Hyundai Sonata Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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Estimated auto insurance rates for a Hyundai Sonata Hybrid are $1,274 annually for full coverage. Comprehensive insurance costs approximately $206 each year, collision insurance costs $364, and liability insurance costs $524. Liability-only insurance costs as little as $580 a year, and high-risk driver insurance costs $2,766 or more. Teens pay the most at up to $5,058 a year.
Average premium for full coverage: $1,274
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and Sonata Hybrid models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Hyundai Sonata Hybrid range from as cheap as $580 for just liability insurance to a high rate of $2,766 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance prices.
These rate differences show why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying 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.
More Rate Details
The chart below shows average Hyundai Sonata Hybrid insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $754
- Drivers who choose higher $1,000 deductibles will pay $128 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,274
- Selecting low deductibles for comprehensive and collision insurance costs an additional $252 a year
- High risk drivers with serious driving violations could pay around $2,766
- An auto insurance policy with full coverage for a teen driver can cost $5,058 a year
Insurance prices for a Hyundai Sonata Hybrid also have a wide range based on the model of your Sonata Hybrid, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,500 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $380 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $471 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Hyundai Sonata Hybrid insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,820 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Buy Cheap Hyundai Sonata Hybrid Insurance
Finding better rates on Hyundai Sonata Hybrid insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and consideration of higher deductibles. Invest the time to shop around once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.
The points below are a brief summary of the data that was illustrated above.
- Drivers can save around $150 per year just by quoting online in advance
- Drivers who purchase increased liability limits will pay approximately $580 each year to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers under the age of 20 are the costliest to insure, as much as $422 per month if they have full coverage
- High-risk drivers that tend to have accidents or serious violations pay on average $1,490 more per year to insure a Hyundai Sonata Hybrid
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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