Hyundai Sonata Insurance Rates
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UPDATED: Mar 31, 2024
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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.
U.S. average insurance prices for a Hyundai Sonata are $1,426 every 12 months including full coverage. Comprehensive costs an estimated $294, collision costs $532, and liability coverage costs around $420. Liability-only coverage costs as low as $494 a year, with high-risk coverage costing around $3,076. Teens pay the highest rates at $5,356 a year or more.
Average premium for full coverage: $1,426
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Sonata trim levels.
Price Range from Low to High
For a driver around age 40, Hyundai Sonata insurance prices go from the cheapest price of $494 for liability-only coverage to a much higher rate of $3,076 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare prices 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.
Additional Charts and Tables
The chart below breaks down estimated Hyundai Sonata insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $829
- Using higher $1,000 deductibles will save approximately $188 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,426
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,790
- Higher-risk drivers with serious driving violations could pay up to $3,076 or more
- The price to insure a teenage driver with full coverage can cost as much as $5,356 or more
Auto insurance prices for a Hyundai Sonata are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $560 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $378 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $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 $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can be around 43% to 133% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Hyundai Sonata insurance rates. A driver around age 40 might see prices as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,030 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,288 | -$138 | -9.7% |
| Alaska | $1,094 | -$332 | -23.3% |
| Arizona | $1,186 | -$240 | -16.8% |
| Arkansas | $1,426 | -$0 | 0.0% |
| California | $1,626 | $200 | 14.0% |
| Colorado | $1,360 | -$66 | -4.6% |
| Connecticut | $1,464 | $38 | 2.7% |
| Delaware | $1,614 | $188 | 13.2% |
| Florida | $1,784 | $358 | 25.1% |
| Georgia | $1,318 | -$108 | -7.6% |
| Hawaii | $1,024 | -$402 | -28.2% |
| Idaho | $968 | -$458 | -32.1% |
| Illinois | $1,062 | -$364 | -25.5% |
| Indiana | $1,076 | -$350 | -24.5% |
| Iowa | $962 | -$464 | -32.5% |
| Kansas | $1,354 | -$72 | -5.0% |
| Kentucky | $1,946 | $520 | 36.5% |
| Louisiana | $2,112 | $686 | 48.1% |
| Maine | $882 | -$544 | -38.1% |
| Maryland | $1,176 | -$250 | -17.5% |
| Massachusetts | $1,138 | -$288 | -20.2% |
| Michigan | $2,474 | $1,048 | 73.5% |
| Minnesota | $1,194 | -$232 | -16.3% |
| Mississippi | $1,708 | $282 | 19.8% |
| Missouri | $1,266 | -$160 | -11.2% |
| Montana | $1,532 | $106 | 7.4% |
| Nebraska | $1,124 | -$302 | -21.2% |
| Nevada | $1,710 | $284 | 19.9% |
| New Hampshire | $1,030 | -$396 | -27.8% |
| New Jersey | $1,594 | $168 | 11.8% |
| New Mexico | $1,260 | -$166 | -11.6% |
| New York | $1,502 | $76 | 5.3% |
| North Carolina | $822 | -$604 | -42.4% |
| North Dakota | $1,168 | -$258 | -18.1% |
| Ohio | $984 | -$442 | -31.0% |
| Oklahoma | $1,464 | $38 | 2.7% |
| Oregon | $1,308 | -$118 | -8.3% |
| Pennsylvania | $1,358 | -$68 | -4.8% |
| Rhode Island | $1,904 | $478 | 33.5% |
| South Carolina | $1,294 | -$132 | -9.3% |
| South Dakota | $1,204 | -$222 | -15.6% |
| Tennessee | $1,248 | -$178 | -12.5% |
| Texas | $1,716 | $290 | 20.3% |
| Utah | $1,056 | -$370 | -25.9% |
| Vermont | $978 | -$448 | -31.4% |
| Virginia | $852 | -$574 | -40.3% |
| Washington | $1,100 | -$326 | -22.9% |
| West Virginia | $1,308 | -$118 | -8.3% |
| Wisconsin | $988 | -$438 | -30.7% |
| Wyoming | $1,270 | -$156 | -10.9% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Sonata GLS 4-Dr Sedan | $1,380 | $115 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,380 | $115 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,380 | $115 |
| Hyundai Sonata SE 4-Dr Sedan | $1,470 | $123 |
| Hyundai Sonata SE 4-Dr Sedan | $1,470 | $123 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,516 | $126 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,516 | $126 |
Rates assume 2024 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 |
|---|---|---|---|---|
| 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 Affordable Hyundai Sonata Insurance
Getting lower rates on auto insurance requires being safe and accident-free, having a good credit score, being claim-free, and qualifying for all possible discounts. 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 local insurance agencies.
Below you'll find a brief review of the car insurance concepts covered above.
- Drivers with DUI or reckless driving convictions may have to pay on average $1,650 more annually than a low-risk driver
- You may be able to save approximately $170 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $550 each year
- Consumers who want more liability protection will pay approximately $460 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,294 |
| 30 | $1,484 |
| 40 | $1,426 |
| 50 | $1,304 |
| 60 | $1,280 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,790 |
| $250 | $1,622 |
| $500 | $1,426 |
| $1,000 | $1,238 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,426 |
| 50/100 | $1,600 |
| 100/300 | $1,705 |
| 250/500 | $1,978 |
| 100 CSL | $1,642 |
| 300 CSL | $1,873 |
| 500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,626 |
| 20 | $5,228 |
| 30 | $3,140 |
| 40 | $3,076 |
| 50 | $2,934 |
| 60 | $2,910 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $100 |
| Total Discounts | $597 |
Discounts are estimated and may not be available from every company or in every state.
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