Hyundai Ioniq Hybrid Insurance Rates
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UPDATED: May 20, 2024
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The average insurance rates for a Hyundai Ioniq Hybrid are $1,370 a year including full coverage. Comprehensive insurance costs an estimated $272 each year, collision insurance costs $524, and liability insurance costs around $416. Liability-only insurance costs as low as $474 a year, and high-risk driver insurance costs $2,976 or more. Teens cost the most to insure at up to $5,174 a year.
Average premium for full coverage: $1,370
Policy rates broken down by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Ioniq Hybrid models.
Price Range Variability
Using a middle-aged driver as an example, Hyundai Ioniq Hybrid insurance rates range from as low as $474 for the bare minimum liability coverage to a high rate of $2,976 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects insurance prices.
The examples above highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying on 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 Information
The chart below breaks down average Hyundai Ioniq Hybrid insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $786
- Using higher $1,000 deductibles will save approximately $182 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,370
- Selecting low deductibles for physical damage coverage will cost an extra $350 a year
- Drivers with serious driving violations could pay up to $2,976
- Policy cost for full coverage for a teen driver can cost as much as $5,174 or more
Auto insurance rates for a Hyundai Ioniq Hybrid also range considerably based on your risk profile, the model of your Ioniq Hybrid, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age
Your home state has a huge impact on Hyundai Ioniq Hybrid insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,960 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$130 | -9.5% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,560 | $190 | 13.9% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,410 | $40 | 2.9% |
| Delaware | $1,550 | $180 | 13.1% |
| Florida | $1,714 | $344 | 25.1% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $984 | -$386 | -28.2% |
| Idaho | $926 | -$444 | -32.4% |
| Illinois | $1,020 | -$350 | -25.5% |
| Indiana | $1,032 | -$338 | -24.7% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,304 | -$66 | -4.8% |
| Kentucky | $1,870 | $500 | 36.5% |
| Louisiana | $2,028 | $658 | 48.0% |
| Maine | $844 | -$526 | -38.4% |
| Maryland | $1,130 | -$240 | -17.5% |
| Massachusetts | $1,096 | -$274 | -20.0% |
| Michigan | $2,380 | $1,010 | 73.7% |
| Minnesota | $1,146 | -$224 | -16.4% |
| Mississippi | $1,642 | $272 | 19.9% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,080 | -$290 | -21.2% |
| Nevada | $1,642 | $272 | 19.9% |
| New Hampshire | $988 | -$382 | -27.9% |
| New Jersey | $1,530 | $160 | 11.7% |
| New Mexico | $1,212 | -$158 | -11.5% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $790 | -$580 | -42.3% |
| North Dakota | $1,120 | -$250 | -18.2% |
| Ohio | $948 | -$422 | -30.8% |
| Oklahoma | $1,408 | $38 | 2.8% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,826 | $456 | 33.3% |
| South Carolina | $1,240 | -$130 | -9.5% |
| South Dakota | $1,158 | -$212 | -15.5% |
| Tennessee | $1,200 | -$170 | -12.4% |
| Texas | $1,652 | $282 | 20.6% |
| Utah | $1,016 | -$354 | -25.8% |
| Vermont | $938 | -$432 | -31.5% |
| Virginia | $822 | -$548 | -40.0% |
| Washington | $1,060 | -$310 | -22.6% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $948 | -$422 | -30.8% |
| Wyoming | $1,220 | -$150 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Hyundai Ioniq Hybrid | $272 | $524 | $416 | $1,370 |
| 2021 Hyundai Ioniq Hybrid | $262 | $502 | $430 | $1,352 |
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
Finding cheaper rates on Hyundai Ioniq Hybrid insurance requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief review of the ideas that were touched on in the above illustrations.
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $431 each month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,610 more annually than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $525 each year
- You may be able to save approximately $170 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,174 |
| 20 | $3,180 |
| 30 | $1,428 |
| 40 | $1,370 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,720 |
| $250 | $1,558 |
| $500 | $1,370 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,453 |
| 100/300 | $1,557 |
| 250/500 | $1,828 |
| 100 CSL | $1,495 |
| 300 CSL | $1,724 |
| 500 CSL | $1,890 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,376 |
| 20 | $5,066 |
| 30 | $3,038 |
| 40 | $2,976 |
| 50 | $2,842 |
| 60 | $2,816 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $584 |
Discounts are estimated and may not be available from every company or in every state.
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