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.
Estimated insurance rates for a Hyundai Sonata are $1,406 a year with full coverage. Comprehensive insurance costs an estimated $270 a year, collision costs $506, and liability costs $450. A policy with only liability insurance costs as little as $518 a year, with a high-risk policy costing $3,044 or more. Teenage drivers pay the most at $5,364 a year or more.
Average premium for full coverage: $1,406
Premium estimates broken down by type of coverage:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Sonata trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Hyundai Sonata go from the low end price of $518 for your basic liability-only policy to a high of $3,044 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can have significant affects on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.
The diagram below illustrates how where you live affects insurance prices.
These rate differences demonstrate why it is important to compare rates for a targeted area, 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.
More Rate Information
The chart below details estimated Hyundai Sonata insurance rates for other coverage scenarios.
- The best discount rate is $818
- Drivers who choose higher $1,000 deductibles will pay approximately $1,230 annually
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,406
- Using low $100 deductibles for comprehensive and collision insurance will cost an additional $342 every year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,044 or more
- An auto insurance policy that insures a teen driver can cost as much as $5,364 a year
Car insurance prices for a Hyundai Sonata also have a wide range based on the trim level of your Sonata, your age and driving habits, and liability limits and deductibles.
If you have a few violations or you caused an accident, you may be forking out $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age
Where you choose to live makes a big difference in Hyundai Sonata insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,272 | -$134 | -9.5% |
| Alaska | $1,078 | -$328 | -23.3% |
| Arizona | $1,168 | -$238 | -16.9% |
| Arkansas | $1,406 | -$0 | 0.0% |
| California | $1,602 | $196 | 13.9% |
| Colorado | $1,340 | -$66 | -4.7% |
| Connecticut | $1,442 | $36 | 2.6% |
| Delaware | $1,592 | $186 | 13.2% |
| Florida | $1,758 | $352 | 25.0% |
| Georgia | $1,298 | -$108 | -7.7% |
| Hawaii | $1,010 | -$396 | -28.2% |
| Idaho | $954 | -$452 | -32.1% |
| Illinois | $1,046 | -$360 | -25.6% |
| Indiana | $1,060 | -$346 | -24.6% |
| Iowa | $948 | -$458 | -32.6% |
| Kansas | $1,336 | -$70 | -5.0% |
| Kentucky | $1,918 | $512 | 36.4% |
| Louisiana | $2,080 | $674 | 47.9% |
| Maine | $868 | -$538 | -38.3% |
| Maryland | $1,160 | -$246 | -17.5% |
| Massachusetts | $1,124 | -$282 | -20.1% |
| Michigan | $2,440 | $1,034 | 73.5% |
| Minnesota | $1,178 | -$228 | -16.2% |
| Mississippi | $1,686 | $280 | 19.9% |
| Missouri | $1,246 | -$160 | -11.4% |
| Montana | $1,510 | $104 | 7.4% |
| Nebraska | $1,108 | -$298 | -21.2% |
| Nevada | $1,686 | $280 | 19.9% |
| New Hampshire | $1,014 | -$392 | -27.9% |
| New Jersey | $1,572 | $166 | 11.8% |
| New Mexico | $1,244 | -$162 | -11.5% |
| New York | $1,482 | $76 | 5.4% |
| North Carolina | $810 | -$596 | -42.4% |
| North Dakota | $1,150 | -$256 | -18.2% |
| Ohio | $970 | -$436 | -31.0% |
| Oklahoma | $1,442 | $36 | 2.6% |
| Oregon | $1,286 | -$120 | -8.5% |
| Pennsylvania | $1,340 | -$66 | -4.7% |
| Rhode Island | $1,874 | $468 | 33.3% |
| South Carolina | $1,276 | -$130 | -9.2% |
| South Dakota | $1,188 | -$218 | -15.5% |
| Tennessee | $1,230 | -$176 | -12.5% |
| Texas | $1,692 | $286 | 20.3% |
| Utah | $1,042 | -$364 | -25.9% |
| Vermont | $962 | -$444 | -31.6% |
| Virginia | $842 | -$564 | -40.1% |
| Washington | $1,086 | -$320 | -22.8% |
| West Virginia | $1,288 | -$118 | -8.4% |
| Wisconsin | $972 | -$434 | -30.9% |
| Wyoming | $1,254 | -$152 | -10.8% |
Using high physical damage deductibles could save up to $520 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $405 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata SE 4-Dr Sedan | $1,448 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,448 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
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 | $280 | $512 | $440 | $1,412 |
| 2023 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2022 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2021 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2020 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2019 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2018 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2017 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2016 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2015 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2014 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2013 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2012 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2011 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2010 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2009 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2008 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2007 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2006 Hyundai Sonata | $126 | $160 | $504 | $970 |
| 2005 Hyundai Sonata | $120 | $152 | $500 | $952 |
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 Affordable Hyundai Sonata Insurance
Finding better rates on car insurance not only requires avoiding accidents and claims, but also having a positive credit history, being claim-free, and not having any coverage lapses. Compare prices every other policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The points below are a brief review of the ideas that were touched on in the above illustrations.
- Drivers under the age of 20 have the highest car insurance prices, possibly costing $447 per month if full coverage is purchased
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,640 more annually to insure a Hyundai Sonata
- Increasing policy deductibles can save approximately $525 each year
- You may be able to save approximately $170 per year simply by quoting early and online
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 | $5,364 |
| 20 | $3,260 |
| 30 | $1,460 |
| 40 | $1,406 |
| 50 | $1,286 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,590 |
| $500 | $1,406 |
| $1,000 | $1,230 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,406 |
| 50/100 | $1,580 |
| 100/300 | $1,693 |
| 250/500 | $1,985 |
| 100 CSL | $1,625 |
| 300 CSL | $1,873 |
| 500 CSL | $2,053 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,628 |
| 20 | $5,184 |
| 30 | $3,104 |
| 40 | $3,044 |
| 50 | $2,908 |
| 60 | $2,882 |
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 | $62 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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