Hyundai Sonata 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: Dec 1, 2021

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Hyundai Sonata insurance
How much does a Hyundai Sonata cost to insure? The average annual cost for Hyundai Sonata insurance is $1,426 a year, or $118 a month. Read our guide to learn what drivers can do to save on Hyundai Sonatas, whether its 2016 or 2015 Hyundai Sonata insurance rates.

Enter your ZIP code in our free tool above to get started on finding the best Hyundai Sonata insurance costs.

The average insurance rates for a Hyundai Sonata are $1,390 a year for full coverage insurance. Comprehensive insurance costs approximately $250, collision insurance costs $474, and liability coverage costs $486. Liability-only insurance costs as little as $548 a year, and high-risk driver insurance costs $3,016 or more. Teen drivers cost the most to insure at up to $5,372 a year.

Average premium for full coverage: $1,390

Policy rates by type of insurance:

Comprehensive $250
Collision $474
Liability $486

Includes $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Sonata trim levels.

Price Range Variability

For a 40-year-old driver, Hyundai Sonata insurance rates range from the low end price of $548 for the bare minimum liability coverage to a much higher rate of $3,016 for a driver that may need high-risk insurance.

Liability Only $548
Full Coverage $1,390
High Risk $3,016

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how your location can change auto insurance prices.

Rural Areas $1,043
Small Cities $1,460
Large Cities $1,877

The examples above illustrate why anyone shopping for car insurance should compare rates using their specific location, rather than using 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.

Additional Rate Information

The chart below illustrates average Hyundai Sonata insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $809
  • Drivers who choose higher $1,000 deductibles will pay $164 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,390
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $322 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay around $3,016
  • Policy cost that insures a teenage driver with full coverage can cost $5,372 a year

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing Hyundai Sonata insurance prices range from $809 to $5,372 for full coverage

Auto insurance rates for a Hyundai Sonata also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can cost around 43% to 136% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state makes a big difference in Hyundai Sonata insurance rates. A 40-year-old driver could pay as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,880 on average in Florida, New York, and Michigan.

Hyundai Sonata Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,254 -$136 -9.8%
Alaska $1,066 -$324 -23.3%
Arizona $1,154 -$236 -17.0%
Arkansas $1,390 -$0 0.0%
California $1,582 $192 13.8%
Colorado $1,326 -$64 -4.6%
Connecticut $1,426 $36 2.6%
Delaware $1,572 $182 13.1%
Florida $1,738 $348 25.0%
Georgia $1,284 -$106 -7.6%
Hawaii $996 -$394 -28.3%
Idaho $942 -$448 -32.2%
Illinois $1,034 -$356 -25.6%
Indiana $1,050 -$340 -24.5%
Iowa $938 -$452 -32.5%
Kansas $1,318 -$72 -5.2%
Kentucky $1,894 $504 36.3%
Louisiana $2,058 $668 48.1%
Maine $858 -$532 -38.3%
Maryland $1,148 -$242 -17.4%
Massachusetts $1,108 -$282 -20.3%
Michigan $2,412 $1,022 73.5%
Minnesota $1,162 -$228 -16.4%
Mississippi $1,666 $276 19.9%
Missouri $1,230 -$160 -11.5%
Montana $1,494 $104 7.5%
Nebraska $1,096 -$294 -21.2%
Nevada $1,666 $276 19.9%
New Hampshire $1,002 -$388 -27.9%
New Jersey $1,554 $164 11.8%
New Mexico $1,230 -$160 -11.5%
New York $1,462 $72 5.2%
North Carolina $800 -$590 -42.4%
North Dakota $1,140 -$250 -18.0%
Ohio $960 -$430 -30.9%
Oklahoma $1,426 $36 2.6%
Oregon $1,272 -$118 -8.5%
Pennsylvania $1,324 -$66 -4.7%
Rhode Island $1,852 $462 33.2%
South Carolina $1,262 -$128 -9.2%
South Dakota $1,174 -$216 -15.5%
Tennessee $1,214 -$176 -12.7%
Texas $1,672 $282 20.3%
Utah $1,026 -$364 -26.2%
Vermont $952 -$438 -31.5%
Virginia $830 -$560 -40.3%
Washington $1,072 -$318 -22.9%
West Virginia $1,272 -$118 -8.5%
Wisconsin $962 -$428 -30.8%
Wyoming $1,238 -$152 -10.9%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

Choosing high deductibles could save up to $490 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $438 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Hyundai Sonata Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Sonata GLS 4-Dr Sedan $1,352 $113
Hyundai Sonata GLS 4-Dr Sedan $1,352 $113
Hyundai Sonata GLS 4-Dr Sedan $1,352 $113
Hyundai Sonata SE 4-Dr Sedan $1,430 $119
Hyundai Sonata SE 4-Dr Sedan $1,430 $119
Hyundai Sonata Limited 4-Dr Sedan $1,470 $123
Hyundai Sonata Limited 4-Dr Sedan $1,470 $123

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Hyundai Sonata Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Hyundai Sonata $250 $474 $486 $1,390
2018 Hyundai Sonata $228 $424 $510 $1,342
2017 Hyundai Sonata $218 $400 $514 $1,312
2016 Hyundai Sonata $210 $358 $520 $1,268
2015 Hyundai Sonata $196 $330 $520 $1,226
2014 Hyundai Sonata $190 $310 $524 $1,204
2013 Hyundai Sonata $184 $288 $534 $1,186
2012 Hyundai Sonata $172 $268 $534 $1,154
2011 Hyundai Sonata $166 $244 $540 $1,130
2010 Hyundai Sonata $156 $222 $534 $1,092
2009 Hyundai Sonata $146 $202 $534 $1,062
2008 Hyundai Sonata $142 $182 $530 $1,034
2007 Hyundai Sonata $140 $178 $520 $1,018
2006 Hyundai Sonata $136 $168 $510 $994
2005 Hyundai Sonata $126 $160 $504 $970
2004 Hyundai Sonata $120 $152 $500 $952

Rates are averaged for all Hyundai Sonata 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 Cheapest Hyundai Sonata Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Shop around once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a recap of the data that was illustrated above.

  • It is possible to save around $160 per year just by shopping early and online
  • Consumers who purchase increased levels of liability coverage will pay about $540 annually to go from a 30/60 limit to the 250/500 level
  • Drivers age 20 and younger have the highest car insurance rates, possibly costing $448 each month if the policy includes full coverage
  • Drivers that have major violations or accidents could be charged and average of $1,630 more per year to buy Hyundai Sonata insurance

Quotes will help you save on Hyundai Sonatas, regardless of whether you’re searching for 2012, 2009, or 2006 Hyundai Sonata trim levels or the cheapest Hyundai 2016 rates.

To find out what is the insurance cost of a Hyundai Sonata, enter your ZIP code in our free tool below.

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What are the safety ratings of the Hyundai Sonata?

The Hyundai Sonata has some great safety features that can help reduce rates, such as brake assist, electronic stability control, traction control, lane departure warning, and lane-keeping assist. However, Hyundai Sonatas that are old may not have as many safety features.

The Insurance Institute for Highway Safety (IIHS) gave the Hyundai Sonata a 2020 Top Safety Pick award for its crash test ratings (below).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating. The video below shows how the IIHS tested the Hyundai Sonata.

Hyundai Sonata Compared Against Other Vehicles in the Same Class

How much for a Hyundai Sonata liability insurance plan? This will partly depend on the liability insurance losses. The Hyundai Sonata is a midsize car, and the IIHS found that in comparison to other midsize cars, the Hyundai Sonata’s liability losses are substantially worse than average.

To understand just how much Hyundai Sonata’s insurance rates differ from other midsize car’s rates, take a look at the midsize cars below.

Frequently Asked Questions

  • Are Hyundai Sonata expensive to repair? According to RepairPal, “The average total annual cost for repairs and maintenance on a Hyundai Sonata is $458, compared to an average of $526 for midsize cars and $652 for all vehicle models.”
  • How much is a fully loaded Hyundai Sonata? It would cost you $33,300.

Remember to shop around for Hyundai Sonata insurance rates to save on everything from Hyundai Sonata costs for a 2015 model to Hyundai gap claims. Enter your ZIP code in our free tool to get started.

References

  1. https://www.iihs.org/ratings/vehicle/hyundai/sonata-4-door-sedan/2020

Rates by Driver Age

Hyundai Sonata Insurance Rates by Driver Age
Driver Age Premium
16 $5,372
20 $3,224
30 $1,436
40 $1,390
50 $1,274
60 $1,248

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,712
$250 $1,562
$500 $1,390
$1,000 $1,226

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,390
50/100 $1,567
100/300 $1,689
250/500 $2,005
100 CSL $1,616
300 CSL $1,883
500 CSL $2,078

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Insurance Rates for High Risk Drivers
Age Premium
16 $7,634
20 $5,136
30 $3,068
40 $3,016
50 $2,880
60 $2,856

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 $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $98
5-yr Claim Free $89
Paid in Full/EFT $60
Advance Quote $67
Online Quote $97
Total Discounts $581
Rate after discounts $809

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

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