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 rates for a Hyundai Ioniq Hybrid are $1,352 a year for full coverage. Comprehensive costs around $262, collision insurance costs $502, and liability coverage costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs around $2,938. Teenage drivers receive the highest rates at up to $5,138 a year.
Average premium for full coverage: $1,352
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all Ioniq Hybrid models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $486 for liability-only coverage to the much higher price of $2,938 for high-risk insurance.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.
These examples show why everyone should compare prices for a specific zip code, rather than using 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 Charts and Tables
The chart below shows average Hyundai Ioniq Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $776
- Using higher $1,000 deductibles will save about $172 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,352
- Using pricier low deductibles for physical damage coverage bumps up the cost to $1,690
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,938
- The cost that insures a teenage driver for full coverage can be $5,138 or more
Car insurance rates for a Hyundai Ioniq Hybrid can also vary considerably based on the model of your Ioniq Hybrid, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. Hyundai Ioniq Hybrid insurance for high-risk drivers can be around 43% to 132% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $5,100 a year. View Rates by Age
Where you live has a huge impact on Hyundai Ioniq Hybrid insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,930 on average in Michigan, Louisiana, 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% |
Using high physical damage deductibles could cut rates by as much as $510 a year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Affordable Hyundai Ioniq Hybrid Insurance
Saving money on auto insurance requires being safe and accident-free, having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Compare prices every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a brief review of the material that was raised in the charts and tables above.
- Consumers who may need more liability protection will pay an extra $470 each year to increase from a minimum limit to the 250/500 level
- Youthful drivers are the costliest to insure, costing as high as $428 per month if full coverage is purchased
- Drivers with DUI or reckless driving convictions pay on average $1,590 more every year than a low-risk driver
- Increasing deductibles can save approximately $500 each year
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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