Hyundai Sonata Insurance Rates
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UPDATED: Mar 31, 2024
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How much does a Hyundai Sonata cost to insure? The average annual cost for Hyundai Sonata insurance is $1,426 a year, or $118 a month. Read our guide to learn what drivers can do to save on Hyundai Sonatas, whether its 2016 or 2015 Hyundai Sonata insurance rates.
Enter your ZIP code in our free tool above to get started on finding the best Hyundai Sonata insurance costs.
Average auto insurance rates for a Hyundai Sonata are $1,406 annually for full coverage. Comprehensive costs approximately $270 each year, collision insurance costs $506, and liability costs $450. A policy with just liability insurance costs as little as $518 a year, and coverage for high-risk drivers costs around $3,044. Teenage drivers receive the highest rates at up to $5,364 a year.
Average premium for full coverage: $1,406
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Sonata models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $518 for just the minimum liability insurance to a high rate of $3,044 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
These examples show why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.
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 Rate Analysis
The chart below shows average Hyundai Sonata insurance rates for additional coverage and risk scenarios.
- The best discount rate is $818
- Drivers who choose higher $1,000 deductibles will pay $176 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,406
- Using low deductibles for comprehensive and collision insurance will cost $1,748
- Drivers who are prone to accidents and violations could pay around $3,044
- The cost with full coverage for a 16-year-old driver can cost $5,364 a year
Insurance rates for a Hyundai Sonata can also vary considerably based on the trim level of your Sonata, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $520 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $405 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Hyundai Sonata insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,010 on average in New York, Louisiana, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,272 | -$134 | -9.5% |
Alaska | $1,078 | -$328 | -23.3% |
Arizona | $1,168 | -$238 | -16.9% |
Arkansas | $1,406 | -$0 | 0.0% |
California | $1,602 | $196 | 13.9% |
Colorado | $1,340 | -$66 | -4.7% |
Connecticut | $1,442 | $36 | 2.6% |
Delaware | $1,592 | $186 | 13.2% |
Florida | $1,758 | $352 | 25.0% |
Georgia | $1,298 | -$108 | -7.7% |
Hawaii | $1,010 | -$396 | -28.2% |
Idaho | $954 | -$452 | -32.1% |
Illinois | $1,046 | -$360 | -25.6% |
Indiana | $1,060 | -$346 | -24.6% |
Iowa | $948 | -$458 | -32.6% |
Kansas | $1,336 | -$70 | -5.0% |
Kentucky | $1,918 | $512 | 36.4% |
Louisiana | $2,080 | $674 | 47.9% |
Maine | $868 | -$538 | -38.3% |
Maryland | $1,160 | -$246 | -17.5% |
Massachusetts | $1,124 | -$282 | -20.1% |
Michigan | $2,440 | $1,034 | 73.5% |
Minnesota | $1,178 | -$228 | -16.2% |
Mississippi | $1,686 | $280 | 19.9% |
Missouri | $1,246 | -$160 | -11.4% |
Montana | $1,510 | $104 | 7.4% |
Nebraska | $1,108 | -$298 | -21.2% |
Nevada | $1,686 | $280 | 19.9% |
New Hampshire | $1,014 | -$392 | -27.9% |
New Jersey | $1,572 | $166 | 11.8% |
New Mexico | $1,244 | -$162 | -11.5% |
New York | $1,482 | $76 | 5.4% |
North Carolina | $810 | -$596 | -42.4% |
North Dakota | $1,150 | -$256 | -18.2% |
Ohio | $970 | -$436 | -31.0% |
Oklahoma | $1,442 | $36 | 2.6% |
Oregon | $1,286 | -$120 | -8.5% |
Pennsylvania | $1,340 | -$66 | -4.7% |
Rhode Island | $1,874 | $468 | 33.3% |
South Carolina | $1,276 | -$130 | -9.2% |
South Dakota | $1,188 | -$218 | -15.5% |
Tennessee | $1,230 | -$176 | -12.5% |
Texas | $1,692 | $286 | 20.3% |
Utah | $1,042 | -$364 | -25.9% |
Vermont | $962 | -$444 | -31.6% |
Virginia | $842 | -$564 | -40.1% |
Washington | $1,086 | -$320 | -22.8% |
West Virginia | $1,288 | -$118 | -8.4% |
Wisconsin | $972 | -$434 | -30.9% |
Wyoming | $1,254 | -$152 | -10.8% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
Hyundai Sonata SE 4-Dr Sedan | $1,448 | $121 |
Hyundai Sonata SE 4-Dr Sedan | $1,448 | $121 |
Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Hyundai Sonata | $280 | $512 | $440 | $1,412 |
2023 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
2022 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
2021 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
2020 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
2019 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
2018 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
2017 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
2016 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
2015 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
2014 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
2013 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
2012 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
2011 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
2010 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
2009 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
2008 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
2007 Hyundai Sonata | $136 | $168 | $510 | $994 |
2006 Hyundai Sonata | $126 | $160 | $504 | $970 |
2005 Hyundai Sonata | $120 | $152 | $500 | $952 |
Rates are averaged for all Hyundai Sonata 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 More Affordable Hyundai Sonata Insurance
Saving money on insurance for a Hyundai Sonata not only requires avoiding accidents and claims, but also having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest time comparing rates at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The points below are a summary of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,640 more per year to insure a Hyundai Sonata
- Drivers can save around $170 per year just by quoting online in advance
- Increasing deductibles could save up to $525 each year
- Insureds who purchase increased liability limits will pay an extra $500 each year to go from a minimum limit to higher 250/500 limits
Quotes will help you save on Hyundai Sonatas, regardless of whether you’re searching for 2012, 2009, or 2006 Hyundai Sonata trim levels or the cheapest Hyundai 2016 rates.
To find out what is the insurance cost of a Hyundai Sonata, enter your ZIP code in our free tool below.
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What are the safety ratings of the Hyundai Sonata?
The Hyundai Sonata has some great safety features that can help reduce rates, such as brake assist, electronic stability control, traction control, lane departure warning, and lane-keeping assist. However, Hyundai Sonatas that are old may not have as many safety features.
The Insurance Institute for Highway Safety (IIHS) gave the Hyundai Sonata a 2020 Top Safety Pick award for its crash test ratings (below).
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating. The video below shows how the IIHS tested the Hyundai Sonata.
Hyundai Sonata Compared Against Other Vehicles in the Same Class
How much for a Hyundai Sonata liability insurance plan? This will partly depend on the liability insurance losses. The Hyundai Sonata is a midsize car, and the IIHS found that in comparison to other midsize cars, the Hyundai Sonata’s liability losses are substantially worse than average.
To understand just how much Hyundai Sonata’s insurance rates differ from other midsize car’s rates, take a look at the midsize cars below.
Frequently Asked Questions
- Are Hyundai Sonata expensive to repair? According to RepairPal, “The average total annual cost for repairs and maintenance on a Hyundai Sonata is $458, compared to an average of $526 for midsize cars and $652 for all vehicle models.”
- How much is a fully loaded Hyundai Sonata? It would cost you $33,300.
Remember to shop around for Hyundai Sonata insurance rates to save on everything from Hyundai Sonata costs for a 2015 model to Hyundai gap claims. Enter your ZIP code in our free tool to get started.
References
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,364 |
20 | $3,260 |
30 | $1,460 |
40 | $1,406 |
50 | $1,286 |
60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,748 |
$250 | $1,590 |
$500 | $1,406 |
$1,000 | $1,230 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,406 |
50/100 | $1,580 |
100/300 | $1,693 |
250/500 | $1,985 |
100 CSL | $1,625 |
300 CSL | $1,873 |
500 CSL | $2,053 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,628 |
20 | $5,184 |
30 | $3,104 |
40 | $3,044 |
50 | $2,908 |
60 | $2,882 |
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 | $74 |
Multi-vehicle | $74 |
Homeowner | $21 |
5-yr Accident Free | $101 |
5-yr Claim Free | $90 |
Paid in Full/EFT | $62 |
Advance Quote | $68 |
Online Quote | $98 |
Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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