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.
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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,712 |
$250 | $1,562 |
$500 | $1,390 |
$1,000 | $1,226 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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