Hyundai Sonata Hybrid Insurance Rates
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Michelle Robbins
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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 for full coverage. Comprehensive insurance costs around $202 each year, collision insurance costs $340, and liability is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,720 or more. 16-year-old drivers pay the most at up to $5,004 a year.
Average premium for full coverage: $1,256
Premium estimates for type of coverage:
These estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Sonata Hybrid models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Hyundai Sonata Hybrid range from as low as $588 for just liability insurance to a high rate of $2,720 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.
These rate differences show why all drivers should compare rates quotes for a specific zip code and risk profile, instead of using 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.
More Rate Details
The chart below shows average Hyundai Sonata Hybrid insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $746
- Raising to $1,000 deductibles will save about $124 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,256
- Buying low deductibles will cost an extra $236 every year
- At-risk drivers with multiple tickets or accidents could pay at least $2,720
- An auto insurance policy for full coverage for a teen driver can be $5,004
Insurance prices for a Hyundai Sonata Hybrid also have a wide range based on your driving characteristics, the trim level of your Sonata Hybrid, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age
Where you choose to live also has a big influence on Hyundai Sonata Hybrid insurance prices. A middle-age driver might find prices as low as $830 a year in states like Idaho, Maine, and Iowa, or at least $1,790 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $360 every year, whereas increasing liability limits will increase prices. Going 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 could be paying at least $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates
| 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 Cheap Hyundai Sonata Hybrid Insurance
Finding better rates on car insurance consists of having a good driving record, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every couple of years by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The next list is a brief summary of the material that was raised in the charts and tables above.
- Policyholders who may need increased levels of liability coverage will pay around $590 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Drivers age 20 and younger pay higher prices, as much as $417 per month for full coverage
- Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,460 more every year to buy Hyundai Sonata Hybrid insurance
- Increasing policy deductibles can save around $350 each year
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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