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 prices for a Hyundai Genesis are $1,346 every 12 months including full coverage. Comprehensive insurance costs on average $242, collision costs $400, and liability coverage costs around $524. A liability-only policy costs as low as $580 a year, with high-risk insurance costing $2,912 or more. Teens receive the highest rates at $5,254 a year or more.

Average premium for full coverage: $1,346

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Genesis models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects car insurance rates.

These examples highlight why everyone should compare prices based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Hyundai Genesis insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $794
• Using higher $1,000 deductibles will save around $146 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,346
• Selecting pricier low deductibles for physical damage coverage costs an extra $282 each year
• Higher-risk drivers with serious driving violations could pay upwards of $2,912 or more
• The cost to insure a teenage driver for full coverage may cost $5,254 or more

View Chart as Image

Insurance rates for a Hyundai Genesis can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Genesis.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $354 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Hyundai Genesis insurance for high-risk drivers can be around 42% to 132% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Hyundai Genesis insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,920 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, so the rates can be significantly different.

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 Shop for More Affordable Hyundai Genesis Insurance

Saving money on auto insurance requires being a safe and courteous driver, having good credit, not filing small claims, and bundling your home and auto policies. Invest the time to compare rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a summary of the ideas that were presented in the illustrations above.

• Teenage drivers pay the highest rates, as much as $438 per month if they have full coverage
• Drivers who have multiple accidents or major violations may pay on average $1,570 more each year for auto insurance
• Increasing deductibles could save as much as $425 each year
• You may be able to save as much as $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.

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
• Audi A6 Insurance Rates
• 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