Hyundai Ioniq Hybrid Insurance Rates
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UPDATED: May 20, 2024
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U.S. average insurance rates for a Hyundai Ioniq Hybrid are $1,370 a year with full coverage. Comprehensive insurance costs around $272, collision insurance costs $524, and liability coverage is estimated at $416. A policy with just liability insurance costs approximately $474 a year, and coverage for high-risk drivers costs $2,976 or more. 16-year-old drivers pay the highest rates at up to $5,174 a year.
Average premium for full coverage: $1,370
Price estimates for individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Ioniq Hybrid models.
Price Range from Low to High
For the average 40-year-old driver, Hyundai Ioniq Hybrid insurance prices range from the low end price of $474 for a discount liability-only rate to the much higher price of $2,976 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.
The ranges above demonstrate why everyone should get quotes for a specific zip code, rather than 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.
Rates by State, City, and Model
The chart below details average Hyundai Ioniq Hybrid insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $786
- Choosing higher $1,000 deductibles can save about $182 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,370
- Buying pricier low deductibles for comp and collision coverage will cost an additional $350 each year
- Drivers with multiple tickets or accidents could pay at least $2,976
- The price that insures a teenage driver for full coverage can be $5,174 each year
Insurance prices for a Hyundai Ioniq Hybrid are also quite variable based on the model of your Ioniq Hybrid, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,600 to $2,300 extra each year, depending on your age. Hyundai Ioniq Hybrid insurance for high-risk drivers ranges around 44% to 130% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $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 $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,850 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$130 | -9.5% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,560 | $190 | 13.9% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,410 | $40 | 2.9% |
| Delaware | $1,550 | $180 | 13.1% |
| Florida | $1,714 | $344 | 25.1% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $984 | -$386 | -28.2% |
| Idaho | $926 | -$444 | -32.4% |
| Illinois | $1,020 | -$350 | -25.5% |
| Indiana | $1,032 | -$338 | -24.7% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,304 | -$66 | -4.8% |
| Kentucky | $1,870 | $500 | 36.5% |
| Louisiana | $2,028 | $658 | 48.0% |
| Maine | $844 | -$526 | -38.4% |
| Maryland | $1,130 | -$240 | -17.5% |
| Massachusetts | $1,096 | -$274 | -20.0% |
| Michigan | $2,380 | $1,010 | 73.7% |
| Minnesota | $1,146 | -$224 | -16.4% |
| Mississippi | $1,642 | $272 | 19.9% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,080 | -$290 | -21.2% |
| Nevada | $1,642 | $272 | 19.9% |
| New Hampshire | $988 | -$382 | -27.9% |
| New Jersey | $1,530 | $160 | 11.7% |
| New Mexico | $1,212 | -$158 | -11.5% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $790 | -$580 | -42.3% |
| North Dakota | $1,120 | -$250 | -18.2% |
| Ohio | $948 | -$422 | -30.8% |
| Oklahoma | $1,408 | $38 | 2.8% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,826 | $456 | 33.3% |
| South Carolina | $1,240 | -$130 | -9.5% |
| South Dakota | $1,158 | -$212 | -15.5% |
| Tennessee | $1,200 | -$170 | -12.4% |
| Texas | $1,652 | $282 | 20.6% |
| Utah | $1,016 | -$354 | -25.8% |
| Vermont | $938 | -$432 | -31.5% |
| Virginia | $822 | -$548 | -40.0% |
| Washington | $1,060 | -$310 | -22.6% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $948 | -$422 | -30.8% |
| Wyoming | $1,220 | -$150 | -10.9% |
Opting for high physical damage deductibles can save as much as $540 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Hyundai Ioniq Hybrid | $272 | $524 | $416 | $1,370 |
| 2021 Hyundai Ioniq Hybrid | $262 | $502 | $430 | $1,352 |
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 More Affordable Hyundai Ioniq Hybrid Insurance
Getting lower rates on auto insurance takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.
The following items are a summary of the data that was touched on in this article.
- You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
- Consumers who may need additional liability coverage will pay around $460 every year to raise limits from a low limit to the 250/500 level
- 16 to 18-year-old drivers pay higher prices, costing up to $431 a month if full coverage is included
- Drivers who have multiple accidents or major violations may pay on average $1,610 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,174 |
| 20 | $3,180 |
| 30 | $1,428 |
| 40 | $1,370 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,720 |
| $250 | $1,558 |
| $500 | $1,370 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,453 |
| 100/300 | $1,557 |
| 250/500 | $1,828 |
| 100 CSL | $1,495 |
| 300 CSL | $1,724 |
| 500 CSL | $1,890 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,376 |
| 20 | $5,066 |
| 30 | $3,038 |
| 40 | $2,976 |
| 50 | $2,842 |
| 60 | $2,816 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $584 |
Discounts are estimated and may not be available from every company or in every state.
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