Hyundai Sonata Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Dec 1, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 prices for a Hyundai Sonata are $1,404 every 12 months for full coverage. Comprehensive insurance costs an estimated $260, collision costs $494, and liability coverage is $470. Buying just liability costs around $536 a year, with insurance for high-risk drivers costing $3,046 or more. Teens receive the highest rates at $5,394 a year or more.
Average premium for full coverage: $1,404
Rate estimates broken down by individual coverage type:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Sonata models.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $536 for your basic liability-only policy to the much higher price of $3,046 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion.
The example below illustrates how location impacts insurance prices.
These examples show why everyone should compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.
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.
More Rate Information
The chart below shows estimated Hyundai Sonata insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $817
- Raising to $1,000 deductibles will save approximately $170 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,404
- Selecting pricier low deductibles costs an extra $334 each year
- Unlucky drivers with serious driving violations could pay up to $3,046 or more
- The cost to insure a teenage driver for full coverage can cost as much as $5,394
Auto insurance rates for a Hyundai Sonata can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $510 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $423 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,700 to $2,300 in extra premium per year, depending on your age. Hyundai Sonata insurance for high-risk drivers is expensive and can cost around 43% to 135% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Hyundai Sonata insurance rates. A middle-age driver might find rates as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,000 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates can be significantly different.
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 Shop for Low Cost Hyundai Sonata Insurance
Saving money on auto insurance consists of being a good driver, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Spend time shopping around once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a review of the data that was touched on above.
- Drivers can save approximately $170 per year simply by quoting online well ahead of the renewal date
- Consumers who want an increased level of liability coverage will pay approximately $520 each year to raise from a minimum limit to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, costing as high as $450 per month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations pay on average $1,640 more annually than a safer driver
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
