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: Mar 31, 2024

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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.

U.S. average insurance prices for a Hyundai Sonata are $1,412 every 12 months including full coverage. Comprehensive insurance costs approximately $280 a year, collision insurance costs $512, and liability costs around $440. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs $3,050 or more. Teen drivers pay the highest rates at up to $5,348 a year.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Comprehensive $280
Collision $512
Liability $440

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Sonata trim levels.

Price Range from Low to High

For a driver around age 40, Hyundai Sonata insurance prices range from the cheapest price of $510 for liability-only coverage to a high of $3,050 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,412
High Risk $3,050

Geographic Price Range

Where you live can have significant affects on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,059
Small Cities $1,483
Large Cities $1,906

The ranges above highlight why it is important to compare prices using their specific location and their own driving history, instead of 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 Charts and Tables

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

  • The lowest rate with discounts is $821
  • Using higher $1,000 deductibles will save $1,232 every year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,412
  • Choosing low $100 deductibles for physical damage coverage costs an extra $348 every year
  • Drivers with multiple violations and an at-fault accident could pay around $3,050
  • The price to insure a teen driver can cost $5,348 or more

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing Hyundai Sonata insurance prices range from $821 to $5,348 for full coverage

Car insurance prices for a Hyundai Sonata are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Sonata.

Choosing high deductibles could cut prices by as much as $530 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $396 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 134% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Hyundai Sonata insurance prices. A driver around age 40 might see prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

Hyundai Sonata Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,276 -$136 -9.6%
Alaska $1,084 -$328 -23.2%
Arizona $1,172 -$240 -17.0%
Arkansas $1,412 -$0 0.0%
California $1,608 $196 13.9%
Colorado $1,346 -$66 -4.7%
Connecticut $1,450 $38 2.7%
Delaware $1,598 $186 13.2%
Florida $1,764 $352 24.9%
Georgia $1,304 -$108 -7.6%
Hawaii $1,012 -$400 -28.3%
Idaho $956 -$456 -32.3%
Illinois $1,050 -$362 -25.6%
Indiana $1,066 -$346 -24.5%
Iowa $954 -$458 -32.4%
Kansas $1,340 -$72 -5.1%
Kentucky $1,924 $512 36.3%
Louisiana $2,090 $678 48.0%
Maine $874 -$538 -38.1%
Maryland $1,166 -$246 -17.4%
Massachusetts $1,126 -$286 -20.3%
Michigan $2,452 $1,040 73.7%
Minnesota $1,180 -$232 -16.4%
Mississippi $1,692 $280 19.8%
Missouri $1,254 -$158 -11.2%
Montana $1,518 $106 7.5%
Nebraska $1,114 -$298 -21.1%
Nevada $1,692 $280 19.8%
New Hampshire $1,018 -$394 -27.9%
New Jersey $1,580 $168 11.9%
New Mexico $1,248 -$164 -11.6%
New York $1,488 $76 5.4%
North Carolina $814 -$598 -42.4%
North Dakota $1,156 -$256 -18.1%
Ohio $974 -$438 -31.0%
Oklahoma $1,448 $36 2.5%
Oregon $1,294 -$118 -8.4%
Pennsylvania $1,346 -$66 -4.7%
Rhode Island $1,884 $472 33.4%
South Carolina $1,278 -$134 -9.5%
South Dakota $1,192 -$220 -15.6%
Tennessee $1,236 -$176 -12.5%
Texas $1,700 $288 20.4%
Utah $1,044 -$368 -26.1%
Vermont $968 -$444 -31.4%
Virginia $844 -$568 -40.2%
Washington $1,088 -$324 -22.9%
West Virginia $1,294 -$118 -8.4%
Wisconsin $976 -$436 -30.9%
Wyoming $1,258 -$154 -10.9%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

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 $1,370 $114
Hyundai Sonata GLS 4-Dr Sedan $1,370 $114
Hyundai Sonata GLS 4-Dr Sedan $1,370 $114
Hyundai Sonata SE 4-Dr Sedan $1,456 $121
Hyundai Sonata SE 4-Dr Sedan $1,456 $121
Hyundai Sonata Limited 4-Dr Sedan $1,496 $125
Hyundai Sonata Limited 4-Dr Sedan $1,496 $125

Rates assume 2023 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
2024 Hyundai Sonata $294 $532 $420 $1,426
2023 Hyundai Sonata $280 $512 $440 $1,412
2022 Hyundai Sonata $270 $506 $450 $1,406
2021 Hyundai Sonata $260 $494 $470 $1,404
2020 Hyundai Sonata $250 $474 $486 $1,390
2019 Hyundai Sonata $238 $458 $500 $1,376
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

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 Shop for the Best Hyundai Sonata Insurance

Getting lower rates on car insurance requires being a low-risk driver, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Set aside time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a brief recap of the car insurance concepts covered above.

  • Higher risk drivers who tend to receive serious violations could be charged and average of $1,640 more per year to insure their Sonata
  • You may be able to save around $170 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $525 each year
  • Policyholders who purchase more liability coverage will pay about $480 per year to increase from a low limit to a 250/500 level

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 $5,348
20 $3,262
30 $1,466
40 $1,412
50 $1,290
60 $1,266

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,760
$250 $1,600
$500 $1,412
$1,000 $1,232

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,412
50/100 $1,584
100/300 $1,694
250/500 $1,980
100 CSL $1,628
300 CSL $1,870
500 CSL $2,046

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Insurance Rates for High Risk Drivers
Age Premium
16 $7,610
20 $5,186
30 $3,110
40 $3,050
50 $2,912
60 $2,886

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 $74
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $90
Paid in Full/EFT $63
Advance Quote $69
Online Quote $99
Total Discounts $591
Rate after discounts $821

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

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