Hyundai Genesis Insurance Rates

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.

The average insurance prices for a Hyundai Genesis are $1,346 every 12 months with full coverage. Comprehensive insurance costs around $242, collision insurance costs $400, and liability coverage is $524. Buying just liability costs around $580 a year, and insurance for high-risk drivers costs $2,912 or more. Teenage drivers cost the most to insure at up to $5,254 a year.

Average premium for full coverage: $1,346

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all Genesis models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below details average Hyundai Genesis insurance rates for additional coverage choices and driver risks.

• The best discount rate is $794
• Raising to $1,000 deductibles will save about $146 annually
• The average price for a good driver age 40 using $500 deductibles is $1,346
• Using pricier low deductibles costs an extra $282 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,912
• Policy cost to insure a teenage driver for full coverage can be $5,254

View Chart as Image

Insurance rates for a Hyundai Genesis also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $430 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $354 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. Hyundai Genesis insurance for high-risk drivers is expensive and can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Hyundai Genesis insurance rates. A middle-age driver might find rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,820 on average in Florida, Michigan, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Best Hyundai Genesis Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates at least once a year by getting quotes from direct companies, and also from several local insurance agents.

Below you'll find a brief recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• Drivers who tend to receive serious violations pay on average $1,570 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Youthful drivers pay higher rates, as much as $438 each month if they have full coverage

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.

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

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

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.

• Acura RLX Insurance Rates
• Audi A6 Insurance Rates
• Audi A7 Insurance Rates

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:

1. https://www.iihs.org/ratings/vehicle/hyundai/genesis-4-door-sedan/2016
2. https://www.nhtsa.gov/vehicle/2016/HYUNDAI/GENESIS/4%252520DR/AWD