Hyundai Genesis Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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.
| 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.
| 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 | $4,798 |
| 20 | $2,752 |
| 30 | $1,224 |
| 40 | $1,200 |
| 50 | $1,102 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,412 |
| $250 | $1,314 |
| $500 | $1,200 |
| $1,000 | $1,088 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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