Hyundai Sonata Hybrid Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 15, 2024

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Average insurance rates for a Hyundai Sonata Hybrid are $1,256 a year for full coverage insurance. Comprehensive costs an estimated $202, collision costs $340, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing around $2,720. Teens receive the highest rates at $5,004 a year or more.

Average premium for full coverage: $1,256

Rate estimates broken down by individual coverage type:

Comprehensive $202
Collision $340
Liability $534

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different Sonata Hybrid trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $588 for minimum levels of liability insurance to a much higher rate of $2,720 for a high-risk driver policy.

Liability Only $588
Full Coverage $1,256
High Risk $2,720

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

These examples illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying on averaged prices.

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 Details

The chart below illustrates estimated Hyundai Sonata Hybrid insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $746
  • Choosing higher $1,000 deductibles can save approximately $124 each year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,256
  • Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,492
  • High-risk insureds with serious driving violations could pay up to $2,720 or more
  • The cost for full coverage for a teen driver with full coverage can cost as much as $5,004 each year

View Chart as Image

Hyundai Sonata Hybrid insurance cost comparison chart
Column chart showing full coverage Hyundai Sonata Hybrid insurance rates range from $746 to $5,004

Auto insurance rates for a Hyundai Sonata Hybrid can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Hyundai Sonata Hybrid insurance rates. A good driver about age 40 could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,690 on average in Florida, New York, and Michigan.

Hyundai Sonata Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,134 -$122 -9.7%
Alaska $962 -$294 -23.4%
Arizona $1,044 -$212 -16.9%
Arkansas $1,256 -$0 0.0%
California $1,430 $174 13.9%
Colorado $1,196 -$60 -4.8%
Connecticut $1,290 $34 2.7%
Delaware $1,420 $164 13.1%
Florida $1,570 $314 25.0%
Georgia $1,160 -$96 -7.6%
Hawaii $900 -$356 -28.3%
Idaho $850 -$406 -32.3%
Illinois $932 -$324 -25.8%
Indiana $948 -$308 -24.5%
Iowa $848 -$408 -32.5%
Kansas $1,192 -$64 -5.1%
Kentucky $1,712 $456 36.3%
Louisiana $1,858 $602 47.9%
Maine $776 -$480 -38.2%
Maryland $1,036 -$220 -17.5%
Massachusetts $1,004 -$252 -20.1%
Michigan $2,178 $922 73.4%
Minnesota $1,052 -$204 -16.2%
Mississippi $1,504 $248 19.7%
Missouri $1,114 -$142 -11.3%
Montana $1,348 $92 7.3%
Nebraska $992 -$264 -21.0%
Nevada $1,506 $250 19.9%
New Hampshire $906 -$350 -27.9%
New Jersey $1,406 $150 11.9%
New Mexico $1,110 -$146 -11.6%
New York $1,322 $66 5.3%
North Carolina $724 -$532 -42.4%
North Dakota $1,030 -$226 -18.0%
Ohio $866 -$390 -31.1%
Oklahoma $1,288 $32 2.5%
Oregon $1,150 -$106 -8.4%
Pennsylvania $1,196 -$60 -4.8%
Rhode Island $1,674 $418 33.3%
South Carolina $1,138 -$118 -9.4%
South Dakota $1,060 -$196 -15.6%
Tennessee $1,096 -$160 -12.7%
Texas $1,512 $256 20.4%
Utah $930 -$326 -26.0%
Vermont $860 -$396 -31.5%
Virginia $752 -$504 -40.1%
Washington $968 -$288 -22.9%
West Virginia $1,152 -$104 -8.3%
Wisconsin $868 -$388 -30.9%
Wyoming $1,118 -$138 -11.0%

View Chart as Image

Hyundai Sonata Hybrid insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $360 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates can be significantly different from one company to the next.

Hyundai Sonata Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Sonata Hybrid $306 $600 $440 $1,526
2023 Hyundai Sonata Hybrid $294 $596 $450 $1,520
2022 Hyundai Sonata Hybrid $284 $582 $470 $1,516
2021 Hyundai Sonata Hybrid $274 $558 $486 $1,498
2020 Hyundai Sonata Hybrid $260 $538 $500 $1,478
2019 Hyundai Sonata Hybrid $250 $500 $510 $1,440
2018 Hyundai Sonata Hybrid $240 $470 $514 $1,404
2015 Hyundai Sonata Hybrid $206 $364 $524 $1,274
2014 Hyundai Sonata Hybrid $202 $340 $534 $1,256
2013 Hyundai Sonata Hybrid $186 $316 $534 $1,216

Rates are averaged for all Hyundai Sonata 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 Cheap Hyundai Sonata Hybrid Insurance

Saving money on Hyundai Sonata Hybrid insurance takes having a decent driving record, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a brief summary of the information touched on in the above illustrations.

  • It is possible to save approximately $140 per year simply by shopping early and online
  • 16 to 18-year-old drivers are the costliest to insure, costing up to $417 per month if they have full coverage
  • Increasing deductibles can save around $350 each year
  • High-risk drivers that tend to have accidents or serious violations pay on average $1,460 more annually than a driver with a clean driving record
  • Drivers who want additional liability coverage will pay approximately $590 annually to raise limits from a minimum limit to 250/500 limits

Rates by Driver Age

Hyundai Sonata Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,004
20 $2,900
30 $1,284
40 $1,256
50 $1,154
60 $1,130

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,382
$500 $1,256
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,256
50/100 $1,363
100/300 $1,496
250/500 $1,843
100 CSL $1,416
300 CSL $1,710
500 CSL $1,924

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,080
20 $4,626
30 $2,752
40 $2,720
50 $2,602
60 $2,576

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $82
5-yr Claim Free $80
Paid in Full/EFT $49
Advance Quote $58
Online Quote $86
Total Discounts $510
Rate after discounts $746

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

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