% |
| Delaware | $1,444 | $170 | 13.3% |
| Florida | $1,594 | $320 | 25.1% |
| Georgia | $1,178 | -$96 | -7.5% |
| Hawaii | $912 | -$362 | -28.4% |
| Idaho | $864 | -$410 | -32.2% |
| Illinois | $948 | -$326 | -25.6% |
| Indiana | $962 | -$312 | -24.5% |
| Iowa | $860 | -$414 | -32.5% |
| Kansas | $1,210 | -$64 | -5.0% |
| Kentucky | $1,738 | $464 | 36.4% |
| Louisiana | $1,886 | $612 | 48.0% |
| Maine | $788 | -$486 | -38.1% |
| Maryland | $1,050 | -$224 | -17.6% |
| Massachusetts | $1,018 | -$256 | -20.1% |
| Michigan | $2,214 | $940 | 73.8% |
| Minnesota | $1,068 | -$206 | -16.2% |
| Mississippi | $1,528 | $254 | 19.9% |
| Missouri | $1,130 | -$144 | -11.3% |
| Montana | $1,368 | $94 | 7.4% |
| Nebraska | $1,006 | -$268 | -21.0% |
| Nevada | $1,530 | $256 | 20.1% |
| New Hampshire | $920 | -$354 | -27.8% |
| New Jersey | $1,426 | $152 | 11.9% |
| New Mexico | $1,128 | -$146 | -11.5% |
| New York | $1,342 | $68 | 5.3% |
| North Carolina | $736 | -$538 | -42.2% |
| North Dakota | $1,046 | -$228 | -17.9% |
| Ohio | $878 | -$396 | -31.1% |
| Oklahoma | $1,306 | $32 | 2.5% |
| Oregon | $1,168 | -$106 | -8.3% |
| Pennsylvania | $1,214 | -$60 | -4.7% |
| Rhode Island | $1,700 | $426 | 33.4% |
| South Carolina | $1,158 | -$116 | -9.1% |
| South Dakota | $1,074 | -$200 | -15.7% |
| Tennessee | $1,116 | -$158 | -12.4% |
| Texas | $1,536 | $262 | 20.6% |
| Utah | $942 | -$332 | -26.1% |
| Vermont | $872 | -$402 | -31.6% |
| Virginia | $762 | -$512 | -40.2% |
| Washington | $984 | -$290 | -22.8% |
| West Virginia | $1,170 | -$104 | -8.2% |
| Wisconsin | $884 | -$390 | -30.6% |
| Wyoming | $1,136 | -$138 | -10.8% |
Using high physical damage deductibles could save up to $380 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $471 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,500 to $2,200 in extra premium per year, depending on your age. Hyundai Sonata Hybrid insurance for high-risk drivers can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata Hybrid | $322 | $626 | $420 | $1,548 |
| 2023 Hyundai Sonata Hybrid | $306 | $600 | $440 | $1,526 |
| 2022 Hyundai Sonata Hybrid | $294 | $596 | $450 | $1,520 |
| 2021 Hyundai Sonata Hybrid | $284 | $582 | $470 | $1,516 |
| 2020 Hyundai Sonata Hybrid | $274 | $558 | $486 | $1,498 |
| 2019 Hyundai Sonata Hybrid | $260 | $538 | $500 | $1,478 |
| 2018 Hyundai Sonata Hybrid | $250 | $500 | $510 | $1,440 |
| 2015 Hyundai Sonata Hybrid | $214 | $388 | $520 | $1,302 |
| 2014 Hyundai Sonata Hybrid | $206 | $364 | $524 | $1,274 |
| 2013 Hyundai Sonata Hybrid | $202 | $340 | $534 | $1,256 |
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 the Right Hyundai Sonata Hybrid Insurance
Saving money on car insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every year by requesting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following is a quick rundown of the coverage data raised in the charts and tables above.
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $375 each year
- Teens are expensive to insure, with premiums as much as $422 per month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions pay an average of $1,490 more every year for Sonata Hybrid insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,058 |
| 20 | $2,950 |
| 30 | $1,308 |
| 40 | $1,274 |
| 50 | $1,172 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,526 |
| $250 | $1,408 |
| $500 | $1,274 |
| $1,000 | $1,146 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,274 |
| 50/100 | $1,379 |
| 100/300 | $1,510 |
| 250/500 | $1,850 |
| 100 CSL | $1,431 |
| 300 CSL | $1,719 |
| 500 CSL | $1,929 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,164 |
| 20 | $4,708 |
| 30 | $2,798 |
| 40 | $2,766 |
| 50 | $2,644 |
| 60 | $2,620 |
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 | $66 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $88 |
| Total Discounts | $520 |
Discounts are estimated and may not be available from every company or in every state.
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