Hyundai Sonata Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Mar 31, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Average insurance rates for a Hyundai Sonata are $1,406 a year for full coverage. Comprehensive costs on average $270, collision costs $506, and liability costs around $450. Liability-only coverage costs as low as $518 a year, with high-risk coverage costing around $3,044. Teens receive the highest rates at $5,364 a year or more.

Average premium for full coverage: $1,406

Rate estimates by individual coverage type:

Comprehensive $270
Collision $506
Liability $450

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Sonata models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from the low end price of $518 for your basic liability-only policy to the much higher price of $3,044 for coverage for higher-risk drivers.

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

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

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

These examples show why everyone should compare prices based on a specific location, instead of 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 estimated Hyundai Sonata insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $818
  • Using higher $1,000 deductibles will save around $176 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,406
  • Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,748
  • Drivers with serious driving violations could pay upwards of $3,044 or more
  • The cost that insures a teen driver for full coverage may cost $5,364 or more

View Chart as Image

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

Car insurance rates for a Hyundai Sonata can also vary considerably based on the model of your Sonata, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,700 to $2,300 extra per year, depending on your age. Hyundai Sonata insurance for high-risk drivers can be as much as 43% to 135% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $5,300 a year. View Rates by Age

Where you live has a huge impact on Hyundai Sonata insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

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 cut rates by as much as $520 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $405 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes can be significantly different.

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 the Cheapest Hyundai Sonata Insurance

Saving money on car insurance requires being safe and accident-free, having a positive credit history, eliminating unneeded coverage, and maximizing policy discounts. Compare rates at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the primary concepts that were covered above.

  • Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
  • Higher risk drivers that have major violations or accidents may pay on average $1,640 more each year than a low-risk driver
  • Increasing deductibles can save approximately $525 each year
  • Youthful drivers are expensive to insure, costing as high as $447 per month if full coverage is purchased

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles