Hyundai Sonata Hybrid Insurance Rates

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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

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Estimated insurance rates for a Hyundai Sonata Hybrid are $1,256 a year with full coverage. Comprehensive costs on average $202, collision insurance costs $340, and liability costs $534. A policy with only liability insurance costs as little as $588 a year, and a high-risk policy costs around $2,720. Teenage drivers pay the most at up to $5,004 a year.

Average premium for full coverage: $1,256

Premium estimates by type of coverage:

Comprehensive $202
Collision $340
Liability $534

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different Sonata Hybrid trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Hyundai Sonata Hybrid range from the low end price of $588 for just the minimum liability insurance to a much higher rate of $2,720 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how your location can change car insurance rates.

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location, 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.

Additional Rate Analysis

The chart below details average Hyundai Sonata Hybrid insurance rates for different risk profiles and scenarios.

  • The best discount rate is $746
  • Drivers who choose higher $1,000 deductibles will pay around $124 annually
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,256
  • Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,492
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,720
  • An auto insurance policy that insures a teen driver with full coverage may cost $5,004 a year

View Chart as Image

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

Car insurance prices for a Hyundai Sonata Hybrid also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may 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, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

Where you choose to live makes a big difference in Hyundai Sonata Hybrid insurance prices. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,690 on average in Florida, Michigan, and New York.

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

Using high physical damage deductibles could save up to $360 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 extra every 12 months. 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 the Best Cheap Hyundai Sonata Hybrid Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having a positive credit history, being claim-free, and possibly raising deductibles. Compare prices once a year by obtaining price quotes from direct companies, and also from several local insurance agents.

Below you'll find a quick review of the data that was illustrated above.

  • You may be able to save as much as $140 per year just by shopping early and online
  • Policyholders who require more liability protection will pay an extra $590 every year to go from 30/60 bodily injury limits to the 250/500 level
  • Youthful drivers are expensive to insure, possibly costing $417 per month if full coverage is purchased
  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,460 more each year than a low-risk driver

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.

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