Hyundai Sonata Insurance Rates

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UPDATED: Mar 31, 2024

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Hyundai Sonata insurance
How much does a Hyundai Sonata cost to insure? The average annual cost for Hyundai Sonata insurance is $1,426 a year, or $118 a month. Read our guide to learn what drivers can do to save on Hyundai Sonatas, whether its 2016 or 2015 Hyundai Sonata insurance rates.

Enter your ZIP code in our free tool above to get started on finding the best Hyundai Sonata insurance costs.

The average insurance rates for a Hyundai Sonata are $1,406 a year including full coverage. Comprehensive costs an estimated $270 each year, collision costs $506, and liability insurance is $450. Liability-only insurance costs around $518 a year, with high-risk driver insurance costing around $3,044. 16-year-old drivers cost the most to insure at $5,364 a year or more.

Average premium for full coverage: $1,406

Policy rates broken down by type of insurance:

Comprehensive $270
Collision $506
Liability $450

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sonata models.

Price Range Variability

For the average 40-year-old driver, Hyundai Sonata insurance rates go from as low as $518 for just the minimum liability insurance to a high rate of $3,044 for a high-risk driver policy.

Liability Only $518
Full Coverage $1,406
High Risk $3,044

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $1,055
Small Cities $1,476
Large Cities $1,898

The examples above highlight 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 Analysis

The chart below breaks down estimated Hyundai Sonata insurance rates for other coverage scenarios.

  • The best full coverage rate is $818
  • Raising to $1,000 deductibles will save approximately $176 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,406
  • Buying low deductibles will increase the cost to $1,748
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,044 or more
  • Policy cost for full coverage for a teen driver can cost as much as $5,364

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing full coverage Hyundai Sonata insurance rates range from $818 to $5,364

Auto insurance rates for a Hyundai Sonata also range considerably based on your risk profile, the model of your Sonata, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $5,300 a year. View Rates by Age

Your home state also has a big influence on Hyundai Sonata insurance rates. A middle-age driver might find rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,010 on average in Louisiana, New York, and Michigan.

Hyundai Sonata Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,272 -$134 -9.5%
Alaska $1,078 -$328 -23.3%
Arizona $1,168 -$238 -16.9%
Arkansas $1,406 -$0 0.0%
California $1,602 $196 13.9%
Colorado $1,340 -$66 -4.7%
Connecticut $1,442 $36 2.6%
Delaware $1,592 $186 13.2%
Florida $1,758 $352 25.0%
Georgia $1,298 -$108 -7.7%
Hawaii $1,010 -$396 -28.2%
Idaho $954 -$452 -32.1%
Illinois $1,046 -$360 -25.6%
Indiana $1,060 -$346 -24.6%
Iowa $948 -$458 -32.6%
Kansas $1,336 -$70 -5.0%
Kentucky $1,918 $512 36.4%
Louisiana $2,080 $674 47.9%
Maine $868 -$538 -38.3%
Maryland $1,160 -$246 -17.5%
Massachusetts $1,124 -$282 -20.1%
Michigan $2,440 $1,034 73.5%
Minnesota $1,178 -$228 -16.2%
Mississippi $1,686 $280 19.9%
Missouri $1,246 -$160 -11.4%
Montana $1,510 $104 7.4%
Nebraska $1,108 -$298 -21.2%
Nevada $1,686 $280 19.9%
New Hampshire $1,014 -$392 -27.9%
New Jersey $1,572 $166 11.8%
New Mexico $1,244 -$162 -11.5%
New York $1,482 $76 5.4%
North Carolina $810 -$596 -42.4%
North Dakota $1,150 -$256 -18.2%
Ohio $970 -$436 -31.0%
Oklahoma $1,442 $36 2.6%
Oregon $1,286 -$120 -8.5%
Pennsylvania $1,340 -$66 -4.7%
Rhode Island $1,874 $468 33.3%
South Carolina $1,276 -$130 -9.2%
South Dakota $1,188 -$218 -15.5%
Tennessee $1,230 -$176 -12.5%
Texas $1,692 $286 20.3%
Utah $1,042 -$364 -25.9%
Vermont $962 -$444 -31.6%
Virginia $842 -$564 -40.1%
Washington $1,086 -$320 -22.8%
West Virginia $1,288 -$118 -8.4%
Wisconsin $972 -$434 -30.9%
Wyoming $1,254 -$152 -10.8%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $520 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $405 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Hyundai Sonata Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Sonata GLS 4-Dr Sedan $1,364 $114
Hyundai Sonata GLS 4-Dr Sedan $1,364 $114
Hyundai Sonata GLS 4-Dr Sedan $1,364 $114
Hyundai Sonata SE 4-Dr Sedan $1,448 $121
Hyundai Sonata SE 4-Dr Sedan $1,448 $121
Hyundai Sonata Limited 4-Dr Sedan $1,490 $124
Hyundai Sonata Limited 4-Dr Sedan $1,490 $124

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Hyundai Sonata Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Sonata $280 $512 $440 $1,412
2023 Hyundai Sonata $270 $506 $450 $1,406
2022 Hyundai Sonata $260 $494 $470 $1,404
2021 Hyundai Sonata $250 $474 $486 $1,390
2020 Hyundai Sonata $238 $458 $500 $1,376
2019 Hyundai Sonata $228 $424 $510 $1,342
2018 Hyundai Sonata $218 $400 $514 $1,312
2017 Hyundai Sonata $210 $358 $520 $1,268
2016 Hyundai Sonata $196 $330 $520 $1,226
2015 Hyundai Sonata $190 $310 $524 $1,204
2014 Hyundai Sonata $184 $288 $534 $1,186
2013 Hyundai Sonata $172 $268 $534 $1,154
2012 Hyundai Sonata $166 $244 $540 $1,130
2011 Hyundai Sonata $156 $222 $534 $1,092
2010 Hyundai Sonata $146 $202 $534 $1,062
2009 Hyundai Sonata $142 $182 $530 $1,034
2008 Hyundai Sonata $140 $178 $520 $1,018
2007 Hyundai Sonata $136 $168 $510 $994
2006 Hyundai Sonata $126 $160 $504 $970
2005 Hyundai Sonata $120 $152 $500 $952

Rates are averaged for all Hyundai Sonata 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 the Right Hyundai Sonata Insurance

Finding cheaper rates on Hyundai Sonata insurance consists of avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick rundown of the information touched on in this article.

  • You may be able to save approximately $170 per year simply by quoting online in advance
  • Drivers under the age of 20 are the costliest to insure, with premiums being up to $447 each month if they have full coverage
  • Increasing comprehensive and collision deductibles can save around $525 each year
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,640 more annually to insure a Hyundai Sonata
  • Drivers who want increased liability limits will pay around $500 per year to raise from a 30/60 limit to 250/500 limits

Quotes will help you save on Hyundai Sonatas, regardless of whether you’re searching for 2012, 2009, or 2006 Hyundai Sonata trim levels or the cheapest Hyundai 2016 rates.

To find out what is the insurance cost of a Hyundai Sonata, enter your ZIP code in our free tool below.

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What are the safety ratings of the Hyundai Sonata?

The Hyundai Sonata has some great safety features that can help reduce rates, such as brake assist, electronic stability control, traction control, lane departure warning, and lane-keeping assist. However, Hyundai Sonatas that are old may not have as many safety features.

The Insurance Institute for Highway Safety (IIHS) gave the Hyundai Sonata a 2020 Top Safety Pick award for its crash test ratings (below).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating. The video below shows how the IIHS tested the Hyundai Sonata.

Hyundai Sonata Compared Against Other Vehicles in the Same Class

How much for a Hyundai Sonata liability insurance plan? This will partly depend on the liability insurance losses. The Hyundai Sonata is a midsize car, and the IIHS found that in comparison to other midsize cars, the Hyundai Sonata’s liability losses are substantially worse than average.

To understand just how much Hyundai Sonata’s insurance rates differ from other midsize car’s rates, take a look at the midsize cars below.

Frequently Asked Questions

  • Are Hyundai Sonata expensive to repair? According to RepairPal, “The average total annual cost for repairs and maintenance on a Hyundai Sonata is $458, compared to an average of $526 for midsize cars and $652 for all vehicle models.”
  • How much is a fully loaded Hyundai Sonata? It would cost you $33,300.

Remember to shop around for Hyundai Sonata insurance rates to save on everything from Hyundai Sonata costs for a 2015 model to Hyundai gap claims. Enter your ZIP code in our free tool to get started.

References

  1. https://www.iihs.org/ratings/vehicle/hyundai/sonata-4-door-sedan/2020

Rates by Driver Age

Hyundai Sonata Insurance Rates by Driver Age
Driver Age Premium
16 $5,364
20 $3,260
30 $1,460
40 $1,406
50 $1,286
60 $1,262

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,590
$500 $1,406
$1,000 $1,230

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,406
50/100 $1,580
100/300 $1,693
250/500 $1,985
100 CSL $1,625
300 CSL $1,873
500 CSL $2,053

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Insurance Rates for High Risk Drivers
Age Premium
16 $7,628
20 $5,184
30 $3,104
40 $3,044
50 $2,908
60 $2,882

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.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $90
Paid in Full/EFT $62
Advance Quote $68
Online Quote $98
Total Discounts $588
Rate after discounts $818

Discounts are estimated and may not be available from every company or in every state.

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