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: 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 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:

Comprehensive $260
Collision $494
Liability $470

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.

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

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.

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

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

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing full coverage Hyundai Sonata insurance prices range from $817 to $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.

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

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

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 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.

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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.



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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