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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The average insurance rates for a Hyundai Sonata Hybrid are $1,216 a year for full coverage. Comprehensive costs around $186, collision costs $316, and liability is $534. Liability-only insurance costs around $588 a year, with high-risk driver 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 for type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Sonata Hybrid models.
Price Range Variability
Using a 40-year-old driver as an example, Hyundai Sonata Hybrid insurance rates go from the low end price of $588 for just the minimum liability insurance to the much higher price of $2,636 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above show why everyone should compare rates quotes for a specific zip code, 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 Analysis
The chart below shows estimated Hyundai Sonata Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $724
- Raising to $1,000 deductibles will save about $114 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,216
- Using pricier low deductibles bumps up the cost to $1,436
- Drivers who are prone to accidents and violations could pay at least $2,636 or more
- Policy cost that insures a 16-year-old driver for full coverage can be $4,886
Auto insurance rates for a Hyundai Sonata Hybrid also range considerably based on the model of your Sonata Hybrid, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium every year, depending on your age. Hyundai Sonata Hybrid insurance for high-risk drivers is expensive and can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision 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, since even teens with perfect driving records will have to pay as much as $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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,730 on average in Michigan, Louisiana, and New York.
| 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, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.
| 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 Cheaper Hyundai Sonata Hybrid Insurance
Finding cheaper rates on insurance for a Hyundai Sonata Hybrid consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at every policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.
The following list is a condensed summary of the data raised in the charts and tables above.
- Insureds who may need an increased level of liability coverage will pay an extra $590 each year to raise from a 30/60 limit to the 250/500 level
- Drivers can save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $325 each year
- Drivers age 16 to 20 are expensive to insure, costing up to $407 each month if the policy includes full coverage
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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