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 prices for a Hyundai Sonata Hybrid are $1,216 every 12 months with full coverage. Comprehensive costs on average $186, collision costs $316, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing around $2,636. Teens cost the most to insure at $4,886 a year or more.
Average premium for full coverage: $1,216
Policy rates by type of insurance:
Full coverage includes $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Sonata Hybrid trim levels.
Price Range Variability
Using a middle-aged driver as an example, Hyundai Sonata Hybrid insurance rates go from the cheapest price of $588 for just liability coverage to a much higher rate of $2,636 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of 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.
Detailed Rate Analysis
The chart below details estimated Hyundai Sonata Hybrid insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $724
- Choosing higher $1,000 deductibles can save around $114 annually
- The average price for a good driver age 40 with $500 deductibles is $1,216
- Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,436
- Unlucky drivers with serious driving violations could pay upwards of $2,636 or more
- Policy cost to insure a teen driver with full coverage may cost $4,886 each year
Car insurance rates for a Hyundai Sonata Hybrid also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Sonata Hybrid.
Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges as much as 43% to 137% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Hyundai Sonata Hybrid insurance prices. A good driver about age 40 could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,640 on average in Florida, Michigan, 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes 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 Shop for More Affordable Hyundai Sonata Hybrid Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at least once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
The following is a summary of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $140 per year simply by shopping early and online
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,420 more each year for Sonata Hybrid insurance
- Increasing comprehensive and collision deductibles could save as much as $325 each year
- Teens are expensive to insure, as much as $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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