Hyundai Sonata Hybrid Insurance Rates
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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:
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.
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.
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
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.
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% |
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
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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