Hyundai Sonata Insurance Rates
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UPDATED: Mar 31, 2024
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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 $1,412 a year for full coverage insurance. Comprehensive insurance costs an estimated $280, collision costs $512, and liability costs around $440. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $3,050 or more. 16-year-old drivers cost the most to insure at $5,348 a year or more.
Average premium for full coverage: $1,412
Policy rates broken down by type of insurance:
These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Sonata models.
Price Range Variability
For a driver in their 40's, Hyundai Sonata insurance rates go from as low as $510 for just liability coverage to the much higher price of $3,050 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities.
The example below illustrates how location helps determine insurance prices.
The examples above illustrate why everyone should compare prices for a targeted area and risk profile, instead of 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.
Detailed Rate Analysis
The chart below illustrates estimated Hyundai Sonata insurance rates for other coverage scenarios.
- The best full coverage rate is $821
- Using higher $1,000 deductibles will save approximately $180 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,412
- Buying pricier low deductibles for physical damage coverage will cost an extra $348 every year
- Drivers with multiple tickets or accidents could pay up to $3,050 or more
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,348 or more
Insurance rates for a Hyundai Sonata also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age
Your home state has a huge impact on Hyundai Sonata insurance prices. A driver around age 40 might see rates as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,910 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$136 | -9.6% |
| Alaska | $1,084 | -$328 | -23.2% |
| Arizona | $1,172 | -$240 | -17.0% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,346 | -$66 | -4.7% |
| Connecticut | $1,450 | $38 | 2.7% |
| Delaware | $1,598 | $186 | 13.2% |
| Florida | $1,764 | $352 | 24.9% |
| Georgia | $1,304 | -$108 | -7.6% |
| Hawaii | $1,012 | -$400 | -28.3% |
| Idaho | $956 | -$456 | -32.3% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,066 | -$346 | -24.5% |
| Iowa | $954 | -$458 | -32.4% |
| Kansas | $1,340 | -$72 | -5.1% |
| Kentucky | $1,924 | $512 | 36.3% |
| Louisiana | $2,090 | $678 | 48.0% |
| Maine | $874 | -$538 | -38.1% |
| Maryland | $1,166 | -$246 | -17.4% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,452 | $1,040 | 73.7% |
| Minnesota | $1,180 | -$232 | -16.4% |
| Mississippi | $1,692 | $280 | 19.8% |
| Missouri | $1,254 | -$158 | -11.2% |
| Montana | $1,518 | $106 | 7.5% |
| Nebraska | $1,114 | -$298 | -21.1% |
| Nevada | $1,692 | $280 | 19.8% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,580 | $168 | 11.9% |
| New Mexico | $1,248 | -$164 | -11.6% |
| New York | $1,488 | $76 | 5.4% |
| North Carolina | $814 | -$598 | -42.4% |
| North Dakota | $1,156 | -$256 | -18.1% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,448 | $36 | 2.5% |
| Oregon | $1,294 | -$118 | -8.4% |
| Pennsylvania | $1,346 | -$66 | -4.7% |
| Rhode Island | $1,884 | $472 | 33.4% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,192 | -$220 | -15.6% |
| Tennessee | $1,236 | -$176 | -12.5% |
| Texas | $1,700 | $288 | 20.4% |
| Utah | $1,044 | -$368 | -26.1% |
| Vermont | $968 | -$444 | -31.4% |
| Virginia | $844 | -$568 | -40.2% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,294 | -$118 | -8.4% |
| Wisconsin | $976 | -$436 | -30.9% |
| Wyoming | $1,258 | -$154 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $530 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $396 more per 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 probably paying $1,700 to $2,300 extra every year, depending on your age. Hyundai Sonata insurance for high-risk drivers can be as much as 43% to 134% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata SE 4-Dr Sedan | $1,456 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,456 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,496 | $125 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,496 | $125 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| 2023 Hyundai Sonata | $280 | $512 | $440 | $1,412 |
| 2022 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2021 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2020 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2019 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2018 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2017 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2016 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2015 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2014 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2013 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2012 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2011 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2010 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2009 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2008 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2007 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2006 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2005 Hyundai Sonata | $126 | $160 | $504 | $970 |
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 Cheap Hyundai Sonata Insurance
Finding cheaper rates on car insurance requires being safe and accident-free, maintaining good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a brief summary of the material that was covered in the charts and tables above.
- Policyholders who want more liability protection will pay around $480 annually to increase from a 30/60 limit to 250/500 limits
- Youthful drivers are charged the highest rates, possibly costing $446 each month for full coverage
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,640 more annually than a low-risk driver
- Increasing comprehensive and collision deductibles can save around $525 each year
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,348 |
| 20 | $3,262 |
| 30 | $1,466 |
| 40 | $1,412 |
| 50 | $1,290 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,760 |
| $250 | $1,600 |
| $500 | $1,412 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,584 |
| 100/300 | $1,694 |
| 250/500 | $1,980 |
| 100 CSL | $1,628 |
| 300 CSL | $1,870 |
| 500 CSL | $2,046 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,610 |
| 20 | $5,186 |
| 30 | $3,110 |
| 40 | $3,050 |
| 50 | $2,912 |
| 60 | $2,886 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $591 |
Discounts are estimated and may not be available from every company or in every state.
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