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 $1,376 a year for full coverage insurance. Comprehensive insurance costs around $250 each year, collision insurance costs $426, and liability is estimated at $520. Buying just liability costs approximately $576 a year, and insurance for high-risk drivers costs $2,980 or more. Teens receive the highest rates at up to $5,348 a year.

Average premium for full coverage: $1,376

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Genesis models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.

These examples illustrate why all drivers should get quotes for a specific zip code and risk profile, instead of using averaged prices.

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

Additional Rate Details

The chart below illustrates average Hyundai Genesis insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $808
• Choosing higher $1,000 deductibles can save about $154 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,376
• Selecting low deductibles for comp and collision coverage will cost an extra $300 every year
• Unlucky drivers with serious driving violations could pay at least $2,980
• The cost for full coverage for a teen driver can be $5,348 each year

View Chart as Image

Auto insurance rates for a Hyundai Genesis can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Hyundai Genesis insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $460 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 129% more than the average policy. 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 More Affordable Hyundai Genesis Insurance

Saving money on car insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The list below is a summary of the data touched on in this article.

• Policyholders who may need higher liability limits will pay approximately $570 annually to raise limits from a minimum limit to 250/500 limits
• It is possible to save up to $160 per year just by quoting online in advance
• Increasing deductibles can save around $450 each year
• Teenagers are expensive to insure, costing up to $446 per month if they have full coverage

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
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• 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