Hyundai Sonata Insurance Rates
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UPDATED: Jun 5, 2023
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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.
U.S. average insurance rates for a Hyundai Sonata are $1,412 a year including full coverage. Comprehensive costs approximately $280 each year, collision insurance costs $512, and liability is $440. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $3,050. Teenage drivers pay the highest rates at up to $5,348 a year.
Average premium for full coverage: $1,412
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Sonata models.
Price Range from Low to High
For the average 40-year-old driver, Hyundai Sonata insurance prices range from as low as $510 for minimum levels of liability insurance to a high rate of $3,050 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above highlight why all drivers should compare rates quotes using their specific location 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.
Additional Rate Details
The chart below breaks down average Hyundai Sonata insurance rates for additional coverage and risk scenarios.
- The best discount rate is $821
- Raising to $1,000 deductibles will save $180 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,412
- Using low deductibles will increase the cost to $1,760
- At-risk drivers who are prone to accidents and violations could pay around $3,050
- The price for full coverage for a teen driver can cost $5,348
Car insurance prices for a Hyundai Sonata are also quite variable based on your driving record, the model of your Sonata, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age
The state you live in also has a big influence on Hyundai Sonata insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$136 | -9.6% |
| Alaska | $1,084 | -$328 | -23.2% |
| Arizona | $1,172 | -$240 | -17.0% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,346 | -$66 | -4.7% |
| Connecticut | $1,450 | $38 | 2.7% |
| Delaware | $1,598 | $186 | 13.2% |
| Florida | $1,764 | $352 | 24.9% |
| Georgia | $1,304 | -$108 | -7.6% |
| Hawaii | $1,012 | -$400 | -28.3% |
| Idaho | $956 | -$456 | -32.3% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,066 | -$346 | -24.5% |
| Iowa | $954 | -$458 | -32.4% |
| Kansas | $1,340 | -$72 | -5.1% |
| Kentucky | $1,924 | $512 | 36.3% |
| Louisiana | $2,090 | $678 | 48.0% |
| Maine | $874 | -$538 | -38.1% |
| Maryland | $1,166 | -$246 | -17.4% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,452 | $1,040 | 73.7% |
| Minnesota | $1,180 | -$232 | -16.4% |
| Mississippi | $1,692 | $280 | 19.8% |
| Missouri | $1,254 | -$158 | -11.2% |
| Montana | $1,518 | $106 | 7.5% |
| Nebraska | $1,114 | -$298 | -21.1% |
| Nevada | $1,692 | $280 | 19.8% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,580 | $168 | 11.9% |
| New Mexico | $1,248 | -$164 | -11.6% |
| New York | $1,488 | $76 | 5.4% |
| North Carolina | $814 | -$598 | -42.4% |
| North Dakota | $1,156 | -$256 | -18.1% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,448 | $36 | 2.5% |
| Oregon | $1,294 | -$118 | -8.4% |
| Pennsylvania | $1,346 | -$66 | -4.7% |
| Rhode Island | $1,884 | $472 | 33.4% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,192 | -$220 | -15.6% |
| Tennessee | $1,236 | -$176 | -12.5% |
| Texas | $1,700 | $288 | 20.4% |
| Utah | $1,044 | -$368 | -26.1% |
| Vermont | $968 | -$444 | -31.4% |
| Virginia | $844 | -$568 | -40.2% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,294 | -$118 | -8.4% |
| Wisconsin | $976 | -$436 | -30.9% |
| Wyoming | $1,258 | -$154 | -10.9% |
Using high physical damage deductibles can reduce prices by up to $530 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $396 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata SE 4-Dr Sedan | $1,456 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,456 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,496 | $125 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,496 | $125 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| 2023 Hyundai Sonata | $280 | $512 | $440 | $1,412 |
| 2022 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2021 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2020 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2019 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2018 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2017 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2016 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2015 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2014 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2013 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2012 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2011 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2010 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2009 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2008 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2007 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2006 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2005 Hyundai Sonata | $126 | $160 | $504 | $970 |
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 More Affordable Hyundai Sonata Insurance
Getting lower rates on car insurance consists of having a good driving record, having above-average credit, being claim-free, and attention to physical damage deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The next list is a summary of the information touched on in this article.
- You may be able to save around $170 per year just by quoting online in advance
- Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $446 a month if full coverage is included
- Increasing physical damage deductibles can save around $525 each year
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,640 more per year to buy Hyundai Sonata insurance
- Policyholders who purchase increased levels of liability coverage will pay an extra $480 per year to raise from a low limit 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,348 |
| 20 | $3,262 |
| 30 | $1,466 |
| 40 | $1,412 |
| 50 | $1,290 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,760 |
| $250 | $1,600 |
| $500 | $1,412 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,584 |
| 100/300 | $1,694 |
| 250/500 | $1,980 |
| 100 CSL | $1,628 |
| 300 CSL | $1,870 |
| 500 CSL | $2,046 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,610 |
| 20 | $5,186 |
| 30 | $3,110 |
| 40 | $3,050 |
| 50 | $2,912 |
| 60 | $2,886 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $591 |
Discounts are estimated and may not be available from every company or in every state.
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