Hyundai Sonata Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Hyundai Sonata insurance
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 insurance rates for a Hyundai Sonata are $1,390 a year including full coverage. Comprehensive costs around $250 each year, collision costs $474, and liability coverage is estimated at $486. Liability-only coverage costs approximately $548 a year, with high-risk coverage costing around $3,016. Teenage drivers receive the highest rates at $5,372 a year or more.

Average premium for full coverage: $1,390

Rate estimates for individual coverage type:

Comprehensive $250
Collision $474
Liability $486

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sonata models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $548 for liability-only coverage to a high rate of $3,016 for a policy for a high-risk driver.

Liability Only $548
Full Coverage $1,390
High Risk $3,016

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $1,043
Small Cities $1,460
Large Cities $1,877

These examples highlight why all drivers should get quotes for a specific zip code and risk profile, rather than using 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 Charts and Tables

The chart below breaks down estimated Hyundai Sonata insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $809
  • Choosing higher $1,000 deductibles can save about $164 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,390
  • Using low deductibles for comp and collision coverage will increase the cost to $1,712
  • Drivers who are prone to accidents and violations could pay at least $3,016 or more
  • The cost for full coverage for a teenage driver can be $5,372 each year

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing full coverage Hyundai Sonata insurance rates range from $809 to $5,372

Car insurance rates for a Hyundai Sonata can also vary considerably based on your driver profile, the model of your Sonata, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Hyundai Sonata insurance rates. A good driver about age 40 could pay as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,980 on average in Michigan, New York, and Louisiana.

Hyundai Sonata Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,254 -$136 -9.8%
Alaska $1,066 -$324 -23.3%
Arizona $1,154 -$236 -17.0%
Arkansas $1,390 -$0 0.0%
California $1,582 $192 13.8%
Colorado $1,326 -$64 -4.6%
Connecticut $1,426 $36 2.6%
Delaware $1,572 $182 13.1%
Florida $1,738 $348 25.0%
Georgia $1,284 -$106 -7.6%
Hawaii $996 -$394 -28.3%
Idaho $942 -$448 -32.2%
Illinois $1,034 -$356 -25.6%
Indiana $1,050 -$340 -24.5%
Iowa $938 -$452 -32.5%
Kansas $1,318 -$72 -5.2%
Kentucky $1,894 $504 36.3%
Louisiana $2,058 $668 48.1%
Maine $858 -$532 -38.3%
Maryland $1,148 -$242 -17.4%
Massachusetts $1,108 -$282 -20.3%
Michigan $2,412 $1,022 73.5%
Minnesota $1,162 -$228 -16.4%
Mississippi $1,666 $276 19.9%
Missouri $1,230 -$160 -11.5%
Montana $1,494 $104 7.5%
Nebraska $1,096 -$294 -21.2%
Nevada $1,666 $276 19.9%
New Hampshire $1,002 -$388 -27.9%
New Jersey $1,554 $164 11.8%
New Mexico $1,230 -$160 -11.5%
New York $1,462 $72 5.2%
North Carolina $800 -$590 -42.4%
North Dakota $1,140 -$250 -18.0%
Ohio $960 -$430 -30.9%
Oklahoma $1,426 $36 2.6%
Oregon $1,272 -$118 -8.5%
Pennsylvania $1,324 -$66 -4.7%
Rhode Island $1,852 $462 33.2%
South Carolina $1,262 -$128 -9.2%
South Dakota $1,174 -$216 -15.5%
Tennessee $1,214 -$176 -12.7%
Texas $1,672 $282 20.3%
Utah $1,026 -$364 -26.2%
Vermont $952 -$438 -31.5%
Virginia $830 -$560 -40.3%
Washington $1,072 -$318 -22.9%
West Virginia $1,272 -$118 -8.5%
Wisconsin $962 -$428 -30.8%
Wyoming $1,238 -$152 -10.9%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

Using high physical damage deductibles can save as much as $490 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $438 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 136% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Hyundai Sonata Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Sonata GLS 4-Dr Sedan $1,352 $113
Hyundai Sonata GLS 4-Dr Sedan $1,352 $113
Hyundai Sonata GLS 4-Dr Sedan $1,352 $113
Hyundai Sonata SE 4-Dr Sedan $1,430 $119
Hyundai Sonata SE 4-Dr Sedan $1,430 $119
Hyundai Sonata Limited 4-Dr Sedan $1,470 $123
Hyundai Sonata Limited 4-Dr Sedan $1,470 $123

Rates assume 2020 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.

Hyundai Sonata Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Hyundai Sonata $250 $474 $486 $1,390
2018 Hyundai Sonata $228 $424 $510 $1,342
2017 Hyundai Sonata $218 $400 $514 $1,312
2016 Hyundai Sonata $210 $358 $520 $1,268
2015 Hyundai Sonata $196 $330 $520 $1,226
2014 Hyundai Sonata $190 $310 $524 $1,204
2013 Hyundai Sonata $184 $288 $534 $1,186
2012 Hyundai Sonata $172 $268 $534 $1,154
2011 Hyundai Sonata $166 $244 $540 $1,130
2010 Hyundai Sonata $156 $222 $534 $1,092
2009 Hyundai Sonata $146 $202 $534 $1,062
2008 Hyundai Sonata $142 $182 $530 $1,034
2007 Hyundai Sonata $140 $178 $520 $1,018
2006 Hyundai Sonata $136 $168 $510 $994
2005 Hyundai Sonata $126 $160 $504 $970
2004 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 Find Cheap Hyundai Sonata Insurance

Saving money on auto insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a brief summary of the coverage data illustrated above.

  • You may be able to save up to $160 per year simply by quoting online in advance
  • Increasing deductibles can save around $475 each year
  • Teenagers are the costliest to insure, as much as $448 per month if full coverage is included
  • Drivers that tend to have accidents or serious violations pay on average $1,630 more every year for car insurance

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

  1. https://www.iihs.org/ratings/vehicle/hyundai/sonata-4-door-sedan/2020

Rates by Driver Age

Hyundai Sonata Insurance Rates by Driver Age
Driver Age Premium
16 $5,372
20 $3,224
30 $1,436
40 $1,390
50 $1,274
60 $1,248

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,712
$250 $1,562
$500 $1,390
$1,000 $1,226

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,390
50/100 $1,567
100/300 $1,689
250/500 $2,005
100 CSL $1,616
300 CSL $1,883
500 CSL $2,078

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Insurance Rates for High Risk Drivers
Age Premium
16 $7,634
20 $5,136
30 $3,068
40 $3,016
50 $2,880
60 $2,856

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.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $98
5-yr Claim Free $89
Paid in Full/EFT $60
Advance Quote $67
Online Quote $97
Total Discounts $581
Rate after discounts $809

Discounts are estimated and may not be available from every company or in every state.

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