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...
Licensed Insurance Agent
UPDATED: May 20, 2024
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U.S. average auto insurance rates for a Hyundai Ioniq Hybrid are $1,352 annually including full coverage. Comprehensive insurance costs an estimated $262 each year, collision costs $502, and liability insurance costs $430. Liability-only coverage costs as little as $486 a year, with high-risk coverage costing $2,938 or more. Teenage drivers pay the highest rates at $5,138 a year or more.
Average premium for full coverage: $1,352
Price estimates broken down by individual coverage:
Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Ioniq Hybrid models.
Price Range from Low to High
For the normal driver, Hyundai Ioniq Hybrid insurance prices go from as cheap as $486 for the bare minimum liability coverage to a high rate of $2,938 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities.
The graphic below illustrates how geographic area affects insurance prices.
The ranges above highlight why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.
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 Information
The chart below breaks down estimated Hyundai Ioniq Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $776
- Drivers who choose higher $1,000 deductibles will pay approximately $172 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,352
- Using low deductibles for comprehensive and collision insurance costs an additional $338 a year
- High risk drivers who are prone to accidents and violations could pay up to $2,938 or more
- The price with full coverage for a teen driver can cost as much as $5,138 a year
Auto insurance prices for a Hyundai Ioniq Hybrid are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $5,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $510 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Hyundai Ioniq Hybrid insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,930 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different between companies.
| 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 Buy Cheaper Hyundai Ioniq Hybrid Insurance
Getting lower rates on Hyundai Ioniq Hybrid insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a condensed summary of the ideas that were presented in the illustrations above.
- Teenage drivers are the costliest to insure, possibly costing $428 a month if full coverage is included
- High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,590 more annually for auto insurance
- Increasing physical damage deductibles could save up to $500 each year
- You may be able to save approximately $160 per year simply by quoting online in advance
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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