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...
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UPDATED: May 20, 2024
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U.S. average insurance rates for a Hyundai Ioniq Hybrid are $1,352 a year for full coverage. Comprehensive insurance costs an estimated $262 each year, collision insurance costs $502, and liability coverage is estimated at $430. Liability-only insurance costs approximately $486 a year, and high-risk driver insurance costs $2,938 or more. Teen drivers pay the highest rates at up to $5,138 a year.
Average premium for full coverage: $1,352
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Ioniq Hybrid models.
Price Range from Low to High
For the average 40-year-old driver, Hyundai Ioniq Hybrid insurance prices range from as low as $486 for liability-only coverage to a high rate of $2,938 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas. The graphic below illustrates the difference location can make on insurance prices.
The ranges above show why all drivers should get quotes for a targeted area and risk profile, rather than using 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.
Additional Charts and Tables
The chart below shows average Hyundai Ioniq Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $776
- Choosing higher $1,000 deductibles can save approximately $172 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,352
- Choosing low deductibles for comp and collision coverage will cost an extra $338 each year
- Drivers with multiple violations and an at-fault accident could pay up to $2,938
- The price for full coverage for a teenage driver can cost as much as $5,138 each year
Car insurance prices for a Hyundai Ioniq Hybrid are also quite variable based on your driving record, the trim level of your Ioniq Hybrid, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $5,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Hyundai Ioniq Hybrid insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,930 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can save as much as $510 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 132% more than average. View High Risk Driver Rates
| 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 Find Affordable Hyundai Ioniq Hybrid Insurance
Getting lower rates on auto insurance takes being a good driver, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Make time to compare rates at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a brief review of the concepts that were touched on in this article.
- Drivers with DUI or reckless driving convictions pay an average of $1,590 more annually than a safer driver
- Drivers age 16 to 20 have the highest car insurance prices, with premiums as much as $428 a month if full coverage is included
- Drivers can save approximately $160 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $500 each year
- Drivers can save approximately $160 per year just by quoting online in advance
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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