Hyundai Genesis Insurance Rates

How much is a Hyundai Genesis insurance policy? Average Hyundai Genesis insurance rates are $133 per month or $1,598 annually. However, your rates may vary slightly depending on your driver demographics and the model year of your Genesis. 

For example, if you are comparing the 2014 Hyundai Genesis Coupe insurance costs with the Hyundai Genesis Sedan insurance costs, you’ll receive slightly different rates. Read through our complete Hyundai Genesis guide to learn what you can do to secure cheap car insurance for your Genesis. 

Ready to start comparing your best Hyundai Genesis car insurance rates? Simply enter your ZIP code into our FREE online tool above to find the best Hyundai Genesis car insurance rates in your area.

Average insurance rates for a Hyundai Genesis are $1,432 a year including full coverage. Comprehensive costs approximately $268, collision insurance costs $464, and liability costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs around $3,100. Teen drivers receive the highest rates at up to $5,520 a year.

Average premium for full coverage: $1,432

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Genesis models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.

These examples highlight why everyone should compare prices using their specific location and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Hyundai Genesis insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $836
• Using higher $1,000 deductibles will save $166 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,432
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,754
• Drivers with multiple violations and an at-fault accident could pay around $3,100
• The cost for full coverage for a teen driver for full coverage can cost $5,520 or more

View Chart as Image

Car insurance rates for a Hyundai Genesis can also vary considerably based on your driver profile, the model of your Genesis, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $5,500 a year. View Rates by Age

Where you live has a huge impact on Hyundai Genesis insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,040 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $490 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 extra per year, depending on your age. Hyundai Genesis insurance for high-risk drivers can be as much as 43% to 132% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2016 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.

How to Find Affordable Hyundai Genesis Insurance

Saving money on car insurance requires being a good driver, having above-average credit, not filing small claims, 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 GEICO and Progressive, and also from insurance agencies where you live.

The following list is a brief review of the information touched on in this article.

• You may be able to save around $170 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 pay the highest auto insurance rates, as much as $460 per month if full coverage is included
• Increasing deductibles can save around $500 each year
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,670 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay about $570 per year to increase from a minimum limit to 250/500 limits

If you are wondering if a Hyundai Genesis Coupe is expensive to insure in your area, the best way to find out is to get car insurance quotes from multiple different companies. 

Getting multiple Hyundai Genesis car insurance quotes on comparison sites will allow you to quickly find the best rates, whether you are looking for the 2012 Hyundai Genesis Coupe 2.0 T insurance costs or the 2015 Hyundai Genesis insurance costs.

To find out how much is insurance for a Hyundai Genesis coupe or sedan in your area and to secure some major savings, enter your ZIP code into our free quote tool below.

What are the Hyundai Genesis safety ratings?

The Hyundai Genesis has some great advanced safety features, such as a rearview camera, lane departure warning, forward collision warning, and more. 

The Hyundai Genesis safety ratings are also excellent, as the Insurance Institute for Highway Safety (IIHS) gave the Hyundai Genesis a 2016 Top Safety Pick award.

The ratings below are a breakdown of the IIHS’s overall rating for the 2016 Hyundai Genesis.

• Small overlap front (driver-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

As you can see, the 2016 model received nearly perfect safety ratings across the board. Your car insurance rates will already reflect these phenomenal safety ratings. 

What are the Hyundai Genesis crash test ratings?

Another great way to estimate your potential Hyundai Genesis car insurance rates is by looking at crash test ratings for your vehicle’s specific model year. 

See a breakdown of the Hyundai Genesis crash test ratings by model year as performed by the National Highway Traffic Safety Administration (NHTSA) in the table below. 

Hyundai Genesis Crash Test Ratings

A 5-star rating is the highest possible score given by the NHTSA. Overall, the Hyundai Genesis received great crash test ratings. 

You may have noticed that earlier models of the Hyundai Genesis were not crash tested. If you drive one of those model years, your insurance rates will be different than the 2015 and 2016 model years with more well-rounded results.  

Should you compare the Hyundai Genesis against other vehicles in the same car class?

Is a Hyundai Genesis considered a sports car? No, technically, the Hyundai Genesis is classified as a large luxury car and not a sports car. Although, both luxury and sports cars tend to have higher than average liability rates.

In the table below, let’s explore the Hyundai Genesis insurance loss probability details to get a clearer idea of how much different insurance coverages might cost you. 

Keep in mind that lower loss ratios mean lower car insurance rates. However, higher loss ratios mean higher than average car insurance premiums.   

Hyundai Genesis Insurance Loss Rates

The Hyundai Genesis has substantially worse than average comprehensive and collision loss ratios. If you are hoping to purchase a full coverage car insurance policy for your Genesis, expect the collision and comprehensive coverages to be higher than average. 

If you want to better see how the Hyundai Genesis’s rates compare to other large luxury cars, view the list below.

• Acura RLX Insurance Rates
• Audi A6 Insurance Rates
• Audi A7 Insurance Rates

You are officially an expert on securing affordable Hyundai Genesis car insurance costs. Remember, the best Hyundai Genesis car insurance company will provide you with competitive rates without compromising your coverage levels. 

You’re now ready to buy Hyundai Genesis car insurance. To find out what the cost of a Hyundai Genesis is to insure in your area, just enter your ZIP code into our free quote tool to find your best rates and save.

References:

1. https://www.iihs.org/ratings/vehicle/hyundai/genesis-4-door-sedan/2016
2. https://www.nhtsa.gov/vehicle/2016/HYUNDAI/GENESIS/4%252520DR/AWD