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.

U.S. average insurance prices for a Hyundai Genesis are $1,432 every 12 months with full coverage. Comprehensive insurance costs around $268, collision insurance costs $464, and liability insurance is $520. Liability-only insurance costs around $576 a year, and high-risk driver insurance costs $3,100 or more. Teen drivers pay the highest rates at up to $5,520 a year.

Average premium for full coverage: $1,432

Price estimates for individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Genesis trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas. The price range example below illustrates how your location can change auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $836
• Raising to $1,000 deductibles will save about $166 annually
• The average price for the average middle-age driver using $500 deductibles is $1,432
• Choosing more expensive low deductibles costs an extra $322 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,100
• The price to insure a teen driver with full coverage can be $5,520

View Chart as Image

Car insurance prices for a Hyundai Genesis are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing high deductibles can reduce prices by up to $490 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $5,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Hyundai Genesis insurance rates. A middle-age driver might find prices as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,930 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 Cheap Hyundai Genesis Insurance

Getting lower rates on Hyundai Genesis insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the material that was illustrated above.

• Drivers who may need an increased level of liability coverage will pay about $570 every year to raise from a low limit to a 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing up to $460 a month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations pay on average $1,670 more every year than a safer driver
• Increasing physical damage deductibles could save as much as $500 each year

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. 

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.   

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