Hyundai Sonata Hybrid Insurance Rates

The average insurance rates for a Hyundai Sonata Hybrid are $1,256 a year with full coverage. Comprehensive costs an estimated $202 each year, collision insurance costs $340, and liability insurance is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs around $2,720. Teenage drivers cost the most to insure at up to $5,004 a year.

Average premium for full coverage: $1,256

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Sonata Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why all drivers should compare rates quotes for a targeted area, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details average Hyundai Sonata Hybrid insurance rates for other coverage scenarios.

• The best discount rate is $746
• Raising to $1,000 deductibles will save approximately $124 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,256
• Using low deductibles bumps up the cost to $1,492
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,720
• Policy cost that insures a teen driver can cost as much as $5,004

View Chart as Image

Insurance rates for a Hyundai Sonata Hybrid also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age

Your home state also has a big influence on Hyundai Sonata Hybrid insurance rates. A middle-age driver might find rates as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,690 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $360 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Hyundai Sonata Hybrid Insurance

Finding cheaper rates on Hyundai Sonata Hybrid insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every year by getting quotes from direct companies, and also from insurance agencies where you live.

The points below are a quick rundown of the coverage data covered above.

• You may be able to save approximately $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers under the age of 20 are expensive to insure, as much as $417 each month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,460 more annually to insure a Hyundai Sonata Hybrid