Hyundai Ioniq Hybrid Insurance Rates
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UPDATED: May 20, 2024
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Average insurance rates for a Hyundai Ioniq Hybrid are $1,374 a year with full coverage. Comprehensive costs on average $282, collision costs $536, and liability is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing around $2,982. Teenage drivers receive the highest rates at $5,156 a year or more.
Average premium for full coverage: $1,374
Rate estimates by individual coverage type:
Estimates include $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different Ioniq Hybrid trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $460 for a discount liability-only rate to a much higher rate of $2,982 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities.
The price range example below illustrates how geographic area affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below details estimated Hyundai Ioniq Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $790
- Raising to $1,000 deductibles will save around $186 annually
- The estimated price for a 40-year-old driver with $500 deductibles is $1,374
- Using more expensive low deductibles bumps up the cost to $1,736
- Drivers who are prone to accidents and violations could pay upwards of $2,982 or more
- The cost that insures a 16-year-old driver with full coverage may cost $5,156
Auto insurance rates for a Hyundai Ioniq Hybrid can also vary considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,100 a year. View Rates by Age
Where you live also has a big influence on Hyundai Ioniq Hybrid insurance prices. A middle-age driver might find rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,860 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,242 | -$132 | -9.6% |
| Alaska | $1,056 | -$318 | -23.1% |
| Arizona | $1,142 | -$232 | -16.9% |
| Arkansas | $1,374 | -$0 | 0.0% |
| California | $1,568 | $194 | 14.1% |
| Colorado | $1,312 | -$62 | -4.5% |
| Connecticut | $1,416 | $42 | 3.1% |
| Delaware | $1,556 | $182 | 13.2% |
| Florida | $1,720 | $346 | 25.2% |
| Georgia | $1,270 | -$104 | -7.6% |
| Hawaii | $988 | -$386 | -28.1% |
| Idaho | $930 | -$444 | -32.3% |
| Illinois | $1,026 | -$348 | -25.3% |
| Indiana | $1,034 | -$340 | -24.7% |
| Iowa | $928 | -$446 | -32.5% |
| Kansas | $1,308 | -$66 | -4.8% |
| Kentucky | $1,876 | $502 | 36.5% |
| Louisiana | $2,034 | $660 | 48.0% |
| Maine | $850 | -$524 | -38.1% |
| Maryland | $1,132 | -$242 | -17.6% |
| Massachusetts | $1,100 | -$274 | -19.9% |
| Michigan | $2,390 | $1,016 | 73.9% |
| Minnesota | $1,152 | -$222 | -16.2% |
| Mississippi | $1,648 | $274 | 19.9% |
| Missouri | $1,220 | -$154 | -11.2% |
| Montana | $1,476 | $102 | 7.4% |
| Nebraska | $1,084 | -$290 | -21.1% |
| Nevada | $1,650 | $276 | 20.1% |
| New Hampshire | $990 | -$384 | -27.9% |
| New Jersey | $1,538 | $164 | 11.9% |
| New Mexico | $1,220 | -$154 | -11.2% |
| New York | $1,448 | $74 | 5.4% |
| North Carolina | $792 | -$582 | -42.4% |
| North Dakota | $1,126 | -$248 | -18.0% |
| Ohio | $950 | -$424 | -30.9% |
| Oklahoma | $1,412 | $38 | 2.8% |
| Oregon | $1,260 | -$114 | -8.3% |
| Pennsylvania | $1,312 | -$62 | -4.5% |
| Rhode Island | $1,836 | $462 | 33.6% |
| South Carolina | $1,248 | -$126 | -9.2% |
| South Dakota | $1,160 | -$214 | -15.6% |
| Tennessee | $1,204 | -$170 | -12.4% |
| Texas | $1,658 | $284 | 20.7% |
| Utah | $1,018 | -$356 | -25.9% |
| Vermont | $940 | -$434 | -31.6% |
| Virginia | $822 | -$552 | -40.2% |
| Washington | $1,064 | -$310 | -22.6% |
| West Virginia | $1,260 | -$114 | -8.3% |
| Wisconsin | $952 | -$422 | -30.7% |
| Wyoming | $1,224 | -$150 | -10.9% |
Using high physical damage deductibles can reduce rates by up to $550 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Hyundai Ioniq Hybrid | $282 | $536 | $398 | $1,374 |
| 2021 Hyundai Ioniq Hybrid | $272 | $524 | $416 | $1,370 |
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 Low Cost Hyundai Ioniq Hybrid Insurance
Saving money on insurance for a Hyundai Ioniq Hybrid consists of having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a review of the coverage data presented in the illustrations above.
- You may be able to save as much as $170 per year simply by shopping early and online
- Increasing deductibles can save approximately $550 each year
- Drivers age 20 and younger are charged the highest rates, with premiums as much as $430 per month if the policy includes full coverage
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,610 more each year to buy Hyundai Ioniq Hybrid insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,156 |
| 20 | $3,190 |
| 30 | $1,436 |
| 40 | $1,374 |
| 50 | $1,258 |
| 60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,736 |
| $250 | $1,568 |
| $500 | $1,374 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,374 |
| 50/100 | $1,454 |
| 100/300 | $1,553 |
| 250/500 | $1,812 |
| 100 CSL | $1,493 |
| 300 CSL | $1,712 |
| 500 CSL | $1,872 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,356 |
| 20 | $5,072 |
| 30 | $3,046 |
| 40 | $2,982 |
| 50 | $2,846 |
| 60 | $2,822 |
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 | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 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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