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.
The average auto insurance rates for a Hyundai Genesis are $1,346 annually with full coverage. Comprehensive costs around $242 each year, collision costs $400, and liability insurance costs $524. Buying just liability costs as little as $580 a year, with insurance for high-risk drivers 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:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Genesis models.
Price Range Variability
For a 40-year-old driver, Hyundai Genesis insurance rates go from as cheap as $580 for minimum levels of liability insurance to a high rate of $2,912 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas.
The graphic below illustrates how your location can change auto insurance rates.
The examples above demonstrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than relying on 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.
Additional Rate Details
The chart below details estimated Hyundai Genesis insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $794
- Drivers who choose higher $1,000 deductibles will pay about $146 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,346
- Choosing low deductibles for comprehensive and collision insurance will cost $1,628
- High risk drivers with multiple violations and an at-fault accident could pay at least $2,912 or more
- Policy cost with full coverage for a teen driver can be $5,254 a year
Insurance rates for a Hyundai Genesis also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $430 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $354 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Hyundai Genesis insurance rates. A 40-year-old driver could pay as low as $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,820 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied between companies.
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 Buy the Best Hyundai Genesis Insurance
Finding cheaper rates on Hyundai Genesis insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a brief recap of the material that was illustrated above.
- Drivers who may need higher levels of liability will pay about $580 every year to go from a 30/60 limit to higher 250/500 limits
- Teenage drivers pay higher rates, as much as $438 each month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations may pay on average $1,570 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save up to $425 each year
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.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
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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