Hyundai Genesis Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 14, 2024
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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.
The average insurance rates for a Hyundai Genesis are $1,346 a year including full coverage. Comprehensive costs around $242, collision costs $400, and liability coverage is $524. Liability-only insurance costs around $580 a year, with high-risk driver insurance costing around $2,912. Teen drivers cost the most to insure at $5,254 a year or more.
Average premium for full coverage: $1,346
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Genesis models.
Price Range Variability
Using a 40-year-old driver as an example, Hyundai Genesis insurance rates go from the low end price of $580 for basic liability insurance to the much higher price of $2,912 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why everyone should compare rates quotes for a specific zip code, rather than using price averages.
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.
Rate Comparisons
The chart below breaks down estimated Hyundai Genesis insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $794
- Raising to $1,000 deductibles will save about $146 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,346
- Choosing pricier low deductibles bumps up the cost to $1,628
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,912 or more
- Policy cost that insures a teenage driver for full coverage can be $5,254
Auto insurance rates for a Hyundai Genesis also range considerably based on the model of your Genesis, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Hyundai Genesis insurance for high-risk drivers is expensive and can cost around 42% to 132% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age
Your home state also has a big influence on Hyundai Genesis insurance rates. A middle-age driver might find rates as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,920 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$130 | -9.7% |
| Alaska | $1,032 | -$314 | -23.3% |
| Arizona | $1,118 | -$228 | -16.9% |
| Arkansas | $1,346 | -$0 | 0.0% |
| California | $1,534 | $188 | 14.0% |
| Colorado | $1,286 | -$60 | -4.5% |
| Connecticut | $1,382 | $36 | 2.7% |
| Delaware | $1,524 | $178 | 13.2% |
| Florida | $1,684 | $338 | 25.1% |
| Georgia | $1,244 | -$102 | -7.6% |
| Hawaii | $964 | -$382 | -28.4% |
| Idaho | $912 | -$434 | -32.2% |
| Illinois | $1,002 | -$344 | -25.6% |
| Indiana | $1,016 | -$330 | -24.5% |
| Iowa | $908 | -$438 | -32.5% |
| Kansas | $1,278 | -$68 | -5.1% |
| Kentucky | $1,836 | $490 | 36.4% |
| Louisiana | $1,992 | $646 | 48.0% |
| Maine | $832 | -$514 | -38.2% |
| Maryland | $1,110 | -$236 | -17.5% |
| Massachusetts | $1,076 | -$270 | -20.1% |
| Michigan | $2,336 | $990 | 73.6% |
| Minnesota | $1,126 | -$220 | -16.3% |
| Mississippi | $1,612 | $266 | 19.8% |
| Missouri | $1,192 | -$154 | -11.4% |
| Montana | $1,446 | $100 | 7.4% |
| Nebraska | $1,060 | -$286 | -21.2% |
| Nevada | $1,616 | $270 | 20.1% |
| New Hampshire | $970 | -$376 | -27.9% |
| New Jersey | $1,504 | $158 | 11.7% |
| New Mexico | $1,190 | -$156 | -11.6% |
| New York | $1,416 | $70 | 5.2% |
| North Carolina | $776 | -$570 | -42.3% |
| North Dakota | $1,104 | -$242 | -18.0% |
| Ohio | $930 | -$416 | -30.9% |
| Oklahoma | $1,380 | $34 | 2.5% |
| Oregon | $1,232 | -$114 | -8.5% |
| Pennsylvania | $1,282 | -$64 | -4.8% |
| Rhode Island | $1,796 | $450 | 33.4% |
| South Carolina | $1,222 | -$124 | -9.2% |
| South Dakota | $1,136 | -$210 | -15.6% |
| Tennessee | $1,178 | -$168 | -12.5% |
| Texas | $1,622 | $276 | 20.5% |
| Utah | $996 | -$350 | -26.0% |
| Vermont | $922 | -$424 | -31.5% |
| Virginia | $806 | -$540 | -40.1% |
| Washington | $1,038 | -$308 | -22.9% |
| West Virginia | $1,234 | -$112 | -8.3% |
| Wisconsin | $932 | -$414 | -30.8% |
| Wyoming | $1,200 | -$146 | -10.8% |
Choosing high deductibles can reduce rates by up to $430 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $354 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Genesis 2.0T 2-Dr Coupe | $1,386 | $116 |
| Hyundai Genesis 3.8 4-Dr Sedan | $1,128 | $94 |
| Hyundai Genesis 2.0T Premium 2-Dr Coupe | $1,422 | $119 |
| Hyundai Genesis 2.0T Track 2-Dr Coupe | $1,440 | $120 |
| Hyundai Genesis 3.8 2-Dr Coupe | $1,422 | $119 |
| Hyundai Genesis 3.8 Grand Touring 2-Dr Coupe | $1,440 | $120 |
| Hyundai Genesis 3.8 Track 2-Dr Coupe | $1,466 | $122 |
| Hyundai Genesis 4.6 4-Dr Sedan | $1,180 | $98 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Hyundai Genesis | $242 | $400 | $524 | $1,346 |
| 2015 Hyundai Genesis | $236 | $374 | $534 | $1,324 |
| 2014 Hyundai Genesis | $218 | $346 | $534 | $1,278 |
| 2013 Hyundai Genesis | $212 | $314 | $540 | $1,246 |
| 2012 Hyundai Genesis | $198 | $288 | $534 | $1,200 |
| 2011 Hyundai Genesis | $186 | $262 | $534 | $1,162 |
| 2010 Hyundai Genesis | $180 | $234 | $530 | $1,124 |
| 2009 Hyundai Genesis | $178 | $230 | $520 | $1,108 |
Rates are averaged for all Hyundai Genesis 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 More Affordable Hyundai Genesis Insurance
Finding cheaper rates on auto insurance consists of being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at least every other year by requesting quotes from direct car insurance companies, and also from local insurance agencies.
Below you'll find a summary of the car insurance concepts raised in the charts and tables above.
- Drivers who have multiple accidents or major violations may have to pay on average $1,570 more every year than a low-risk driver
- You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $425 each year
- Consumers who may need more liability protection will pay about $580 per year to raise from a 30/60 limit to the 250/500 level
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.
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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| Vehicle Make and Model | Overall Crash Test Ratings | Frontal Crash Test Ratings | Side Crash Test Ratings | Rollover Crash Test Ratings |
|---|---|---|---|---|
| 2011 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2011 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2013 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2013 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2014 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2014 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2015 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2015 Hyundai Genesis 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2015 Hyundai Genesis 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Hyundai Genesis 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Hyundai Genesis 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
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| Insurance Coverage Categories | Loss Rates |
|---|---|
| Collision | 54% |
| Property damage | -29% |
| Comprehensive | 54% |
| Personal injury | -15% |
| Medical payment | -1% |
| Bodily injury | N/A |
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.
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:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,254 |
| 20 | $3,100 |
| 30 | $1,384 |
| 40 | $1,346 |
| 50 | $1,236 |
| 60 | $1,208 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,628 |
| $250 | $1,498 |
| $500 | $1,346 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,259 |
| 100/300 | $1,357 |
| 250/500 | $1,613 |
| 100 CSL | $1,298 |
| 300 CSL | $1,515 |
| 500 CSL | $1,673 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,452 |
| 20 | $4,942 |
| 30 | $2,952 |
| 40 | $2,912 |
| 50 | $2,782 |
| 60 | $2,756 |
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 | $70 |
| Multi-vehicle | $72 |
| Homeowner | $22 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $55 |
| Advance Quote | $63 |
| Online Quote | $93 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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