Hyundai Ioniq Hybrid Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 20, 2024
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Average insurance prices for a Hyundai Ioniq Hybrid are $1,352 every 12 months with full coverage. Comprehensive insurance costs on average $262, collision insurance costs $502, and liability costs $430. Buying just liability costs as little as $486 a year, and insurance for high-risk drivers costs $2,938 or more. 16-year-old drivers receive the highest rates at up to $5,138 a year.
Average premium for full coverage: $1,352
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Ioniq Hybrid models.
Price Range by Coverage and Risk
For an average driver, prices range range from the cheapest price of $486 for just liability coverage to the much higher price of $2,938 for a policy for a high-risk driver.
Price Range by Location
Your location can make a big difference on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities. The example below illustrates the effect of geographic area on car insurance rates.
These examples demonstrate why everyone should compare rates based on a specific location and their own driving history, instead of making a decision based on rate 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.
Detailed Rate Analysis
The chart below details average Hyundai Ioniq Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $776
- Drivers who choose higher $1,000 deductibles will pay around $172 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,352
- Buying pricier low deductibles for comprehensive and collision insurance costs an extra $338 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,938
- The cost to insure a 16-year-old driver for full coverage may cost $5,138 a year
Auto insurance rates for a Hyundai Ioniq Hybrid can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Ioniq Hybrid.
Opting for high physical damage deductibles could save up to $510 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. Hyundai Ioniq Hybrid insurance for high-risk drivers can cost from 43% to 132% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Hyundai Ioniq Hybrid insurance prices. A 40-year-old driver could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or at least $1,830 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,224 | -$128 | -9.5% |
| Alaska | $1,038 | -$314 | -23.2% |
| Arizona | $1,122 | -$230 | -17.0% |
| Arkansas | $1,352 | -$0 | 0.0% |
| California | $1,542 | $190 | 14.1% |
| Colorado | $1,292 | -$60 | -4.4% |
| Connecticut | $1,392 | $40 | 3.0% |
| Delaware | $1,532 | $180 | 13.3% |
| Florida | $1,692 | $340 | 25.1% |
| Georgia | $1,248 | -$104 | -7.7% |
| Hawaii | $970 | -$382 | -28.3% |
| Idaho | $914 | -$438 | -32.4% |
| Illinois | $1,008 | -$344 | -25.4% |
| Indiana | $1,018 | -$334 | -24.7% |
| Iowa | $912 | -$440 | -32.5% |
| Kansas | $1,286 | -$66 | -4.9% |
| Kentucky | $1,844 | $492 | 36.4% |
| Louisiana | $2,000 | $648 | 47.9% |
| Maine | $834 | -$518 | -38.3% |
| Maryland | $1,114 | -$238 | -17.6% |
| Massachusetts | $1,082 | -$270 | -20.0% |
| Michigan | $2,350 | $998 | 73.8% |
| Minnesota | $1,132 | -$220 | -16.3% |
| Mississippi | $1,618 | $266 | 19.7% |
| Missouri | $1,202 | -$150 | -11.1% |
| Montana | $1,454 | $102 | 7.5% |
| Nebraska | $1,066 | -$286 | -21.2% |
| Nevada | $1,620 | $268 | 19.8% |
| New Hampshire | $976 | -$376 | -27.8% |
| New Jersey | $1,512 | $160 | 11.8% |
| New Mexico | $1,196 | -$156 | -11.5% |
| New York | $1,424 | $72 | 5.3% |
| North Carolina | $780 | -$572 | -42.3% |
| North Dakota | $1,106 | -$246 | -18.2% |
| Ohio | $934 | -$418 | -30.9% |
| Oklahoma | $1,388 | $36 | 2.7% |
| Oregon | $1,238 | -$114 | -8.4% |
| Pennsylvania | $1,290 | -$62 | -4.6% |
| Rhode Island | $1,804 | $452 | 33.4% |
| South Carolina | $1,224 | -$128 | -9.5% |
| South Dakota | $1,142 | -$210 | -15.5% |
| Tennessee | $1,186 | -$166 | -12.3% |
| Texas | $1,630 | $278 | 20.6% |
| Utah | $1,002 | -$350 | -25.9% |
| Vermont | $926 | -$426 | -31.5% |
| Virginia | $810 | -$542 | -40.1% |
| Washington | $1,046 | -$306 | -22.6% |
| West Virginia | $1,238 | -$114 | -8.4% |
| Wisconsin | $938 | -$414 | -30.6% |
| Wyoming | $1,204 | -$148 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Hyundai Ioniq Hybrid | $262 | $502 | $430 | $1,352 |
| 2021 Hyundai Ioniq Hybrid | $248 | $484 | $442 | $1,332 |
Rates are averaged for all Hyundai Ioniq Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Hyundai Ioniq Hybrid Insurance
Saving money on insurance for a Hyundai Ioniq Hybrid not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a review of the coverage data covered in the above illustrations.
- You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $500 each year
- Teenagers are charged the highest rates, with premiums as much as $428 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,590 more each year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,138 |
| 20 | $3,138 |
| 30 | $1,404 |
| 40 | $1,352 |
| 50 | $1,238 |
| 60 | $1,214 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,690 |
| $250 | $1,532 |
| $500 | $1,352 |
| $1,000 | $1,180 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,352 |
| 50/100 | $1,438 |
| 100/300 | $1,546 |
| 250/500 | $1,825 |
| 100 CSL | $1,481 |
| 300 CSL | $1,718 |
| 500 CSL | $1,890 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,320 |
| 20 | $5,000 |
| 30 | $2,996 |
| 40 | $2,938 |
| 50 | $2,806 |
| 60 | $2,782 |
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 | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $96 |
| Total Discounts | $576 |
Discounts are estimated and may not be available from every company or in every state.
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