Hyundai Sonata Insurance Rates
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UPDATED: Dec 1, 2021
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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.
Average insurance rates for a Hyundai Sonata are $1,404 a year for full coverage. Comprehensive costs on average $260 a year, collision costs $494, and liability insurance costs $470. A liability-only policy costs as little as $536 a year, with high-risk insurance costing around $3,046. Teen drivers receive the highest rates at $5,394 a year or more.
Average premium for full coverage: $1,404
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Sonata trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $536 for only liability insurance to a high of $3,046 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.
Insurance Rate Analysis
The chart below shows estimated Hyundai Sonata insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $817
- Drivers who choose higher $1,000 deductibles will pay around $1,234 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,404
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,738
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,046 or more
- The cost for full coverage for a teen driver may cost $5,394 a year
for a Hyundai Sonata can also vary considerably based on your driver profile, the trim level of your Sonata, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,300 a year. View Rates by Age
Where you live makes a big difference in Hyundai Sonata insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,000 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,266 | -$138 | -9.8% |
Alaska | $1,078 | -$326 | -23.2% |
Arizona | $1,166 | -$238 | -17.0% |
Arkansas | $1,404 | -$0 | 0.0% |
California | $1,600 | $196 | 14.0% |
Colorado | $1,340 | -$64 | -4.6% |
Connecticut | $1,444 | $40 | 2.8% |
Delaware | $1,590 | $186 | 13.2% |
Florida | $1,756 | $352 | 25.1% |
Georgia | $1,296 | -$108 | -7.7% |
Hawaii | $1,008 | -$396 | -28.2% |
Idaho | $952 | -$452 | -32.2% |
Illinois | $1,044 | -$360 | -25.6% |
Indiana | $1,058 | -$346 | -24.6% |
Iowa | $948 | -$456 | -32.5% |
Kansas | $1,332 | -$72 | -5.1% |
Kentucky | $1,914 | $510 | 36.3% |
Louisiana | $2,078 | $674 | 48.0% |
Maine | $868 | -$536 | -38.2% |
Maryland | $1,158 | -$246 | -17.5% |
Massachusetts | $1,122 | -$282 | -20.1% |
Michigan | $2,436 | $1,032 | 73.5% |
Minnesota | $1,176 | -$228 | -16.2% |
Mississippi | $1,684 | $280 | 19.9% |
Missouri | $1,246 | -$158 | -11.3% |
Montana | $1,510 | $106 | 7.5% |
Nebraska | $1,106 | -$298 | -21.2% |
Nevada | $1,686 | $282 | 20.1% |
New Hampshire | $1,012 | -$392 | -27.9% |
New Jersey | $1,570 | $166 | 11.8% |
New Mexico | $1,242 | -$162 | -11.5% |
New York | $1,480 | $76 | 5.4% |
North Carolina | $808 | -$596 | -42.5% |
North Dakota | $1,148 | -$256 | -18.2% |
Ohio | $970 | -$434 | -30.9% |
Oklahoma | $1,440 | $36 | 2.6% |
Oregon | $1,286 | -$118 | -8.4% |
Pennsylvania | $1,338 | -$66 | -4.7% |
Rhode Island | $1,874 | $470 | 33.5% |
South Carolina | $1,274 | -$130 | -9.3% |
South Dakota | $1,186 | -$218 | -15.5% |
Tennessee | $1,228 | -$176 | -12.5% |
Texas | $1,692 | $288 | 20.5% |
Utah | $1,038 | -$366 | -26.1% |
Vermont | $962 | -$442 | -31.5% |
Virginia | $840 | -$564 | -40.2% |
Washington | $1,082 | -$322 | -22.9% |
West Virginia | $1,288 | -$116 | -8.3% |
Wisconsin | $972 | -$432 | -30.8% |
Wyoming | $1,250 | -$154 | -11.0% |
Choosing high deductibles could save up to $510 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $423 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
Hyundai Sonata SE 4-Dr Sedan | $1,446 | $121 |
Hyundai Sonata SE 4-Dr Sedan | $1,446 | $121 |
Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $124 |
Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $124 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
2018 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
2017 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
2016 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
2015 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
2014 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
2013 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
2012 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
2011 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
2010 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
2009 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
2008 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
2007 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
2006 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
2005 Hyundai Sonata | $136 | $168 | $510 | $994 |
2004 Hyundai Sonata | $126 | $160 | $504 | $970 |
2003 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 Cheaper Hyundai Sonata Insurance
Saving money on Hyundai Sonata insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $500 each year
- Drivers can save as much as $170 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $520 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $450 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,640 more each year for 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
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,394 |
20 | $3,258 |
30 | $1,454 |
40 | $1,404 |
50 | $1,284 |
60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,738 |
$250 | $1,584 |
$500 | $1,404 |
$1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,404 |
50/100 | $1,580 |
100/300 | $1,698 |
250/500 | $2,003 |
100 CSL | $1,627 |
300 CSL | $1,886 |
500 CSL | $2,074 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,672 |
20 | $5,188 |
30 | $3,102 |
40 | $3,046 |
50 | $2,910 |
60 | $2,884 |
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 | $73 |
Multi-vehicle | $75 |
Homeowner | $22 |
5-yr Accident Free | $100 |
5-yr Claim Free | $90 |
Paid in Full/EFT | $61 |
Advance Quote | $68 |
Online Quote | $98 |
Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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