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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The average auto insurance rates for a Hyundai Sonata Hybrid are $1,274 annually for full coverage. Comprehensive insurance costs an estimated $206, collision insurance costs $364, and liability coverage costs $524. Buying just liability costs as little as $580 a year, and insurance for high-risk drivers costs $2,766 or more. Teenage drivers cost the most to insure at up to $5,058 a year.

Average premium for full coverage: $1,274

Policy rates broken down by type of insurance:

Comprehensive $206
Collision $364
Liability $524

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Sonata Hybrid trim levels.

Price Range Variability

For a driver around age 40, Hyundai Sonata Hybrid insurance rates range from as cheap as $580 for just liability coverage to a much higher rate of $2,766 for high-risk insurance.

Liability Only $580
Full Coverage $1,274
High Risk $2,766

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $956
Small Cities $1,338
Large Cities $1,720

The examples above show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than using 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.

Detailed Rate Analysis

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

  • The best discount rate is $754
  • Drivers who choose higher $1,000 deductibles will pay approximately $128 a year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,274
  • Using more expensive low deductibles for comprehensive and collision insurance costs an additional $252 each year
  • High-risk insureds who are prone to accidents and violations could pay up to $2,766
  • Policy cost with full coverage for a teenage driver with full coverage can cost as much as $5,058 a year

View Chart as Image

Hyundai Sonata Hybrid insurance cost comparison chart
Column chart showing Hyundai Sonata Hybrid insurance prices range from $754 to $5,058 for full coverage

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

An older driver with a clean driving record and high physical damage deductibles may only pay around $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 at least $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 could be paying $1,500 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $380 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Hyundai Sonata Hybrid insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,820 on average in New York, Louisiana, and Michigan.

Hyundai Sonata Hybrid Insurance Rates by State
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%

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 $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 Buy the Right Hyundai Sonata Hybrid Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a quick rundown of the material that was covered above.

  • Consumers who want additional liability coverage will pay an extra $580 each year to go from a 30/60 limit to higher 250/500 limits
  • 16 to 18-year-old drivers are charged the highest rates, costing up to $422 each month including comprehensive and collision insurance
  • Drivers with reckless driving or DUI convictions may pay on average $1,490 more annually than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save up to $375 each year

Rates by Driver Age

Hyundai Sonata Hybrid Insurance 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

Hyundai Sonata Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,526
$250 $1,408
$500 $1,274
$1,000 $1,146

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Hybrid Insurance Rates with Different Liability Limits
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

Hyundai Sonata Hybrid Insurance 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.

SR-22 Surcharge $177

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
Rate after discounts $754

Discounts are estimated and may not be available from every company or in every state.

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