Hyundai Sonata 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: Apr 15, 2024
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Estimated insurance prices for a Hyundai Sonata Hybrid are $1,216 every 12 months including full coverage. Comprehensive insurance costs approximately $186, collision insurance costs $316, and liability coverage is estimated at $534. Liability-only insurance costs approximately $588 a year, and high-risk driver insurance costs $2,636 or more. Teens pay the most at up to $4,886 a year.
Average premium for full coverage: $1,216
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Sonata Hybrid models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Hyundai Sonata Hybrid range from the cheapest price of $588 for a discount liability-only rate to the much higher price of $2,636 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.
These rate differences highlight why everyone should get quotes using their specific location and their own driving history, rather than using 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.
Rates by State, City, and Model
The chart below breaks down average Hyundai Sonata Hybrid insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $724
- Choosing higher $1,000 deductibles can save $114 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,216
- Selecting pricier low deductibles for comp and collision coverage costs an extra $220 each year
- Drivers with serious driving violations could pay around $2,636
- An auto insurance policy to insure a teenage driver for full coverage can cost $4,886 each year
Insurance prices for a Hyundai Sonata Hybrid also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Sonata Hybrid.
Choosing higher comprehensive and collision insurance deductibles can save as much as $340 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Hyundai Sonata Hybrid insurance for high-risk drivers ranges around 43% to 137% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Hyundai Sonata Hybrid insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,730 on average in Louisiana, 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% |
| 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 Shop for Low Cost Hyundai Sonata Hybrid Insurance
Finding better rates on auto insurance takes being a good driver, having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Take the time to comparison shop every year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The following list is a review of the coverage data touched on in the above illustrations.
- You may be able to save around $140 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $325 each year
- Drivers age 16 to 20 are the costliest to insure, with the cost nearing $407 per month if full coverage is included
- Drivers who have several accidents or serious violations could be charged and average of $1,420 more per year than a safer driver
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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