Hyundai Ioniq 6 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Hyundai Ioniq 6 are $1,524 a year for full coverage. Comprehensive insurance costs on average $418 each year, collision costs $750, and liability costs around $246. A liability-only policy costs as low as $298 a year, with high-risk insurance costing $3,280 or more. Teen drivers cost the most to insure at $5,214 a year or more.
Average premium for full coverage: $1,524
Policy rates by type of insurance:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Ioniq 6 models.
Price Range Variability
Using a 40-year-old driver as an example, Hyundai Ioniq 6 insurance rates go from as low as $298 for basic liability insurance to a high rate of $3,280 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above show why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based 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.
Rate Comparisons
The chart below shows estimated Hyundai Ioniq 6 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $844
- Using higher $1,000 deductibles will save around $266 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,524
- Choosing low deductibles for physical damage coverage will cost an extra $514 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,280 or more
- Policy cost for full coverage for a 16-year-old driver may cost $5,214 or more
Car insurance rates for a Hyundai Ioniq 6 also range considerably based on your risk profile, the trim level of your Ioniq 6, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $5,200 a year. View Rates by Age
Your home state has a huge impact on Hyundai Ioniq 6 insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Idaho, Maine, and Iowa, or as much as $2,170 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,378 | -$146 | -9.6% |
| Alaska | $1,166 | -$358 | -23.5% |
| Arizona | $1,264 | -$260 | -17.1% |
| Arkansas | $1,524 | -$0 | 0.0% |
| California | $1,734 | $210 | 13.8% |
| Colorado | $1,452 | -$72 | -4.7% |
| Connecticut | $1,562 | $38 | 2.5% |
| Delaware | $1,722 | $198 | 13.0% |
| Florida | $1,904 | $380 | 24.9% |
| Georgia | $1,406 | -$118 | -7.7% |
| Hawaii | $1,094 | -$430 | -28.2% |
| Idaho | $1,030 | -$494 | -32.4% |
| Illinois | $1,136 | -$388 | -25.5% |
| Indiana | $1,148 | -$376 | -24.7% |
| Iowa | $1,028 | -$496 | -32.5% |
| Kansas | $1,446 | -$78 | -5.1% |
| Kentucky | $2,076 | $552 | 36.2% |
| Louisiana | $2,254 | $730 | 47.9% |
| Maine | $938 | -$586 | -38.5% |
| Maryland | $1,254 | -$270 | -17.7% |
| Massachusetts | $1,216 | -$308 | -20.2% |
| Michigan | $2,644 | $1,120 | 73.5% |
| Minnesota | $1,276 | -$248 | -16.3% |
| Mississippi | $1,824 | $300 | 19.7% |
| Missouri | $1,350 | -$174 | -11.4% |
| Montana | $1,636 | $112 | 7.3% |
| Nebraska | $1,198 | -$326 | -21.4% |
| Nevada | $1,826 | $302 | 19.8% |
| New Hampshire | $1,098 | -$426 | -28.0% |
| New Jersey | $1,700 | $176 | 11.5% |
| New Mexico | $1,348 | -$176 | -11.5% |
| New York | $1,604 | $80 | 5.2% |
| North Carolina | $876 | -$648 | -42.5% |
| North Dakota | $1,248 | -$276 | -18.1% |
| Ohio | $1,052 | -$472 | -31.0% |
| Oklahoma | $1,562 | $38 | 2.5% |
| Oregon | $1,398 | -$126 | -8.3% |
| Pennsylvania | $1,450 | -$74 | -4.9% |
| Rhode Island | $2,030 | $506 | 33.2% |
| South Carolina | $1,380 | -$144 | -9.4% |
| South Dakota | $1,284 | -$240 | -15.7% |
| Tennessee | $1,334 | -$190 | -12.5% |
| Texas | $1,834 | $310 | 20.3% |
| Utah | $1,126 | -$398 | -26.1% |
| Vermont | $1,040 | -$484 | -31.8% |
| Virginia | $914 | -$610 | -40.0% |
| Washington | $1,174 | -$350 | -23.0% |
| West Virginia | $1,398 | -$126 | -8.3% |
| Wisconsin | $1,052 | -$472 | -31.0% |
| Wyoming | $1,354 | -$170 | -11.2% |
Choosing high deductibles could cut rates by as much as $780 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $222 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can be from 46% to 133% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Ioniq 6 | $382 | $714 | $264 | $1,470 |
Rates are averaged for all Hyundai Ioniq 6 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 Affordable Hyundai Ioniq 6 Insurance
Finding cheaper rates on insurance for a Hyundai Ioniq 6 requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The next list is a brief review of the data raised in the charts and tables above.
- Insureds who require increased levels of liability coverage will pay about $270 each year to increase from a 30/60 limit to 250/500 limits
- Drivers can save as much as $190 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $775 each year
- Drivers age 20 and younger are expensive to insure, costing up to $435 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,214 |
| 20 | $3,478 |
| 30 | $1,620 |
| 40 | $1,524 |
| 50 | $1,384 |
| 60 | $1,358 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,038 |
| $250 | $1,800 |
| $500 | $1,524 |
| $1,000 | $1,258 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,524 |
| 50/100 | $1,573 |
| 100/300 | $1,635 |
| 250/500 | $1,795 |
| 100 CSL | $1,598 |
| 300 CSL | $1,733 |
| 500 CSL | $1,832 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,536 |
| 20 | $5,528 |
| 30 | $3,388 |
| 40 | $3,280 |
| 50 | $3,120 |
| 60 | $3,092 |
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 | $85 |
| Multi-vehicle | $76 |
| Homeowner | $19 |
| 5-yr Accident Free | $125 |
| 5-yr Claim Free | $101 |
| Paid in Full/EFT | $80 |
| Advance Quote | $81 |
| Online Quote | $113 |
| Total Discounts | $680 |
Discounts are estimated and may not be available from every company or in every state.
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