Hyundai Sonata Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2023
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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.
Average auto insurance rates for a Hyundai Sonata are $1,406 annually for full coverage. Comprehensive costs approximately $270 a year, collision costs $506, and liability coverage costs $450. A policy with just liability insurance costs as little as $518 a year, with coverage for high-risk drivers costing around $3,044. 16-year-old drivers receive the highest rates at $5,364 a year or more.
Average premium for full coverage: $1,406
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Sonata trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $518 for a discount liability-only rate to a high of $3,044 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance prices.
These examples show why it is important to compare rates using their specific location and their own personal driving habits, rather than using rate 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.
Rates by State, City, and Model
The chart below shows estimated Hyundai Sonata insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $818
- Drivers who choose higher $1,000 deductibles will pay $1,230 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,406
- Buying low $100 deductibles for comprehensive and collision insurance will cost $1,748
- High-risk insureds with multiple tickets or accidents could pay around $3,044 or more
- The cost with full coverage for a teenage driver can cost $5,364 a year
Insurance rates for a Hyundai Sonata can also vary considerably based on the trim level of your Sonata, your driver profile, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $520 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $405 more each year. View Rates by Deductible or Liability Limit
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 Iowa, Maine, and Idaho, or at least $2,010 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,272 | -$134 | -9.5% |
| Alaska | $1,078 | -$328 | -23.3% |
| Arizona | $1,168 | -$238 | -16.9% |
| Arkansas | $1,406 | -$0 | 0.0% |
| California | $1,602 | $196 | 13.9% |
| Colorado | $1,340 | -$66 | -4.7% |
| Connecticut | $1,442 | $36 | 2.6% |
| Delaware | $1,592 | $186 | 13.2% |
| Florida | $1,758 | $352 | 25.0% |
| Georgia | $1,298 | -$108 | -7.7% |
| Hawaii | $1,010 | -$396 | -28.2% |
| Idaho | $954 | -$452 | -32.1% |
| Illinois | $1,046 | -$360 | -25.6% |
| Indiana | $1,060 | -$346 | -24.6% |
| Iowa | $948 | -$458 | -32.6% |
| Kansas | $1,336 | -$70 | -5.0% |
| Kentucky | $1,918 | $512 | 36.4% |
| Louisiana | $2,080 | $674 | 47.9% |
| Maine | $868 | -$538 | -38.3% |
| Maryland | $1,160 | -$246 | -17.5% |
| Massachusetts | $1,124 | -$282 | -20.1% |
| Michigan | $2,440 | $1,034 | 73.5% |
| Minnesota | $1,178 | -$228 | -16.2% |
| Mississippi | $1,686 | $280 | 19.9% |
| Missouri | $1,246 | -$160 | -11.4% |
| Montana | $1,510 | $104 | 7.4% |
| Nebraska | $1,108 | -$298 | -21.2% |
| Nevada | $1,686 | $280 | 19.9% |
| New Hampshire | $1,014 | -$392 | -27.9% |
| New Jersey | $1,572 | $166 | 11.8% |
| New Mexico | $1,244 | -$162 | -11.5% |
| New York | $1,482 | $76 | 5.4% |
| North Carolina | $810 | -$596 | -42.4% |
| North Dakota | $1,150 | -$256 | -18.2% |
| Ohio | $970 | -$436 | -31.0% |
| Oklahoma | $1,442 | $36 | 2.6% |
| Oregon | $1,286 | -$120 | -8.5% |
| Pennsylvania | $1,340 | -$66 | -4.7% |
| Rhode Island | $1,874 | $468 | 33.3% |
| South Carolina | $1,276 | -$130 | -9.2% |
| South Dakota | $1,188 | -$218 | -15.5% |
| Tennessee | $1,230 | -$176 | -12.5% |
| Texas | $1,692 | $286 | 20.3% |
| Utah | $1,042 | -$364 | -25.9% |
| Vermont | $962 | -$444 | -31.6% |
| Virginia | $842 | -$564 | -40.1% |
| Washington | $1,086 | -$320 | -22.8% |
| West Virginia | $1,288 | -$118 | -8.4% |
| Wisconsin | $972 | -$434 | -30.9% |
| Wyoming | $1,254 | -$152 | -10.8% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Every company utilizes a different rate formula, and rates can be significantly different between companies.
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 | $1,448 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,448 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata | $280 | $512 | $440 | $1,412 |
| 2023 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2022 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2021 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2020 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2019 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2018 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2017 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2016 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2015 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2014 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2013 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2012 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2011 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2010 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2009 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2008 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2007 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2006 Hyundai Sonata | $126 | $160 | $504 | $970 |
| 2005 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 Buy Low Cost Hyundai Sonata Insurance
Saving money on auto insurance not only requires having a decent driving record, but also having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The following items are a review of the ideas that were covered in the above illustrations.
- 16 to 18-year-old drivers are the costliest to insure, costing as high as $447 per month if they have full coverage
- Drivers who have several accidents or serious violations pay on average $1,640 more per year than a driver with a clean driving record
- Increasing deductibles could save up to $525 each year
- Drivers can save around $170 per year simply by quoting early and online
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 | $5,364 |
| 20 | $3,260 |
| 30 | $1,460 |
| 40 | $1,406 |
| 50 | $1,286 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,590 |
| $500 | $1,406 |
| $1,000 | $1,230 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,406 |
| 50/100 | $1,580 |
| 100/300 | $1,693 |
| 250/500 | $1,985 |
| 100 CSL | $1,625 |
| 300 CSL | $1,873 |
| 500 CSL | $2,053 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,628 |
| 20 | $5,184 |
| 30 | $3,104 |
| 40 | $3,044 |
| 50 | $2,908 |
| 60 | $2,882 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $62 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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