Hyundai Sonata Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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The average insurance rates for a Hyundai Sonata Hybrid are $1,274 a year including full coverage. Comprehensive insurance costs approximately $206 a year, collision insurance costs $364, and liability insurance is $524. A liability-only policy costs around $580 a year, and high-risk insurance costs $2,766 or more. 16-year-old drivers cost the most to insure at up to $5,058 a year.
Average premium for full coverage: $1,274
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Sonata Hybrid trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Hyundai Sonata Hybrid insurance rates range from the low end price of $580 for just liability insurance to a high of $2,766 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above highlight why it is important to compare rates quotes using their specific location, rather than relying on 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.
More Rate Details
The chart below breaks down average Hyundai Sonata Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $754
- Raising to $1,000 deductibles will save $1,146 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,274
- Buying low $100 deductibles will cost an additional $252 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,766
- Policy cost that insures a teen driver can cost $5,058
Car insurance rates for a Hyundai Sonata Hybrid also range considerably based on the trim level of your Sonata Hybrid, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations 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 highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $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 $980 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,820 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,150 | -$124 | -9.7% |
| Alaska | $976 | -$298 | -23.4% |
| Arizona | $1,060 | -$214 | -16.8% |
| Arkansas | $1,274 | -$0 | 0.0% |
| California | $1,452 | $178 | 14.0% |
| Colorado | $1,218 | -$56 | -4.4% |
| Connecticut | $1,310 | $36 | 2.8% |
| Delaware | $1,444 | $170 | 13.3% |
| Florida | $1,594 | $320 | 25.1% |
| Georgia | $1,178 | -$96 | -7.5% |
| Hawaii | $912 | -$362 | -28.4% |
| Idaho | $864 | -$410 | -32.2% |
| Illinois | $948 | -$326 | -25.6% |
| Indiana | $962 | -$312 | -24.5% |
| Iowa | $860 | -$414 | -32.5% |
| Kansas | $1,210 | -$64 | -5.0% |
| Kentucky | $1,738 | $464 | 36.4% |
| Louisiana | $1,886 | $612 | 48.0% |
| Maine | $788 | -$486 | -38.1% |
| Maryland | $1,050 | -$224 | -17.6% |
| Massachusetts | $1,018 | -$256 | -20.1% |
| Michigan | $2,214 | $940 | 73.8% |
| Minnesota | $1,068 | -$206 | -16.2% |
| Mississippi | $1,528 | $254 | 19.9% |
| Missouri | $1,130 | -$144 | -11.3% |
| Montana | $1,368 | $94 | 7.4% |
| Nebraska | $1,006 | -$268 | -21.0% |
| Nevada | $1,530 | $256 | 20.1% |
| New Hampshire | $920 | -$354 | -27.8% |
| New Jersey | $1,426 | $152 | 11.9% |
| New Mexico | $1,128 | -$146 | -11.5% |
| New York | $1,342 | $68 | 5.3% |
| North Carolina | $736 | -$538 | -42.2% |
| North Dakota | $1,046 | -$228 | -17.9% |
| Ohio | $878 | -$396 | -31.1% |
| Oklahoma | $1,306 | $32 | 2.5% |
| Oregon | $1,168 | -$106 | -8.3% |
| Pennsylvania | $1,214 | -$60 | -4.7% |
| Rhode Island | $1,700 | $426 | 33.4% |
| South Carolina | $1,158 | -$116 | -9.1% |
| South Dakota | $1,074 | -$200 | -15.7% |
| Tennessee | $1,116 | -$158 | -12.4% |
| Texas | $1,536 | $262 | 20.6% |
| Utah | $942 | -$332 | -26.1% |
| Vermont | $872 | -$402 | -31.6% |
| Virginia | $762 | -$512 | -40.2% |
| Washington | $984 | -$290 | -22.8% |
| West Virginia | $1,170 | -$104 | -8.2% |
| Wisconsin | $884 | -$390 | -30.6% |
| Wyoming | $1,136 | -$138 | -10.8% |
Opting for high physical damage deductibles can reduce rates by up to $380 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata Hybrid | $322 | $626 | $420 | $1,548 |
| 2023 Hyundai Sonata Hybrid | $306 | $600 | $440 | $1,526 |
| 2022 Hyundai Sonata Hybrid | $294 | $596 | $450 | $1,520 |
| 2021 Hyundai Sonata Hybrid | $284 | $582 | $470 | $1,516 |
| 2020 Hyundai Sonata Hybrid | $274 | $558 | $486 | $1,498 |
| 2019 Hyundai Sonata Hybrid | $260 | $538 | $500 | $1,478 |
| 2018 Hyundai Sonata Hybrid | $250 | $500 | $510 | $1,440 |
| 2015 Hyundai Sonata Hybrid | $214 | $388 | $520 | $1,302 |
| 2014 Hyundai Sonata Hybrid | $206 | $364 | $524 | $1,274 |
| 2013 Hyundai Sonata Hybrid | $202 | $340 | $534 | $1,256 |
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 the Best Cheap Hyundai Sonata Hybrid Insurance
Finding cheaper rates on Hyundai Sonata Hybrid insurance consists of avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Comparison shop at every other renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
The list below is a quick review of the concepts that were raised in the charts and tables above.
- High-risk drivers with a DUI or reckless driving violation will likely pay on average $1,490 more per year for car insurance
- Teenagers pay the highest auto insurance rates, with premiums being up to $422 each month if full coverage is purchased
- You may be able to save around $150 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $375 each year
- You may be able to save around $150 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,058 |
| 20 | $2,950 |
| 30 | $1,308 |
| 40 | $1,274 |
| 50 | $1,172 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,526 |
| $250 | $1,408 |
| $500 | $1,274 |
| $1,000 | $1,146 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,274 |
| 50/100 | $1,379 |
| 100/300 | $1,510 |
| 250/500 | $1,850 |
| 100 CSL | $1,431 |
| 300 CSL | $1,719 |
| 500 CSL | $1,929 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,164 |
| 20 | $4,708 |
| 30 | $2,798 |
| 40 | $2,766 |
| 50 | $2,644 |
| 60 | $2,620 |
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 | $66 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $88 |
| Total Discounts | $520 |
Discounts are estimated and may not be available from every company or in every state.
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