Hyundai Sonata 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: Jun 5, 2023

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Hyundai Sonata insurance
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.

The average insurance rates for a Hyundai Sonata are $1,406 a year for full coverage. Comprehensive insurance costs approximately $270 each year, collision insurance costs $506, and liability coverage costs $450. Liability-only insurance costs as little as $518 a year, and high-risk driver insurance costs $3,044 or more. Teens cost the most to insure at up to $5,364 a year.

Average premium for full coverage: $1,406

Policy rates by type of insurance:

Comprehensive $270
Collision $506
Liability $450

Price estimates include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Sonata models.

Price Range Variability

Using a 40-year-old driver as an example, Hyundai Sonata insurance rates range from as low as $518 for your basic liability-only policy to a high rate of $3,044 for high-risk insurance.

Liability Only $518
Full Coverage $1,406
High Risk $3,044

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,055
Small Cities $1,476
Large Cities $1,898

The examples above show why all drivers should compare rates using their specific location and risk profile, rather than using 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 Information

The chart below shows average Hyundai Sonata insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $818
  • Drivers who choose higher $1,000 deductibles will pay $176 a year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,406
  • Selecting low deductibles for comprehensive and collision insurance will cost an extra $342 each year
  • High-risk insureds with serious driving violations could pay around $3,044
  • Policy cost for full coverage for a teenage driver can cost $5,364 a year

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing Hyundai Sonata insurance prices range from $818 to $5,364 for full coverage

Auto insurance rates for a Hyundai Sonata also range considerably based on your risk profile, the trim level of your Sonata, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state makes a big difference in Hyundai Sonata insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

Hyundai Sonata Insurance Rates by State
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%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $520 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $405 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Hyundai Sonata Insurance Rates by Model and Trim Level
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.

Hyundai Sonata Insurance Rates by Model Year
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 Cheaper Hyundai Sonata Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a condensed summary of the material that was raised in the charts and tables above.

  • Consumers who purchase increased levels of liability coverage will pay approximately $500 each year to go from a 30/60 limit to 250/500 limits
  • Drivers age 20 and younger have the highest car insurance rates, costing up to $447 each month if they have full coverage
  • Drivers with multiple at-fault accidents may pay on average $1,640 more per year to buy Hyundai Sonata insurance
  • Increasing comprehensive and collision deductibles can save around $525 each year

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

  1. https://www.iihs.org/ratings/vehicle/hyundai/sonata-4-door-sedan/2020

Rates by Driver Age

Hyundai Sonata Insurance 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

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,590
$500 $1,406
$1,000 $1,230

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
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

Hyundai Sonata Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $818

Discounts are estimated and may not be available from every company or in every state.

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