Hyundai Sonata Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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.

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:

Comprehensive $260
Collision $494
Liability $470

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.

Liability Only $536
Full Coverage $1,404
High Risk $3,046

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.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

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

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing full coverage Hyundai Sonata insurance rates range from $817 to $5,394

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.

Hyundai Sonata Insurance Rates by State
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%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

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

Hyundai Sonata Insurance Rates by Model and Trim Level
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.

Hyundai Sonata Insurance Rates by Model Year
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

  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 $5,394
20 $3,258
30 $1,454
40 $1,404
50 $1,284
60 $1,262

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,738
$250 $1,584
$500 $1,404
$1,000 $1,234

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
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

Hyundai Sonata Insurance 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.

SR-22 Surcharge $196

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
Rate after discounts $817

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

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