Hyundai Sonata Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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Average insurance rates for a Hyundai Sonata Hybrid are $1,256 a year with full coverage. Comprehensive costs approximately $202 each year, collision insurance costs $340, and liability costs $534. A liability-only policy costs as little as $588 a year, and high-risk insurance costs around $2,720. Teen drivers receive the highest rates at up to $5,004 a year.
Average premium for full coverage: $1,256
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Sonata Hybrid models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $588 for just liability insurance to a high rate of $2,720 for a high-risk driver policy.
Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.
These examples demonstrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on price 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 details average Hyundai Sonata Hybrid insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $746
- Drivers who choose higher $1,000 deductibles will pay $124 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,256
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,492
- Drivers with multiple violations and an at-fault accident could pay around $2,720
- The cost for full coverage for a 16-year-old driver can cost $5,004 a year
Insurance rates for a Hyundai Sonata Hybrid can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age
Where you live makes a big difference in Hyundai Sonata Hybrid insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,690 on average in New York, Michigan, 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% |
Choosing high deductibles could save up to $360 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 133% more than average. View High Risk Driver Rates
| 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
Saving money on insurance for a Hyundai Sonata Hybrid not only requires avoiding accidents and claims, but also maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The points below are a quick review of the information touched on in the above illustrations.
- You may be able to save around $140 per year just by quoting online in advance
- Drivers under the age of 20 are expensive to insure, with premiums as much as $417 per month for full coverage
- Increasing deductibles can save around $350 each year
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,460 more per year to insure a Hyundai Sonata Hybrid
- Insureds who purchase increased liability limits will pay about $590 every year to go from a minimum limit to 250/500 limits
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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