Hyundai Genesis Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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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.

U.S. average insurance rates for a Hyundai Genesis are $1,200 a year including full coverage. Comprehensive insurance costs around $198 each year, collision insurance costs $288, and liability is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,588 or more. 16-year-old drivers pay the highest rates at up to $4,798 a year.

Average premium for full coverage: $1,200

Price estimates for individual coverage:

Comprehensive $198
Collision $288
Liability $534

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Genesis models.

Price Range from Low to High

For a 40-year-old driver, Hyundai Genesis insurance prices range from the low end price of $588 for just the minimum liability insurance to a high rate of $2,588 for a policy for a high-risk driver.

Liability Only $588
Full Coverage $1,200
High Risk $2,588

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

The ranges above highlight why all drivers should compare rates quotes for a specific zip code, 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 Rate Analysis

The chart below breaks down average Hyundai Genesis insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $721
  • Raising to $1,000 deductibles will save about $112 every year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,200
  • Buying low deductibles will cost an additional $212 every year
  • At-risk drivers with multiple tickets or accidents could pay at least $2,588
  • The price that insures a teen driver can be $4,798

View Chart as Image

Hyundai Genesis insurance cost comparison chart
Column chart showing Hyundai Genesis insurance prices range from $721 to $4,798 for full coverage

Auto insurance prices for a Hyundai Genesis are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age

The state you live in also has a big influence on Hyundai Genesis insurance prices. A middle-age driver might find prices as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,710 on average in Michigan, New York, and Louisiana.

Hyundai Genesis Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$114 -9.5%
Alaska $920 -$280 -23.3%
Arizona $996 -$204 -17.0%
Arkansas $1,200 -$0 0.0%
California $1,368 $168 14.0%
Colorado $1,144 -$56 -4.7%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,502 $302 25.2%
Georgia $1,110 -$90 -7.5%
Hawaii $860 -$340 -28.3%
Idaho $812 -$388 -32.3%
Illinois $892 -$308 -25.7%
Indiana $906 -$294 -24.5%
Iowa $810 -$390 -32.5%
Kansas $1,140 -$60 -5.0%
Kentucky $1,636 $436 36.3%
Louisiana $1,778 $578 48.2%
Maine $742 -$458 -38.2%
Maryland $992 -$208 -17.3%
Massachusetts $958 -$242 -20.2%
Michigan $2,082 $882 73.5%
Minnesota $1,004 -$196 -16.3%
Mississippi $1,438 $238 19.8%
Missouri $1,064 -$136 -11.3%
Montana $1,290 $90 7.5%
Nebraska $946 -$254 -21.2%
Nevada $1,442 $242 20.2%
New Hampshire $866 -$334 -27.8%
New Jersey $1,344 $144 12.0%
New Mexico $1,062 -$138 -11.5%
New York $1,262 $62 5.2%
North Carolina $692 -$508 -42.3%
North Dakota $984 -$216 -18.0%
Ohio $826 -$374 -31.2%
Oklahoma $1,232 $32 2.7%
Oregon $1,100 -$100 -8.3%
Pennsylvania $1,144 -$56 -4.7%
Rhode Island $1,600 $400 33.3%
South Carolina $1,088 -$112 -9.3%
South Dakota $1,014 -$186 -15.5%
Tennessee $1,050 -$150 -12.5%
Texas $1,444 $244 20.3%
Utah $886 -$314 -26.2%
Vermont $822 -$378 -31.5%
Virginia $716 -$484 -40.3%
Washington $926 -$274 -22.8%
West Virginia $1,100 -$100 -8.3%
Wisconsin $832 -$368 -30.7%
Wyoming $1,068 -$132 -11.0%

View Chart as Image

Hyundai Genesis insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $330 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 extra every 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 $1,250 $104
Hyundai Genesis 3.8 4-Dr Sedan $992 $83
Hyundai Genesis 2.0T Premium 2-Dr Coupe $1,278 $107
Hyundai Genesis 2.0T Track 2-Dr Coupe $1,290 $108
Hyundai Genesis 3.8 2-Dr Coupe $1,278 $107
Hyundai Genesis 3.8 Grand Touring 2-Dr Coupe $1,290 $108
Hyundai Genesis 3.8 Track 2-Dr Coupe $1,312 $109
Hyundai Genesis 4.6 4-Dr Sedan $1,032 $86

Rates assume 2009 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
2015 Hyundai Genesis $268 $464 $520 $1,432
2013 Hyundai Genesis $242 $400 $524 $1,346
2012 Hyundai Genesis $236 $374 $534 $1,324
2011 Hyundai Genesis $218 $346 $534 $1,278
2010 Hyundai Genesis $212 $314 $540 $1,246
2009 Hyundai Genesis $198 $288 $534 $1,200

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 Low Cost Hyundai Genesis Insurance

Getting lower rates on car insurance consists of being a low-risk driver, maintaining a good credit score, being claim-free, and possibly raising deductibles. Comparison shop every year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a review of the coverage data illustrated above.

  • You may be able to save up to $140 per year just by quoting online in advance
  • Increasing physical damage deductibles can save approximately $325 each year
  • Teen drivers are expensive to insure, possibly costing $400 a month if the policy includes full coverage
  • Higher risk drivers who have several accidents or serious violations may have to pay on average $1,390 more every year to insure their Genesis

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 $4,798
20 $2,752
30 $1,224
40 $1,200
50 $1,102
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Genesis Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,314
$500 $1,200
$1,000 $1,088

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Genesis Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,112
100/300 $1,213
250/500 $1,474
100 CSL $1,153
300 CSL $1,374
500 CSL $1,535

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Genesis Insurance Rates for High Risk Drivers
Age Premium
16 $6,774
20 $4,388
30 $2,614
40 $2,588
50 $2,476
60 $2,450

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 $163

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $65
Homeowner $21
5-yr Accident Free $75
5-yr Claim Free $76
Paid in Full/EFT $45
Advance Quote $54
Online Quote $82
Total Discounts $479
Rate after discounts $721

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

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