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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U.S. average auto insurance rates for a Hyundai Sonata Hybrid are $1,256 annually for full coverage insurance. Comprehensive insurance costs around $202 a year, collision insurance costs $340, and liability is $534. A policy with just liability insurance costs around $588 a year, and coverage for high-risk drivers costs $2,720 or more. Teenage drivers pay the highest rates at up to $5,004 a year.

Average premium for full coverage: $1,256

Price estimates for individual coverage:

Comprehensive $202
Collision $340
Liability $534

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Sonata Hybrid trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Hyundai Sonata Hybrid insurance prices range from as cheap as $588 for your basic liability-only policy to a high of $2,720 for coverage for higher-risk drivers.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance rates.

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

The ranges above illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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 Information

The chart below illustrates average Hyundai Sonata Hybrid insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $746
  • Raising to $1,000 deductibles will save about $1,132 each year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,256
  • Using low $100 deductibles costs an additional $236 annually
  • Drivers who are prone to accidents and violations could pay at least $2,720
  • The price with full coverage for a 16-year-old driver can be $5,004

View Chart as Image

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

Insurance prices for a Hyundai Sonata Hybrid are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $360 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Hyundai Sonata Hybrid insurance prices. A middle-age driver might find prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,690 on average in Michigan, New York, and Florida.

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
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 Buy the Best Hyundai Sonata Hybrid Insurance

Getting lower rates on insurance for a Hyundai Sonata Hybrid consists of having a good driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief recap of the primary concepts that were touched on in the above illustrations.

  • It is possible to save up to $140 per year just by quoting early and online
  • Drivers considered higher risk who tend to receive serious violations pay on average $1,460 more every year to buy Hyundai Sonata Hybrid insurance
  • Increasing physical damage deductibles could save up to $350 each year
  • Drivers age 20 and younger pay higher prices, as much as $417 a month including comprehensive and collision insurance

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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