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 rates for a Hyundai Ioniq Hybrid are $1,352 a year for full coverage insurance. Comprehensive insurance costs an estimated $262 each year, collision insurance costs $502, and liability insurance is $430. Liability-only insurance costs around $486 a year, and high-risk driver insurance costs $2,938 or more. 16-year-old 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:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Ioniq Hybrid models.
Price Range from Low to High
For a 40-year-old driver, Hyundai Ioniq Hybrid insurance prices range from as low as $486 for the bare minimum liability coverage to a high rate of $2,938 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how your location can change insurance prices.
The ranges above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on 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 Information
The chart below illustrates average Hyundai Ioniq Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $776
- Raising to $1,000 deductibles will save approximately $172 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,352
- Buying low deductibles will cost an extra $338 a year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,938
- The price for full coverage for a teen driver can cost as much as $5,138
Car insurance prices for a Hyundai Ioniq Hybrid are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles could pay as little as $1,300 every 12 months 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 also has a big influence on Hyundai Ioniq Hybrid insurance rates. A middle-age driver might find prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,830 on average in Florida, New York, 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% |
Opting for high physical damage deductibles can reduce prices by up to $510 each year, whereas increasing liability limits will increase premiums. Switching 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 are probably paying $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than the average rate. 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 Cheap Hyundai Ioniq Hybrid Insurance
Getting lower rates on Hyundai Ioniq Hybrid insurance consists of having a good driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Invest the time to shop around at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a brief summary of the concepts that were illustrated above.
- High-risk drivers that tend to have accidents or serious violations pay on average $1,590 more annually to buy Hyundai Ioniq Hybrid insurance
- Drivers age 20 and younger have the highest car insurance prices, as much as $428 a month if full coverage is included
- It is possible to save approximately $160 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $500 each year
- It is possible to 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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