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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Average auto insurance rates for a Hyundai Sonata Hybrid are $1,216 annually with full coverage. Comprehensive insurance costs an estimated $186 each year, collision costs $316, and liability is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing $2,636 or more. 16-year-old drivers receive the highest rates at $4,886 a year or more.
Average premium for full coverage: $1,216
Rate estimates broken down by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Sonata Hybrid models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $588 for just liability coverage to a high rate of $2,636 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than congested cities.
The graphic below illustrates how location impacts insurance prices.
These examples demonstrate why all drivers should compare rates quotes for a targeted area 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.
Detailed Rate Analysis
The chart below details estimated Hyundai Sonata Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $724
- Raising to $1,000 deductibles will save approximately $114 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,216
- Buying low deductibles costs an additional $220 annually
- Drivers with multiple tickets or accidents could pay up to $2,636 or more
- The cost with full coverage for a 16-year-old driver can cost as much as $4,886
Auto insurance rates for a Hyundai Sonata Hybrid can also vary considerably based on the trim level of your Sonata Hybrid, your driving record, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $340 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Hyundai Sonata Hybrid insurance prices. A middle-age driver might find rates as low as $880 a year in states like Utah, Ohio, and New Hampshire, or at least $1,640 on average in New York, Michigan, and Florida.
| 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% |
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different between companies.
| 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 Cheaper Hyundai Sonata Hybrid Insurance
Saving money on insurance for a Hyundai Sonata Hybrid consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The following items are a condensed summary of the information touched on above.
- You may be able to save approximately $140 per year simply by quoting online in advance
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $407 per month if full coverage is included
- Increasing deductibles could save up to $325 each year
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,420 more annually than a driver with a clean driving record
- Insureds who want additional liability coverage will pay around $590 every year to raise from a minimum limit to higher 250/500 limits
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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