Hyundai Ioniq Hybrid Insurance Rates

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UPDATED: May 20, 2024

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U.S. average insurance prices for a Hyundai Ioniq Hybrid are $1,352 every 12 months for full coverage insurance. Comprehensive insurance costs around $262, collision costs $502, and liability coverage is estimated at $430. Buying just liability costs approximately $486 a year, with insurance for high-risk drivers costing $2,938 or more. Teens pay the highest rates at $5,138 a year or more.

Average premium for full coverage: $1,352

Price estimates for individual coverage:

Comprehensive $262
Collision $502
Liability $430

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Ioniq Hybrid trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Hyundai Ioniq Hybrid insurance prices go from the cheapest price of $486 for just the minimum liability insurance to a much higher rate of $2,938 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,352
High Risk $2,938

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,014
Small Cities $1,420
Large Cities $1,825

The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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 Analysis

The chart below illustrates estimated Hyundai Ioniq Hybrid insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $776
  • Choosing higher $1,000 deductibles can save about $172 each year
  • The average price for the average middle-age driver using $500 deductibles is $1,352
  • Selecting more expensive low deductibles for comp and collision coverage costs an extra $338 each year
  • Drivers with serious driving violations could pay at least $2,938 or more
  • The price to insure a teenage driver with full coverage can be $5,138 each year

View Chart as Image

Hyundai Ioniq Hybrid insurance cost comparison chart
Column chart showing full coverage Hyundai Ioniq Hybrid insurance prices range from $776 to $5,138

Insurance prices for a Hyundai Ioniq Hybrid are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance ranges around 43% to 132% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Hyundai Ioniq Hybrid insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,830 on average in Michigan, New York, and Florida.

Hyundai Ioniq Hybrid Insurance Rates by State
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%

View Chart as Image

Hyundai Ioniq Hybrid insurance rates by U.S. city

Since prices can be so different, the only way to figure out your exact price is to compare prices and see how they stack up. Each auto insurer calculates prices differently, and prices may be quite different.

Hyundai Ioniq Hybrid Insurance Rates by Model Year
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 the Best Hyundai Ioniq Hybrid Insurance

Getting lower rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief recap of the data that was raised in the charts and tables above.

  • It is possible to save up to $160 per year simply by shopping early and online
  • Consumers who may need increased liability limits will pay approximately $470 annually to raise limits from a low limit to a 250/500 level
  • Drivers under the age of 20 are charged the highest prices, as much as $428 a month if full coverage is included
  • Drivers who tend to receive serious violations may pay on average $1,590 more every year to insure a Hyundai Ioniq Hybrid

Rates by Driver Age

Hyundai Ioniq Hybrid Insurance 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

Hyundai Ioniq Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,690
$250 $1,532
$500 $1,352
$1,000 $1,180

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Ioniq Hybrid Insurance Rates with Different Liability Limits
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

Hyundai Ioniq Hybrid Insurance 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.

SR-22 Surcharge $191

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
Rate after discounts $776

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

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