Hyundai Ioniq Hybrid Insurance Rates
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Michelle Robbins
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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 prices for a Hyundai Ioniq Hybrid are $1,352 every 12 months including full coverage. Comprehensive costs around $262, collision insurance costs $502, and liability is estimated at $430. Liability-only coverage costs approximately $486 a year, and high-risk coverage costs around $2,938. Teenage drivers pay the highest rates at up to $5,138 a year.
Average premium for full coverage: $1,352
Price estimates for individual coverage:
Price estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Ioniq Hybrid models.
Price Range from Low to High
For a driver in their 40's, Hyundai Ioniq Hybrid insurance prices range from the cheapest price of $486 for basic liability insurance to the much higher price of $2,938 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.
The ranges above highlight why everyone should get quotes for a specific zip code and their own driving history, instead of 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.
Rate Comparisons
The chart below breaks down average Hyundai Ioniq Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $776
- Choosing higher $1,000 deductibles can save about $172 every year
- The average price for the average middle-age driver using $500 deductibles is $1,352
- Using pricier low deductibles for comp and collision coverage increases the price to $1,690
- Unlucky drivers who are prone to accidents and violations could pay at least $2,938
- The price to insure a teen driver for full coverage can be $5,138 each year
Auto insurance prices for a Hyundai Ioniq Hybrid are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can save as much as $510 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have 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 are likely paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Hyundai Ioniq Hybrid insurance for high-risk drivers ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Hyundai Ioniq Hybrid insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,930 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Cheaper Hyundai Ioniq Hybrid Insurance
Getting lower rates on car insurance takes not taking risks behind the wheel, having a good credit score, being claim-free, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a condensed summary of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,590 more every year for Ioniq Hybrid insurance
- You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $500 each year
- Policyholders who may need higher liability limits will pay an extra $470 per year to raise limits from a low limit to a 250/500 level
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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