Hyundai Sonata Insurance Rates

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.

The average insurance rates for a Hyundai Sonata are $1,406 a year with full coverage. Comprehensive costs an estimated $270 each year, collision costs $506, and liability coverage is estimated at $450. Liability-only coverage costs approximately $518 a year, with high-risk coverage costing around $3,044. Teens cost the most to insure at $5,364 a year or more.

Average premium for full coverage: $1,406

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Sonata models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area and risk profile, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below details estimated Hyundai Sonata insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $818
• Choosing higher $1,000 deductibles can save approximately $176 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,406
• Selecting low deductibles for comp and collision coverage will increase the cost to $1,748
• Drivers with serious driving violations could pay up to $3,044 or more
• Policy cost for full coverage for a teenage driver can cost as much as $5,364 each year

View Chart as Image

Insurance rates for a Hyundai Sonata also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Hyundai Sonata insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $520 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $405 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 135% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer calculates rates differently, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Hyundai Sonata Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Spend time shopping around every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the information touched on above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• Teen drivers are expensive to insure, as much as $447 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,640 more annually to insure their Sonata
• Consumers who want more liability coverage will pay approximately $500 every year to raise limits from a 30/60 limit to 250/500 limits

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.

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.

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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