Hyundai Sonata Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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Estimated insurance rates for a Hyundai Sonata Hybrid are $1,256 a year including full coverage. Comprehensive insurance costs on average $202, collision costs $340, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,720 or more. Teens pay the most at $5,004 a year or more.
Average premium for full coverage: $1,256
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Sonata Hybrid trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Hyundai Sonata Hybrid go from as low as $588 for liability-only coverage to a much higher rate of $2,720 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates based on a specific location 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 Charts and Tables
The chart below breaks down estimated Hyundai Sonata Hybrid insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $746
- Drivers who choose higher $1,000 deductibles will pay around $124 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,256
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $236 a year
- High risk drivers with serious driving violations could pay upwards of $2,720 or more
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $5,004 a year
Insurance prices for a Hyundai Sonata Hybrid also have a wide range based on your driving characteristics, the model of your Sonata Hybrid, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age
Where you choose to live makes a big difference in Hyundai Sonata Hybrid insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,790 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,134 | -$122 | -9.7% |
| Alaska | $962 | -$294 | -23.4% |
| Arizona | $1,044 | -$212 | -16.9% |
| Arkansas | $1,256 | -$0 | 0.0% |
| California | $1,430 | $174 | 13.9% |
| Colorado | $1,196 | -$60 | -4.8% |
| Connecticut | $1,290 | $34 | 2.7% |
| Delaware | $1,420 | $164 | 13.1% |
| Florida | $1,570 | $314 | 25.0% |
| Georgia | $1,160 | -$96 | -7.6% |
| Hawaii | $900 | -$356 | -28.3% |
| Idaho | $850 | -$406 | -32.3% |
| Illinois | $932 | -$324 | -25.8% |
| Indiana | $948 | -$308 | -24.5% |
| Iowa | $848 | -$408 | -32.5% |
| Kansas | $1,192 | -$64 | -5.1% |
| Kentucky | $1,712 | $456 | 36.3% |
| Louisiana | $1,858 | $602 | 47.9% |
| Maine | $776 | -$480 | -38.2% |
| Maryland | $1,036 | -$220 | -17.5% |
| Massachusetts | $1,004 | -$252 | -20.1% |
| Michigan | $2,178 | $922 | 73.4% |
| Minnesota | $1,052 | -$204 | -16.2% |
| Mississippi | $1,504 | $248 | 19.7% |
| Missouri | $1,114 | -$142 | -11.3% |
| Montana | $1,348 | $92 | 7.3% |
| Nebraska | $992 | -$264 | -21.0% |
| Nevada | $1,506 | $250 | 19.9% |
| New Hampshire | $906 | -$350 | -27.9% |
| New Jersey | $1,406 | $150 | 11.9% |
| New Mexico | $1,110 | -$146 | -11.6% |
| New York | $1,322 | $66 | 5.3% |
| North Carolina | $724 | -$532 | -42.4% |
| North Dakota | $1,030 | -$226 | -18.0% |
| Ohio | $866 | -$390 | -31.1% |
| Oklahoma | $1,288 | $32 | 2.5% |
| Oregon | $1,150 | -$106 | -8.4% |
| Pennsylvania | $1,196 | -$60 | -4.8% |
| Rhode Island | $1,674 | $418 | 33.3% |
| South Carolina | $1,138 | -$118 | -9.4% |
| South Dakota | $1,060 | -$196 | -15.6% |
| Tennessee | $1,096 | -$160 | -12.7% |
| Texas | $1,512 | $256 | 20.4% |
| Utah | $930 | -$326 | -26.0% |
| Vermont | $860 | -$396 | -31.5% |
| Virginia | $752 | -$504 | -40.1% |
| Washington | $968 | -$288 | -22.9% |
| West Virginia | $1,152 | -$104 | -8.3% |
| Wisconsin | $868 | -$388 | -30.9% |
| Wyoming | $1,118 | -$138 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $360 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every company calculates prices differently, so the prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata Hybrid | $306 | $600 | $440 | $1,526 |
| 2023 Hyundai Sonata Hybrid | $294 | $596 | $450 | $1,520 |
| 2022 Hyundai Sonata Hybrid | $284 | $582 | $470 | $1,516 |
| 2021 Hyundai Sonata Hybrid | $274 | $558 | $486 | $1,498 |
| 2020 Hyundai Sonata Hybrid | $260 | $538 | $500 | $1,478 |
| 2019 Hyundai Sonata Hybrid | $250 | $500 | $510 | $1,440 |
| 2018 Hyundai Sonata Hybrid | $240 | $470 | $514 | $1,404 |
| 2015 Hyundai Sonata Hybrid | $206 | $364 | $524 | $1,274 |
| 2014 Hyundai Sonata Hybrid | $202 | $340 | $534 | $1,256 |
| 2013 Hyundai Sonata Hybrid | $186 | $316 | $534 | $1,216 |
Rates are averaged for all Hyundai Sonata 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 Sonata Hybrid Insurance
Finding better rates on Hyundai Sonata Hybrid insurance not only requires having a decent driving record, but also maintaining good credit, refrain from filing small claims, and bundling your home and auto policies. Take the time to comparison shop every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a review of the coverage data touched on in the above illustrations.
- You may be able to save as much as $140 per year simply by shopping early and online
- Increasing policy deductibles can save around $350 each year
- 16 to 18-year-old drivers pay the highest prices, with the cost nearing $417 per month for full coverage
- High-risk drivers who have several accidents or serious violations may pay on average $1,460 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,004 |
| 20 | $2,900 |
| 30 | $1,284 |
| 40 | $1,256 |
| 50 | $1,154 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,382 |
| $500 | $1,256 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,256 |
| 50/100 | $1,363 |
| 100/300 | $1,496 |
| 250/500 | $1,843 |
| 100 CSL | $1,416 |
| 300 CSL | $1,710 |
| 500 CSL | $1,924 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,080 |
| 20 | $4,626 |
| 30 | $2,752 |
| 40 | $2,720 |
| 50 | $2,602 |
| 60 | $2,576 |
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 | $65 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $49 |
| Advance Quote | $58 |
| Online Quote | $86 |
| Total Discounts | $510 |
Discounts are estimated and may not be available from every company or in every state.
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