Hyundai Ioniq Hybrid 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...
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UPDATED: May 20, 2024
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Estimated insurance rates for a Hyundai Ioniq Hybrid are $1,352 a year including full coverage. Comprehensive insurance costs around $262 each year, collision insurance costs $502, and liability costs $430. A policy with only liability insurance costs as little as $486 a year, and a high-risk policy costs $2,938 or more. Teen drivers pay the most at up to $5,138 a year.
Average premium for full coverage: $1,352
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Ioniq Hybrid models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Hyundai Ioniq Hybrid range from as low as $486 for minimum levels of liability insurance to a high rate of $2,938 for a high-risk driver policy.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.
These rate differences highlight why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based 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 Rate Details
The chart below breaks down average Hyundai Ioniq Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $776
- Drivers who choose higher $1,000 deductibles will pay about $172 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,352
- Choosing low deductibles for comprehensive and collision insurance will cost an extra $338 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,938
- An auto insurance policy for full coverage for a 16-year-old driver can be $5,138 a year
Car insurance prices for a Hyundai Ioniq Hybrid also have a wide range based on your driving characteristics, the model of your Ioniq Hybrid, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $5,100 a year. View Rates by Age
Where you choose to live makes a big difference in Hyundai Ioniq Hybrid insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,930 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles could save up to $510 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than average. View High Risk Driver Rates
| 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 Find Low Cost Hyundai Ioniq Hybrid Insurance
Finding better rates on insurance for a Hyundai Ioniq Hybrid not only requires having a decent driving record, but also having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a review of the information presented in the illustrations above.
- You may be able to save up to $160 per year just by quoting online in advance
- 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $428 per month if full coverage is included
- Increasing policy deductibles can save around $500 each year
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,590 more every year than a driver with a clean driving record
- Insureds who may need additional liability coverage will pay about $470 per year to go from 30/60 bodily injury limits to 250/500 limits
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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