Hyundai Genesis Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 14, 2024
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How much is a Hyundai Genesis insurance policy? Average Hyundai Genesis insurance rates are $133 per month or $1,598 annually. However, your rates may vary slightly depending on your driver demographics and the model year of your Genesis.
For example, if you are comparing the 2014 Hyundai Genesis Coupe insurance costs with the Hyundai Genesis Sedan insurance costs, you’ll receive slightly different rates. Read through our complete Hyundai Genesis guide to learn what you can do to secure cheap car insurance for your Genesis.
Ready to start comparing your best Hyundai Genesis car insurance rates? Simply enter your ZIP code into our FREE online tool above to find the best Hyundai Genesis car insurance rates in your area.
Average auto insurance rates for a Hyundai Genesis are $1,376 annually for full coverage insurance. Comprehensive insurance costs around $250 each year, collision costs $426, and liability coverage is estimated at $520. A policy with just liability insurance costs approximately $576 a year, with coverage for high-risk drivers costing $2,980 or more. Teen drivers receive the highest rates at $5,348 a year or more.
Average premium for full coverage: $1,376
Rate estimates for individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Genesis models.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $576 for a discount liability-only rate to a high rate of $2,980 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using price 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 illustrates estimated Hyundai Genesis insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $808
- Choosing higher $1,000 deductibles can save about $154 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,376
- Choosing low deductibles for comp and collision coverage costs an additional $300 each year
- Drivers with multiple violations and an at-fault accident could pay at least $2,980 or more
- The cost with full coverage for a teenage driver can be $5,348 each year
Insurance rates for a Hyundai Genesis can also vary considerably based on the trim level of your Genesis, your risk profile, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $460 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Hyundai Genesis insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,860 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,244 | -$132 | -9.6% |
| Alaska | $1,054 | -$322 | -23.4% |
| Arizona | $1,144 | -$232 | -16.9% |
| Arkansas | $1,376 | -$0 | 0.0% |
| California | $1,568 | $192 | 14.0% |
| Colorado | $1,314 | -$62 | -4.5% |
| Connecticut | $1,414 | $38 | 2.8% |
| Delaware | $1,558 | $182 | 13.2% |
| Florida | $1,722 | $346 | 25.1% |
| Georgia | $1,272 | -$104 | -7.6% |
| Hawaii | $988 | -$388 | -28.2% |
| Idaho | $932 | -$444 | -32.3% |
| Illinois | $1,024 | -$352 | -25.6% |
| Indiana | $1,040 | -$336 | -24.4% |
| Iowa | $930 | -$446 | -32.4% |
| Kansas | $1,306 | -$70 | -5.1% |
| Kentucky | $1,876 | $500 | 36.3% |
| Louisiana | $2,040 | $664 | 48.3% |
| Maine | $848 | -$528 | -38.4% |
| Maryland | $1,136 | -$240 | -17.4% |
| Massachusetts | $1,098 | -$278 | -20.2% |
| Michigan | $2,388 | $1,012 | 73.5% |
| Minnesota | $1,152 | -$224 | -16.3% |
| Mississippi | $1,648 | $272 | 19.8% |
| Missouri | $1,220 | -$156 | -11.3% |
| Montana | $1,478 | $102 | 7.4% |
| Nebraska | $1,086 | -$290 | -21.1% |
| Nevada | $1,652 | $276 | 20.1% |
| New Hampshire | $992 | -$384 | -27.9% |
| New Jersey | $1,538 | $162 | 11.8% |
| New Mexico | $1,218 | -$158 | -11.5% |
| New York | $1,450 | $74 | 5.4% |
| North Carolina | $794 | -$582 | -42.3% |
| North Dakota | $1,128 | -$248 | -18.0% |
| Ohio | $950 | -$426 | -31.0% |
| Oklahoma | $1,414 | $38 | 2.8% |
| Oregon | $1,260 | -$116 | -8.4% |
| Pennsylvania | $1,312 | -$64 | -4.7% |
| Rhode Island | $1,836 | $460 | 33.4% |
| South Carolina | $1,248 | -$128 | -9.3% |
| South Dakota | $1,162 | -$214 | -15.6% |
| Tennessee | $1,204 | -$172 | -12.5% |
| Texas | $1,658 | $282 | 20.5% |
| Utah | $1,018 | -$358 | -26.0% |
| Vermont | $944 | -$432 | -31.4% |
| Virginia | $824 | -$552 | -40.1% |
| Washington | $1,064 | -$312 | -22.7% |
| West Virginia | $1,260 | -$116 | -8.4% |
| Wisconsin | $954 | -$422 | -30.7% |
| Wyoming | $1,226 | -$150 | -10.9% |
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Genesis 2.0T 2-Dr Coupe | $1,414 | $118 |
| Hyundai Genesis 3.8 4-Dr Sedan | $1,156 | $96 |
| Hyundai Genesis 2.0T Premium 2-Dr Coupe | $1,450 | $121 |
| Hyundai Genesis 2.0T Track 2-Dr Coupe | $1,470 | $123 |
| Hyundai Genesis 3.8 2-Dr Coupe | $1,450 | $121 |
| Hyundai Genesis 3.8 Grand Touring 2-Dr Coupe | $1,470 | $123 |
| Hyundai Genesis 3.8 Track 2-Dr Coupe | $1,500 | $125 |
| Hyundai Genesis 4.6 4-Dr Sedan | $1,212 | $101 |
Rates assume 2016 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 |
|---|---|---|---|---|
| 2016 Hyundai Genesis | $250 | $426 | $520 | $1,376 |
| 2015 Hyundai Genesis | $242 | $400 | $524 | $1,346 |
| 2014 Hyundai Genesis | $236 | $374 | $534 | $1,324 |
| 2013 Hyundai Genesis | $218 | $346 | $534 | $1,278 |
| 2012 Hyundai Genesis | $212 | $314 | $540 | $1,246 |
| 2011 Hyundai Genesis | $198 | $288 | $534 | $1,200 |
| 2010 Hyundai Genesis | $186 | $262 | $534 | $1,162 |
| 2009 Hyundai Genesis | $180 | $234 | $530 | $1,124 |
Rates are averaged for all Hyundai Genesis 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 More Affordable Hyundai Genesis Insurance
Saving money on auto insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a summary of the car insurance concepts covered in the above illustrations.
- Drivers who have multiple accidents or major violations pay on average $1,600 more every year for car insurance
- It is possible to save up to $160 per year simply by quoting online in advance
- Increasing deductibles could save up to $450 each year
- Consumers who may need higher liability limits will pay about $570 annually to raise limits from a minimum limit to higher 250/500 limits
If you are wondering if a Hyundai Genesis Coupe is expensive to insure in your area, the best way to find out is to get car insurance quotes from multiple different companies.
Getting multiple Hyundai Genesis car insurance quotes on comparison sites will allow you to quickly find the best rates, whether you are looking for the 2012 Hyundai Genesis Coupe 2.0 T insurance costs or the 2015 Hyundai Genesis insurance costs.
To find out how much is insurance for a Hyundai Genesis coupe or sedan in your area and to secure some major savings, enter your ZIP code into our free quote tool below.
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What are the Hyundai Genesis safety ratings?
The Hyundai Genesis has some great advanced safety features, such as a rearview camera, lane departure warning, forward collision warning, and more.
The Hyundai Genesis safety ratings are also excellent, as the Insurance Institute for Highway Safety (IIHS) gave the Hyundai Genesis a 2016 Top Safety Pick award.
The ratings below are a breakdown of the IIHS’s overall rating for the 2016 Hyundai Genesis.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
As you can see, the 2016 model received nearly perfect safety ratings across the board. Your car insurance rates will already reflect these phenomenal safety ratings.
What are the Hyundai Genesis crash test ratings?
Another great way to estimate your potential Hyundai Genesis car insurance rates is by looking at crash test ratings for your vehicle’s specific model year.
See a breakdown of the Hyundai Genesis crash test ratings by model year as performed by the National Highway Traffic Safety Administration (NHTSA) in the table below.
Hyundai Genesis Crash Test Ratings| Vehicle Make and Model | Overall Crash Test Ratings | Frontal Crash Test Ratings | Side Crash Test Ratings | Rollover Crash Test Ratings |
|---|---|---|---|---|
| 2011 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2011 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2013 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2013 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2014 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2014 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2015 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2015 Hyundai Genesis 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2015 Hyundai Genesis 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Hyundai Genesis 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Hyundai Genesis 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
A 5-star rating is the highest possible score given by the NHTSA. Overall, the Hyundai Genesis received great crash test ratings.
You may have noticed that earlier models of the Hyundai Genesis were not crash tested. If you drive one of those model years, your insurance rates will be different than the 2015 and 2016 model years with more well-rounded results.
Should you compare the Hyundai Genesis against other vehicles in the same car class?
Is a Hyundai Genesis considered a sports car? No, technically, the Hyundai Genesis is classified as a large luxury car and not a sports car. Although, both luxury and sports cars tend to have higher than average liability rates.
In the table below, let’s explore the Hyundai Genesis insurance loss probability details to get a clearer idea of how much different insurance coverages might cost you.
Keep in mind that lower loss ratios mean lower car insurance rates. However, higher loss ratios mean higher than average car insurance premiums.
Hyundai Genesis Insurance Loss Rates| Insurance Coverage Categories | Loss Rates |
|---|---|
| Collision | 54% |
| Property damage | -29% |
| Comprehensive | 54% |
| Personal injury | -15% |
| Medical payment | -1% |
| Bodily injury | N/A |
The Hyundai Genesis has substantially worse than average comprehensive and collision loss ratios. If you are hoping to purchase a full coverage car insurance policy for your Genesis, expect the collision and comprehensive coverages to be higher than average.
If you want to better see how the Hyundai Genesis’s rates compare to other large luxury cars, view the list below.
You are officially an expert on securing affordable Hyundai Genesis car insurance costs. Remember, the best Hyundai Genesis car insurance company will provide you with competitive rates without compromising your coverage levels.
You’re now ready to buy Hyundai Genesis car insurance. To find out what the cost of a Hyundai Genesis is to insure in your area, just enter your ZIP code into our free quote tool to find your best rates and save.
References:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,348 |
| 20 | $3,174 |
| 30 | $1,418 |
| 40 | $1,376 |
| 50 | $1,262 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,676 |
| $250 | $1,536 |
| $500 | $1,376 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,376 |
| 50/100 | $1,290 |
| 100/300 | $1,388 |
| 250/500 | $1,641 |
| 100 CSL | $1,329 |
| 300 CSL | $1,544 |
| 500 CSL | $1,700 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,592 |
| 20 | $5,060 |
| 30 | $3,026 |
| 40 | $2,980 |
| 50 | $2,846 |
| 60 | $2,820 |
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 | $72 |
| Multi-vehicle | $74 |
| Homeowner | $22 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $57 |
| Advance Quote | $65 |
| Online Quote | $96 |
| Total Discounts | $568 |
Discounts are estimated and may not be available from every company or in every state.
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