Hyundai Genesis 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: Jun 5, 2023

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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.

Estimated auto insurance rates for a Hyundai Genesis are $1,162 annually for full coverage insurance. Comprehensive insurance costs on average $186 a year, collision costs $262, and liability insurance costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing $2,504 or more. Teen drivers pay the most at $4,676 a year or more.

Average premium for full coverage: $1,162

Premium estimates by type of coverage:

Comprehensive $186
Collision $262
Liability $534

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Genesis trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Hyundai Genesis go from as cheap as $588 for liability-only coverage to a high of $2,504 for a high-risk insurance policy.

Liability Only $588
Full Coverage $1,162
High Risk $2,504

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.

The diagram below illustrates the difference location can make on car insurance rates.

Rural Areas $872
Small Cities $1,220
Large Cities $1,569

These rate differences illustrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on 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.

Additional Charts and Tables

The chart below illustrates estimated Hyundai Genesis insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $701
  • Drivers who choose higher $1,000 deductibles will pay around $1,060 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,162
  • Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $194 a year
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,504 or more
  • An auto insurance policy with full coverage for a teen driver may cost $4,676 a year

View Chart as Image

Hyundai Genesis insurance cost comparison chart
Column chart showing full coverage Hyundai Genesis insurance prices range from $701 to $4,676

Insurance prices for a Hyundai Genesis also have a wide range based on the model of your Genesis, your risk profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $300 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Hyundai Genesis insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,570 on average in Michigan, New York, and Florida.

Hyundai Genesis Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,050 -$112 -9.6%
Alaska $892 -$270 -23.2%
Arizona $964 -$198 -17.0%
Arkansas $1,162 -$0 0.0%
California $1,324 $162 13.9%
Colorado $1,108 -$54 -4.6%
Connecticut $1,194 $32 2.8%
Delaware $1,316 $154 13.3%
Florida $1,454 $292 25.1%
Georgia $1,074 -$88 -7.6%
Hawaii $834 -$328 -28.2%
Idaho $786 -$376 -32.4%
Illinois $864 -$298 -25.6%
Indiana $876 -$286 -24.6%
Iowa $784 -$378 -32.5%
Kansas $1,104 -$58 -5.0%
Kentucky $1,584 $422 36.3%
Louisiana $1,720 $558 48.0%
Maine $720 -$442 -38.0%
Maryland $960 -$202 -17.4%
Massachusetts $928 -$234 -20.1%
Michigan $2,016 $854 73.5%
Minnesota $972 -$190 -16.4%
Mississippi $1,392 $230 19.8%
Missouri $1,030 -$132 -11.4%
Montana $1,246 $84 7.2%
Nebraska $918 -$244 -21.0%
Nevada $1,396 $234 20.1%
New Hampshire $838 -$324 -27.9%
New Jersey $1,300 $138 11.9%
New Mexico $1,030 -$132 -11.4%
New York $1,222 $60 5.2%
North Carolina $670 -$492 -42.3%
North Dakota $952 -$210 -18.1%
Ohio $800 -$362 -31.2%
Oklahoma $1,192 $30 2.6%
Oregon $1,066 -$96 -8.3%
Pennsylvania $1,108 -$54 -4.6%
Rhode Island $1,550 $388 33.4%
South Carolina $1,054 -$108 -9.3%
South Dakota $982 -$180 -15.5%
Tennessee $1,016 -$146 -12.6%
Texas $1,398 $236 20.3%
Utah $860 -$302 -26.0%
Vermont $796 -$366 -31.5%
Virginia $694 -$468 -40.3%
Washington $896 -$266 -22.9%
West Virginia $1,066 -$96 -8.3%
Wisconsin $804 -$358 -30.8%
Wyoming $1,034 -$128 -11.0%

View Chart as Image

Hyundai Genesis insurance rates by U.S. city

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, and prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Hyundai Genesis Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Genesis 2.0T 2-Dr Coupe $1,216 $101
Hyundai Genesis 3.8 4-Dr Sedan $956 $80
Hyundai Genesis 2.0T Premium 2-Dr Coupe $1,240 $103
Hyundai Genesis 2.0T Track 2-Dr Coupe $1,250 $104
Hyundai Genesis 3.8 2-Dr Coupe $1,240 $103
Hyundai Genesis 3.8 Grand Touring 2-Dr Coupe $1,250 $104
Hyundai Genesis 3.8 Track 2-Dr Coupe $1,270 $106
Hyundai Genesis 4.6 4-Dr Sedan $994 $83

Rates assume 2009 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 Genesis Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Hyundai Genesis $250 $426 $520 $1,376
2013 Hyundai Genesis $236 $374 $534 $1,324
2012 Hyundai Genesis $218 $346 $534 $1,278
2011 Hyundai Genesis $212 $314 $540 $1,246
2010 Hyundai Genesis $198 $288 $534 $1,200
2009 Hyundai Genesis $186 $262 $534 $1,162

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 Affordable Hyundai Genesis Insurance

Finding better rates on Hyundai Genesis insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from local exclusive and independent agents.

The items below are a brief review of the car insurance concepts touched on in this article.

  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,340 more each year to insure their Genesis
  • It is possible to save as much as $130 per year simply by quoting early and online
  • Increasing policy deductibles could save up to $300 each year
  • Drivers who require more liability coverage will pay about $590 annually to go from 30/60 bodily injury limits 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 ModelOverall Crash Test RatingsFrontal Crash Test RatingsSide Crash Test RatingsRollover Crash Test Ratings
2011 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2011 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2012 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2012 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2012 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2013 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2013 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2014 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2014 Hyundai Genesis 4 DR RWDN/RN/RN/R5 stars
2015 Hyundai Genesis 2 DR RWDN/RN/RN/R5 stars
2015 Hyundai Genesis 4 DR AWD5 stars5 stars5 stars5 stars
2015 Hyundai Genesis 4 DR RWD5 stars5 stars5 stars5 stars
2016 Hyundai Genesis 4 DR AWD5 stars5 stars5 stars5 stars
2016 Hyundai Genesis 4 DR RWD5 stars5 stars5 stars5 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 CategoriesLoss Rates
Collision54%
Property damage-29%
Comprehensive54%
Personal injury-15%
Medical payment-1%
Bodily injuryN/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:

  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

Rates by Driver Age

Hyundai Genesis Insurance Rates by Driver Age
Driver Age Premium
16 $4,676
20 $2,662
30 $1,184
40 $1,162
50 $1,068
60 $1,046

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Genesis Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,356
$250 $1,268
$500 $1,162
$1,000 $1,060

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Genesis Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,162
50/100 $1,074
100/300 $1,175
250/500 $1,436
100 CSL $1,115
300 CSL $1,336
500 CSL $1,497

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Genesis Insurance Rates for High Risk Drivers
Age Premium
16 $6,594
20 $4,244
30 $2,526
40 $2,504
50 $2,396
60 $2,370

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 $157

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $63
Homeowner $21
5-yr Accident Free $72
5-yr Claim Free $73
Paid in Full/EFT $43
Advance Quote $51
Online Quote $79
Total Discounts $461
Rate after discounts $701

Discounts are estimated and may not be available from every company or in every state.

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