Hyundai Genesis Insurance Rates

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Compare 2014 Hyundai Genesis Insurance Quotes in 2025

Trying to find lower auto insurance rates for your Hyundai Genesis? When trying to find lower-cost insurance, are you frustrated by the dozens of auto insurance companies in your area? You're not alone. You have such a vast assortment of companies available that it can be a real hassle to find better auto insurance rates. You need to shop coverage around before your next renewal because insurance ...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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 including full coverage. Comprehensive insurance costs an estimated $250, collision insurance costs $426, and liability costs $520. A liability-only policy costs as little as $576 a year, and high-risk insurance 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 broken down by individual coverage type:

Comprehensive $250
Collision $426
Liability $520

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Genesis models.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the low end price of $576 for minimum levels of liability insurance to the much higher price of $2,980 for high-risk insurance.

Liability Only $576
Full Coverage $1,376
High Risk $2,980

Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,032
Small Cities $1,445
Large Cities $1,858

These examples highlight why everyone should compare rates for a targeted area, instead of using averaged prices.

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 breaks down average Hyundai Genesis insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $808
  • Drivers who choose higher $1,000 deductibles will pay approximately $154 every year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,376
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $300 every year
  • Higher-risk drivers with serious driving violations could pay up to $2,980
  • The cost that insures a teen driver for full coverage can cost as much as $5,348 a year

View Chart as Image

Hyundai Genesis insurance cost comparison chart
Column chart showing Hyundai Genesis insurance prices range from $808 to $5,348 for full coverage

Insurance rates for a Hyundai Genesis can also vary considerably based on the model of your Genesis, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,300 extra per year, depending on your age. Hyundai Genesis insurance for high-risk drivers can cost as much as 43% to 129% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Where you live makes a big difference in Hyundai Genesis insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,960 on average in Louisiana, New York, and Michigan.

Hyundai Genesis Insurance Rates by State
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%

View Chart as Image

Hyundai Genesis insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $460 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Hyundai Genesis Insurance Rates by Model and Trim Level
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.

Hyundai Genesis Insurance Rates by Model Year
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 the Right Hyundai Genesis Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The points below are a quick rundown of the material that was covered above.

  • Policyholders who want increased liability limits will pay approximately $570 per year to go from a minimum limit to the 250/500 level
  • Drivers under the age of 20 are charged the highest rates, as much as $446 per month if full coverage is included
  • Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,600 more annually to insure a Hyundai Genesis
  • Increasing deductibles can save approximately $450 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.

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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 ModelOverall Crash Test RatingsFrontal Crash Test RatingsSide Crash Test RatingsRollover Crash Test Ratings
2011 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2011 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2012 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2012 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2012 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2013 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2013 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2014 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2014 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2015 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2015 Hyundai Genesis 4 DR AWD5 stars5 stars5 stars5 stars
2015 Hyundai Genesis 4 DR RWD5 stars5 stars5 stars5 stars
2016 Hyundai Genesis 4 DR AWD5 stars5 stars5 stars5 stars
2016 Hyundai Genesis 4 DR RWD5 stars5 stars5 stars5 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 CategoriesLoss Rates
Collision54%
Property damage-29%
Comprehensive54%
Personal injury-15%
Medical payment-1%
Bodily injuryN/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:

  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

Rates by Driver Age

Hyundai Genesis Insurance 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

Hyundai Genesis Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,676
$250 $1,536
$500 $1,376
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Genesis Insurance Rates with Different Liability Limits
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

Hyundai Genesis Insurance 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.

SR-22 Surcharge $191

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
Rate after discounts $808

Discounts are estimated and may not be available from every company or in every state.

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