Hyundai Sonata Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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Estimated insurance prices for a Hyundai Sonata Hybrid are $1,274 every 12 months for full coverage insurance. Comprehensive insurance costs on average $206, collision costs $364, and liability coverage is estimated at $524. Liability-only insurance costs approximately $580 a year, with high-risk driver insurance costing $2,766 or more. Teen drivers pay the most at $5,058 a year or more.
Average premium for full coverage: $1,274
Premium estimates by type of coverage:
Includes $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Sonata Hybrid trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Hyundai Sonata Hybrid go from the cheapest price of $580 for liability-only coverage to a much higher rate of $2,766 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how rural and urban location affects car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using price 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 Charts and Tables
The chart below illustrates estimated Hyundai Sonata Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $754
- Choosing higher $1,000 deductibles can save around $128 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,274
- Choosing more expensive low deductibles for comp and collision coverage costs an extra $252 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,766 or more
- An auto insurance policy to insure a teenage driver with full coverage may cost $5,058 each year
Insurance prices for a Hyundai Sonata Hybrid also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Sonata Hybrid.
Choosing high deductibles can save as much as $380 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $471 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,200 additional annually, depending on your age. High-risk driver insurance ranges around 43% to 131% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Hyundai Sonata Hybrid insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,720 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,150 | -$124 | -9.7% |
| Alaska | $976 | -$298 | -23.4% |
| Arizona | $1,060 | -$214 | -16.8% |
| Arkansas | $1,274 | -$0 | 0.0% |
| California | $1,452 | $178 | 14.0% |
| Colorado | $1,218 | -$56 | -4.4% |
| Connecticut | $1,310 | $36 | 2.8% |
| Delaware | $1,444 | $170 | 13.3% |
| Florida | $1,594 | $320 | 25.1% |
| Georgia | $1,178 | -$96 | -7.5% |
| Hawaii | $912 | -$362 | -28.4% |
| Idaho | $864 | -$410 | -32.2% |
| Illinois | $948 | -$326 | -25.6% |
| Indiana | $962 | -$312 | -24.5% |
| Iowa | $860 | -$414 | -32.5% |
| Kansas | $1,210 | -$64 | -5.0% |
| Kentucky | $1,738 | $464 | 36.4% |
| Louisiana | $1,886 | $612 | 48.0% |
| Maine | $788 | -$486 | -38.1% |
| Maryland | $1,050 | -$224 | -17.6% |
| Massachusetts | $1,018 | -$256 | -20.1% |
| Michigan | $2,214 | $940 | 73.8% |
| Minnesota | $1,068 | -$206 | -16.2% |
| Mississippi | $1,528 | $254 | 19.9% |
| Missouri | $1,130 | -$144 | -11.3% |
| Montana | $1,368 | $94 | 7.4% |
| Nebraska | $1,006 | -$268 | -21.0% |
| Nevada | $1,530 | $256 | 20.1% |
| New Hampshire | $920 | -$354 | -27.8% |
| New Jersey | $1,426 | $152 | 11.9% |
| New Mexico | $1,128 | -$146 | -11.5% |
| New York | $1,342 | $68 | 5.3% |
| North Carolina | $736 | -$538 | -42.2% |
| North Dakota | $1,046 | -$228 | -17.9% |
| Ohio | $878 | -$396 | -31.1% |
| Oklahoma | $1,306 | $32 | 2.5% |
| Oregon | $1,168 | -$106 | -8.3% |
| Pennsylvania | $1,214 | -$60 | -4.7% |
| Rhode Island | $1,700 | $426 | 33.4% |
| South Carolina | $1,158 | -$116 | -9.1% |
| South Dakota | $1,074 | -$200 | -15.7% |
| Tennessee | $1,116 | -$158 | -12.4% |
| Texas | $1,536 | $262 | 20.6% |
| Utah | $942 | -$332 | -26.1% |
| Vermont | $872 | -$402 | -31.6% |
| Virginia | $762 | -$512 | -40.2% |
| Washington | $984 | -$290 | -22.8% |
| West Virginia | $1,170 | -$104 | -8.2% |
| Wisconsin | $884 | -$390 | -30.6% |
| Wyoming | $1,136 | -$138 | -10.8% |
With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata Hybrid | $322 | $626 | $420 | $1,548 |
| 2023 Hyundai Sonata Hybrid | $306 | $600 | $440 | $1,526 |
| 2022 Hyundai Sonata Hybrid | $294 | $596 | $450 | $1,520 |
| 2021 Hyundai Sonata Hybrid | $284 | $582 | $470 | $1,516 |
| 2020 Hyundai Sonata Hybrid | $274 | $558 | $486 | $1,498 |
| 2019 Hyundai Sonata Hybrid | $260 | $538 | $500 | $1,478 |
| 2018 Hyundai Sonata Hybrid | $250 | $500 | $510 | $1,440 |
| 2015 Hyundai Sonata Hybrid | $214 | $388 | $520 | $1,302 |
| 2014 Hyundai Sonata Hybrid | $206 | $364 | $524 | $1,274 |
| 2013 Hyundai Sonata Hybrid | $202 | $340 | $534 | $1,256 |
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 the Cheapest Hyundai Sonata Hybrid Insurance
Finding better rates on auto insurance takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by requesting rates from direct insurance companies, and also from several local insurance agents.
The next list is a recap of the primary concepts that were raised in the charts and tables above.
- It is possible to save as much as $150 per year simply by shopping early and online
- Drivers that have major violations or accidents pay on average $1,490 more each year to buy Hyundai Sonata Hybrid insurance
- Increasing policy deductibles could save as much as $375 each year
- Drivers age 20 and younger pay higher prices, with premiums being up to $422 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,058 |
| 20 | $2,950 |
| 30 | $1,308 |
| 40 | $1,274 |
| 50 | $1,172 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,526 |
| $250 | $1,408 |
| $500 | $1,274 |
| $1,000 | $1,146 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,274 |
| 50/100 | $1,379 |
| 100/300 | $1,510 |
| 250/500 | $1,850 |
| 100 CSL | $1,431 |
| 300 CSL | $1,719 |
| 500 CSL | $1,929 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,164 |
| 20 | $4,708 |
| 30 | $2,798 |
| 40 | $2,766 |
| 50 | $2,644 |
| 60 | $2,620 |
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 | $66 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $88 |
| Total Discounts | $520 |
Discounts are estimated and may not be available from every company or in every state.
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