Hyundai Sonata Hybrid Insurance Rates

The average insurance rates for a Hyundai Sonata Hybrid are $1,216 a year including full coverage. Comprehensive costs on average $186 each year, collision costs $316, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage 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:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Sonata Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above highlight why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down 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 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,216
• Selecting low deductibles for comp and collision coverage will increase the cost to $1,436
• Higher-risk drivers with serious driving violations could pay upwards of $2,636 or more
• Policy cost for full coverage for a 16-year-old driver may cost $4,886 each year

View Chart as Image

Insurance rates for a Hyundai Sonata Hybrid also range considerably based on your risk profile, the model of your Sonata Hybrid, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

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 $930 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,730 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and rates will be varied from one company to the next.

How to Find Cheap Hyundai Sonata Hybrid Insurance

Finding cheaper rates on insurance for a Hyundai Sonata Hybrid takes being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to compare rates every time your policy renews by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief summary of the information covered in the above illustrations.

• You may be able to save as much as $140 per year simply by quoting online in advance
• Youthful drivers pay higher rates, with premiums being up to $407 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,420 more each year than a low-risk driver
• Insureds who require more liability protection will pay approximately $590 per year to raise limits from a 30/60 limit to 250/500 limits