Hyundai Sonata Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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Average auto insurance rates for a Hyundai Sonata Hybrid are $1,216 annually including full coverage. Comprehensive costs on average $186, collision insurance costs $316, and liability costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs around $2,636. 16-year-old drivers receive the highest rates at up to $4,886 a year.
Average premium for full coverage: $1,216
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different Sonata Hybrid trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $588 for the bare minimum liability coverage to a much higher rate of $2,636 for a policy for a high-risk driver.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how rural and urban location affects car insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.
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 Sonata Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $724
- Drivers who choose higher $1,000 deductibles will pay around $114 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,216
- Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,436
- Drivers with multiple tickets or accidents could pay upwards of $2,636
- The cost with full coverage for a 16-year-old driver with full coverage may cost $4,886 a year
Insurance rates for a Hyundai Sonata Hybrid can also vary considerably based on the trim level of your Sonata Hybrid, your driving characteristics, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can cost from 43% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $340 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Hyundai Sonata Hybrid insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,730 on average in Michigan, New York, and Louisiana.
| 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 Buy the Best Hyundai Sonata Hybrid Insurance
Saving money on insurance for a Hyundai Sonata Hybrid not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below is a brief recap of the coverage data raised in the charts and tables above.
- You may be able to save as much as $140 per year just by shopping early and online
- Increasing deductibles could save up to $325 each year
- Teenage drivers pay higher rates, as much as $407 per month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations pay on average $1,420 more each year for auto insurance
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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