Hyundai Ioniq Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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U.S. average insurance prices for a Hyundai Ioniq Hybrid are $1,352 every 12 months with full coverage. Comprehensive insurance costs around $262 a year, collision costs $502, and liability coverage is $430. A policy with just liability insurance costs around $486 a year, with coverage for high-risk drivers costing $2,938 or more. Teenage drivers pay the highest rates at $5,138 a year or more.
Average premium for full coverage: $1,352
Price estimates for individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Ioniq Hybrid trim levels.
Price Range from Low to High
For a driver in their 40's, Hyundai Ioniq Hybrid insurance prices go from the cheapest price of $486 for just the minimum liability insurance to a high of $2,938 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have more infrequent collision claims than densely populated cities.
The diagram below illustrates how location helps determine auto insurance rates.
The ranges above demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using average rates.
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 details estimated Hyundai Ioniq Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $776
- Raising to $1,000 deductibles will save about $1,180 annually
- The average price for the average middle-age driver using $500 deductibles is $1,352
- Using low $100 deductibles costs an extra $338 each year
- Unlucky drivers who are prone to accidents and violations could pay at least $2,938 or more
- The price to insure a teenage driver can be $5,138
Insurance prices for a Hyundai Ioniq Hybrid are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Using high physical damage deductibles can reduce prices by up to $510 a year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Hyundai Ioniq Hybrid insurance rates. A middle-age driver might find prices as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,830 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,224 | -$128 | -9.5% |
| Alaska | $1,038 | -$314 | -23.2% |
| Arizona | $1,122 | -$230 | -17.0% |
| Arkansas | $1,352 | -$0 | 0.0% |
| California | $1,542 | $190 | 14.1% |
| Colorado | $1,292 | -$60 | -4.4% |
| Connecticut | $1,392 | $40 | 3.0% |
| Delaware | $1,532 | $180 | 13.3% |
| Florida | $1,692 | $340 | 25.1% |
| Georgia | $1,248 | -$104 | -7.7% |
| Hawaii | $970 | -$382 | -28.3% |
| Idaho | $914 | -$438 | -32.4% |
| Illinois | $1,008 | -$344 | -25.4% |
| Indiana | $1,018 | -$334 | -24.7% |
| Iowa | $912 | -$440 | -32.5% |
| Kansas | $1,286 | -$66 | -4.9% |
| Kentucky | $1,844 | $492 | 36.4% |
| Louisiana | $2,000 | $648 | 47.9% |
| Maine | $834 | -$518 | -38.3% |
| Maryland | $1,114 | -$238 | -17.6% |
| Massachusetts | $1,082 | -$270 | -20.0% |
| Michigan | $2,350 | $998 | 73.8% |
| Minnesota | $1,132 | -$220 | -16.3% |
| Mississippi | $1,618 | $266 | 19.7% |
| Missouri | $1,202 | -$150 | -11.1% |
| Montana | $1,454 | $102 | 7.5% |
| Nebraska | $1,066 | -$286 | -21.2% |
| Nevada | $1,620 | $268 | 19.8% |
| New Hampshire | $976 | -$376 | -27.8% |
| New Jersey | $1,512 | $160 | 11.8% |
| New Mexico | $1,196 | -$156 | -11.5% |
| New York | $1,424 | $72 | 5.3% |
| North Carolina | $780 | -$572 | -42.3% |
| North Dakota | $1,106 | -$246 | -18.2% |
| Ohio | $934 | -$418 | -30.9% |
| Oklahoma | $1,388 | $36 | 2.7% |
| Oregon | $1,238 | -$114 | -8.4% |
| Pennsylvania | $1,290 | -$62 | -4.6% |
| Rhode Island | $1,804 | $452 | 33.4% |
| South Carolina | $1,224 | -$128 | -9.5% |
| South Dakota | $1,142 | -$210 | -15.5% |
| Tennessee | $1,186 | -$166 | -12.3% |
| Texas | $1,630 | $278 | 20.6% |
| Utah | $1,002 | -$350 | -25.9% |
| Vermont | $926 | -$426 | -31.5% |
| Virginia | $810 | -$542 | -40.1% |
| Washington | $1,046 | -$306 | -22.6% |
| West Virginia | $1,238 | -$114 | -8.4% |
| Wisconsin | $938 | -$414 | -30.6% |
| Wyoming | $1,204 | -$148 | -10.9% |
Since prices can be so different, the best way to find out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Hyundai Ioniq Hybrid | $262 | $502 | $430 | $1,352 |
| 2021 Hyundai Ioniq Hybrid | $248 | $484 | $442 | $1,332 |
Rates are averaged for all Hyundai Ioniq Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Hyundai Ioniq Hybrid Insurance
Getting lower rates on auto insurance consists of avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a summary of the primary concepts that were covered in the charts and tables above.
- You may be able to save up to $160 per year simply by quoting early and online
- Drivers who have multiple accidents or major violations pay on average $1,590 more every year for car insurance
- Increasing physical damage deductibles could save as much as $500 each year
- Teenagers pay higher prices, costing up to $428 a month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,138 |
| 20 | $3,138 |
| 30 | $1,404 |
| 40 | $1,352 |
| 50 | $1,238 |
| 60 | $1,214 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,690 |
| $250 | $1,532 |
| $500 | $1,352 |
| $1,000 | $1,180 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,352 |
| 50/100 | $1,438 |
| 100/300 | $1,546 |
| 250/500 | $1,825 |
| 100 CSL | $1,481 |
| 300 CSL | $1,718 |
| 500 CSL | $1,890 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,320 |
| 20 | $5,000 |
| 30 | $2,996 |
| 40 | $2,938 |
| 50 | $2,806 |
| 60 | $2,782 |
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 | $72 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $96 |
| Total Discounts | $576 |
Discounts are estimated and may not be available from every company or in every state.
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