Hyundai Sonata Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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The average auto insurance rates for a Hyundai Sonata Hybrid are $1,256 annually for full coverage insurance. Comprehensive insurance costs on average $202 each year, collision costs $340, and liability costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,720 or more. Teens cost the most to insure at $5,004 a year or more.
Average premium for full coverage: $1,256
Policy rates by type of insurance:
Prices are based on $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Sonata Hybrid models.
Price Range Variability
For the average 40-year-old driver, Hyundai Sonata Hybrid insurance rates go from as cheap as $588 for a discount liability-only rate to a high rate of $2,720 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on car insurance rates.
The examples above illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using 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.
Rates by State, City, and Model
The chart below illustrates estimated Hyundai Sonata Hybrid insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $746
- Drivers who choose higher $1,000 deductibles will pay around $124 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,256
- Selecting low deductibles for comprehensive and collision insurance costs an additional $236 every year
- Higher-risk drivers with serious driving violations could pay upwards of $2,720 or more
- Policy cost with full coverage for a teen driver may cost $5,004 a year
Insurance rates for a Hyundai Sonata Hybrid also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $360 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Hyundai Sonata Hybrid insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,690 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, so the rates will be varied between companies.
| 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 Buy Affordable Hyundai Sonata Hybrid Insurance
Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and bundling your home and auto policies. Make time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a brief review of the data that was touched on in this article.
- It is possible to save as much as $140 per year simply by quoting online in advance
- Policyholders who require higher liability limits will pay approximately $590 annually to go from a 30/60 limit to higher 250/500 limits
- Teens pay the highest rates, possibly costing $417 each month including comprehensive and collision insurance
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,460 more each year for Sonata Hybrid insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,382 |
| $500 | $1,256 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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