Hyundai Sonata Hybrid Insurance Rates

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

Average premium for full coverage: $1,256

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Sonata Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $746
• Raising to $1,000 deductibles will save approximately $124 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,256
• Using low deductibles will cost an additional $236 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,720 or more
• Policy cost that insures a teen driver can cost as much as $5,004

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may 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 will be charged at least $5,000 a year. View Rates by Age

Your home state also has a big influence on Hyundai Sonata Hybrid insurance prices. A middle-age driver might find rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,790 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $360 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

How to Find the Best Cheap Hyundai Sonata Hybrid Insurance

Finding cheaper rates on car insurance consists of being a good driver, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a quick review of the ideas that were illustrated above.

• Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $417 each month if full coverage is purchased
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,460 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• You may be able to save approximately $140 per year simply by quoting online in advance