Hyundai Genesis Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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.
Average insurance rates for a Hyundai Genesis are $1,376 a year for full coverage. Comprehensive insurance costs approximately $250, collision costs $426, and liability costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing $2,980 or more. 16-year-old drivers receive the highest rates at $5,348 a year or more.
Average premium for full coverage: $1,376
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all Genesis models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $576 for liability-only coverage to the much higher price of $2,980 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities.
The example below illustrates how geographic area affects auto insurance prices.
These examples show why everyone should compare prices using their specific location, instead of using rate 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.
Additional Charts and Tables
The chart below shows estimated Hyundai Genesis insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $808
- Using higher $1,000 deductibles will save $154 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,376
- Buying pricier low deductibles for physical damage coverage will cost an additional $300 every year
- Drivers with multiple tickets or accidents could pay around $2,980 or more
- The cost that insures a teen driver for full coverage can cost $5,348 or more
Auto insurance rates for a Hyundai Genesis can also vary considerably based on the model of your Genesis, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. Hyundai Genesis insurance for high-risk drivers can be as much as 43% to 129% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 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 $910 a year in states like Iowa, Maine, and Idaho, or at least $1,960 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,244 | -$132 | -9.6% |
| Alaska | $1,054 | -$322 | -23.4% |
| Arizona | $1,144 | -$232 | -16.9% |
| Arkansas | $1,376 | -$0 | 0.0% |
| California | $1,568 | $192 | 14.0% |
| Colorado | $1,314 | -$62 | -4.5% |
| Connecticut | $1,414 | $38 | 2.8% |
| Delaware | $1,558 | $182 | 13.2% |
| Florida | $1,722 | $346 | 25.1% |
| Georgia | $1,272 | -$104 | -7.6% |
| Hawaii | $988 | -$388 | -28.2% |
| Idaho | $932 | -$444 | -32.3% |
| Illinois | $1,024 | -$352 | -25.6% |
| Indiana | $1,040 | -$336 | -24.4% |
| Iowa | $930 | -$446 | -32.4% |
| Kansas | $1,306 | -$70 | -5.1% |
| Kentucky | $1,876 | $500 | 36.3% |
| Louisiana | $2,040 | $664 | 48.3% |
| Maine | $848 | -$528 | -38.4% |
| Maryland | $1,136 | -$240 | -17.4% |
| Massachusetts | $1,098 | -$278 | -20.2% |
| Michigan | $2,388 | $1,012 | 73.5% |
| Minnesota | $1,152 | -$224 | -16.3% |
| Mississippi | $1,648 | $272 | 19.8% |
| Missouri | $1,220 | -$156 | -11.3% |
| Montana | $1,478 | $102 | 7.4% |
| Nebraska | $1,086 | -$290 | -21.1% |
| Nevada | $1,652 | $276 | 20.1% |
| New Hampshire | $992 | -$384 | -27.9% |
| New Jersey | $1,538 | $162 | 11.8% |
| New Mexico | $1,218 | -$158 | -11.5% |
| New York | $1,450 | $74 | 5.4% |
| North Carolina | $794 | -$582 | -42.3% |
| North Dakota | $1,128 | -$248 | -18.0% |
| Ohio | $950 | -$426 | -31.0% |
| Oklahoma | $1,414 | $38 | 2.8% |
| Oregon | $1,260 | -$116 | -8.4% |
| Pennsylvania | $1,312 | -$64 | -4.7% |
| Rhode Island | $1,836 | $460 | 33.4% |
| South Carolina | $1,248 | -$128 | -9.3% |
| South Dakota | $1,162 | -$214 | -15.6% |
| Tennessee | $1,204 | -$172 | -12.5% |
| Texas | $1,658 | $282 | 20.5% |
| Utah | $1,018 | -$358 | -26.0% |
| Vermont | $944 | -$432 | -31.4% |
| Virginia | $824 | -$552 | -40.1% |
| Washington | $1,064 | -$312 | -22.7% |
| West Virginia | $1,260 | -$116 | -8.4% |
| Wisconsin | $954 | -$422 | -30.7% |
| Wyoming | $1,226 | -$150 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $460 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Genesis 2.0T 2-Dr Coupe | $1,414 | $118 |
| Hyundai Genesis 3.8 4-Dr Sedan | $1,156 | $96 |
| Hyundai Genesis 2.0T Premium 2-Dr Coupe | $1,450 | $121 |
| Hyundai Genesis 2.0T Track 2-Dr Coupe | $1,470 | $123 |
| Hyundai Genesis 3.8 2-Dr Coupe | $1,450 | $121 |
| Hyundai Genesis 3.8 Grand Touring 2-Dr Coupe | $1,470 | $123 |
| Hyundai Genesis 3.8 Track 2-Dr Coupe | $1,500 | $125 |
| Hyundai Genesis 4.6 4-Dr Sedan | $1,212 | $101 |
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 | $250 | $426 | $520 | $1,376 |
| 2015 Hyundai Genesis | $242 | $400 | $524 | $1,346 |
| 2014 Hyundai Genesis | $236 | $374 | $534 | $1,324 |
| 2013 Hyundai Genesis | $218 | $346 | $534 | $1,278 |
| 2012 Hyundai Genesis | $212 | $314 | $540 | $1,246 |
| 2011 Hyundai Genesis | $198 | $288 | $534 | $1,200 |
| 2010 Hyundai Genesis | $186 | $262 | $534 | $1,162 |
| 2009 Hyundai Genesis | $180 | $234 | $530 | $1,124 |
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 Cheaper Hyundai Genesis Insurance
Saving money on car insurance requires being safe and accident-free, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Comparison shop every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a condensed summary of the ideas that were presented in the illustrations above.
- Youthful drivers have the highest car insurance rates, costing as high as $446 per month if the policy includes full coverage
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,600 more per year than a low-risk driver
- Increasing deductibles can save approximately $450 each year
- Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
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 | $5,348 |
| 20 | $3,174 |
| 30 | $1,418 |
| 40 | $1,376 |
| 50 | $1,262 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,676 |
| $250 | $1,536 |
| $500 | $1,376 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,376 |
| 50/100 | $1,290 |
| 100/300 | $1,388 |
| 250/500 | $1,641 |
| 100 CSL | $1,329 |
| 300 CSL | $1,544 |
| 500 CSL | $1,700 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,592 |
| 20 | $5,060 |
| 30 | $3,026 |
| 40 | $2,980 |
| 50 | $2,846 |
| 60 | $2,820 |
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 | $72 |
| Multi-vehicle | $74 |
| Homeowner | $22 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $57 |
| Advance Quote | $65 |
| Online Quote | $96 |
| Total Discounts | $568 |
Discounts are estimated and may not be available from every company or in every state.
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