Hyundai Sonata Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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The average insurance rates for a Hyundai Sonata Hybrid are $1,216 a year for full coverage insurance. Comprehensive costs an estimated $186, collision costs $316, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,636. Teenage drivers cost the most to insure at $4,886 a year or more.
Average premium for full coverage: $1,216
Policy rates broken down by type of insurance:
Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Sonata Hybrid trim levels.
Price Range Variability
For the average 40-year-old driver, Hyundai Sonata Hybrid insurance rates go from as low as $588 for minimum levels of liability insurance to a much higher rate of $2,636 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.
The price range example below illustrates the difference location can make on insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based 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 Details
The chart below illustrates estimated Hyundai Sonata Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $724
- Raising to $1,000 deductibles will save approximately $114 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,216
- Using more expensive low deductibles will increase the cost to $1,436
- Drivers who are prone to accidents and violations could pay up to $2,636 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,886
Car insurance rates for a Hyundai Sonata Hybrid also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
An older driver with no driving violations and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,800 a year. View Rates by Age
Your home state also has a big influence on Hyundai Sonata Hybrid insurance prices. A middle-age driver might find rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,640 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,098 | -$118 | -9.7% |
| Alaska | $934 | -$282 | -23.2% |
| Arizona | $1,012 | -$204 | -16.8% |
| Arkansas | $1,216 | -$0 | 0.0% |
| California | $1,388 | $172 | 14.1% |
| Colorado | $1,158 | -$58 | -4.8% |
| Connecticut | $1,250 | $34 | 2.8% |
| Delaware | $1,376 | $160 | 13.2% |
| Florida | $1,522 | $306 | 25.2% |
| Georgia | $1,122 | -$94 | -7.7% |
| Hawaii | $872 | -$344 | -28.3% |
| Idaho | $824 | -$392 | -32.2% |
| Illinois | $904 | -$312 | -25.7% |
| Indiana | $918 | -$298 | -24.5% |
| Iowa | $820 | -$396 | -32.6% |
| Kansas | $1,156 | -$60 | -4.9% |
| Kentucky | $1,660 | $444 | 36.5% |
| Louisiana | $1,800 | $584 | 48.0% |
| Maine | $752 | -$464 | -38.2% |
| Maryland | $1,004 | -$212 | -17.4% |
| Massachusetts | $972 | -$244 | -20.1% |
| Michigan | $2,110 | $894 | 73.5% |
| Minnesota | $1,018 | -$198 | -16.3% |
| Mississippi | $1,458 | $242 | 19.9% |
| Missouri | $1,078 | -$138 | -11.3% |
| Montana | $1,304 | $88 | 7.2% |
| Nebraska | $960 | -$256 | -21.1% |
| Nevada | $1,460 | $244 | 20.1% |
| New Hampshire | $878 | -$338 | -27.8% |
| New Jersey | $1,360 | $144 | 11.8% |
| New Mexico | $1,076 | -$140 | -11.5% |
| New York | $1,280 | $64 | 5.3% |
| North Carolina | $702 | -$514 | -42.3% |
| North Dakota | $998 | -$218 | -17.9% |
| Ohio | $840 | -$376 | -30.9% |
| Oklahoma | $1,248 | $32 | 2.6% |
| Oregon | $1,114 | -$102 | -8.4% |
| Pennsylvania | $1,158 | -$58 | -4.8% |
| Rhode Island | $1,622 | $406 | 33.4% |
| South Carolina | $1,104 | -$112 | -9.2% |
| South Dakota | $1,028 | -$188 | -15.5% |
| Tennessee | $1,064 | -$152 | -12.5% |
| Texas | $1,466 | $250 | 20.6% |
| Utah | $900 | -$316 | -26.0% |
| Vermont | $834 | -$382 | -31.4% |
| Virginia | $726 | -$490 | -40.3% |
| Washington | $938 | -$278 | -22.9% |
| West Virginia | $1,114 | -$102 | -8.4% |
| Wisconsin | $842 | -$374 | -30.8% |
| Wyoming | $1,082 | -$134 | -11.0% |
Using high physical damage deductibles can reduce rates by up to $340 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata Hybrid | $294 | $596 | $450 | $1,520 |
| 2023 Hyundai Sonata Hybrid | $284 | $582 | $470 | $1,516 |
| 2022 Hyundai Sonata Hybrid | $274 | $558 | $486 | $1,498 |
| 2021 Hyundai Sonata Hybrid | $260 | $538 | $500 | $1,478 |
| 2020 Hyundai Sonata Hybrid | $250 | $500 | $510 | $1,440 |
| 2019 Hyundai Sonata Hybrid | $240 | $470 | $514 | $1,404 |
| 2018 Hyundai Sonata Hybrid | $230 | $422 | $520 | $1,352 |
| 2015 Hyundai Sonata Hybrid | $202 | $340 | $534 | $1,256 |
| 2014 Hyundai Sonata Hybrid | $186 | $316 | $534 | $1,216 |
| 2013 Hyundai Sonata Hybrid | $182 | $286 | $540 | $1,188 |
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 cheaper rates on insurance for a Hyundai Sonata Hybrid consists of being a low-risk driver, having above-average credit, being claim-free, and not having any coverage lapses. Make time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a review of the material that was touched on in this article.
- Insureds who want more liability coverage will pay an extra $590 annually to raise from a 30/60 limit to 250/500 limits
- Teen drivers have the highest car insurance rates, possibly costing $407 each month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,420 more annually to insure their Sonata Hybrid
- Increasing comprehensive and collision deductibles can save around $325 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,886 |
| 20 | $2,812 |
| 30 | $1,242 |
| 40 | $1,216 |
| 50 | $1,118 |
| 60 | $1,096 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,436 |
| $250 | $1,334 |
| $500 | $1,216 |
| $1,000 | $1,102 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,216 |
| 50/100 | $1,323 |
| 100/300 | $1,456 |
| 250/500 | $1,803 |
| 100 CSL | $1,376 |
| 300 CSL | $1,670 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,906 |
| 20 | $4,486 |
| 30 | $2,664 |
| 40 | $2,636 |
| 50 | $2,522 |
| 60 | $2,498 |
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 | $62 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $47 |
| Advance Quote | $56 |
| Online Quote | $83 |
| Total Discounts | $492 |
Discounts are estimated and may not be available from every company or in every state.
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