Hyundai Sonata Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Estimated insurance rates for a Hyundai Sonata are $1,404 a year for full coverage insurance. Comprehensive insurance costs an estimated $260, collision insurance costs $494, and liability costs $470. Liability-only coverage costs as little as $536 a year, and high-risk coverage costs $3,046 or more. Teen drivers pay the most at up to $5,394 a year.
Average premium for full coverage: $1,404
Premium estimates broken down by type of coverage:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Sonata models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Hyundai Sonata range from the low end price of $536 for just the minimum liability insurance to the much higher price of $3,046 for a high-risk driver policy.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how where you live affects insurance prices.
These rate differences illustrate why everyone should compare rates for a targeted area, instead of 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 Rate Analysis
The chart below illustrates average Hyundai Sonata insurance rates for other coverage scenarios.
- The lowest rate with discounts is $817
- Drivers who choose higher $1,000 deductibles will pay approximately $170 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,404
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $334 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,046
- An auto insurance policy that insures a teen driver for full coverage can cost as much as $5,394 a year
Insurance prices for a Hyundai Sonata also have a wide range based on the model of your Sonata, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,700 to $2,300 extra annually, depending on your age. Hyundai Sonata insurance for high-risk drivers can cost as much as 43% to 135% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age
Where you choose to live makes a big difference in Hyundai Sonata insurance prices. A 40-year-old driver could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,900 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$138 | -9.8% |
| Alaska | $1,078 | -$326 | -23.2% |
| Arizona | $1,166 | -$238 | -17.0% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,600 | $196 | 14.0% |
| Colorado | $1,340 | -$64 | -4.6% |
| Connecticut | $1,444 | $40 | 2.8% |
| Delaware | $1,590 | $186 | 13.2% |
| Florida | $1,756 | $352 | 25.1% |
| Georgia | $1,296 | -$108 | -7.7% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $952 | -$452 | -32.2% |
| Illinois | $1,044 | -$360 | -25.6% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $948 | -$456 | -32.5% |
| Kansas | $1,332 | -$72 | -5.1% |
| Kentucky | $1,914 | $510 | 36.3% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $868 | -$536 | -38.2% |
| Maryland | $1,158 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$282 | -20.1% |
| Michigan | $2,436 | $1,032 | 73.5% |
| Minnesota | $1,176 | -$228 | -16.2% |
| Mississippi | $1,684 | $280 | 19.9% |
| Missouri | $1,246 | -$158 | -11.3% |
| Montana | $1,510 | $106 | 7.5% |
| Nebraska | $1,106 | -$298 | -21.2% |
| Nevada | $1,686 | $282 | 20.1% |
| New Hampshire | $1,012 | -$392 | -27.9% |
| New Jersey | $1,570 | $166 | 11.8% |
| New Mexico | $1,242 | -$162 | -11.5% |
| New York | $1,480 | $76 | 5.4% |
| North Carolina | $808 | -$596 | -42.5% |
| North Dakota | $1,148 | -$256 | -18.2% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,440 | $36 | 2.6% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,338 | -$66 | -4.7% |
| Rhode Island | $1,874 | $470 | 33.5% |
| South Carolina | $1,274 | -$130 | -9.3% |
| South Dakota | $1,186 | -$218 | -15.5% |
| Tennessee | $1,228 | -$176 | -12.5% |
| Texas | $1,692 | $288 | 20.5% |
| Utah | $1,038 | -$366 | -26.1% |
| Vermont | $962 | -$442 | -31.5% |
| Virginia | $840 | -$564 | -40.2% |
| Washington | $1,082 | -$322 | -22.9% |
| West Virginia | $1,288 | -$116 | -8.3% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,250 | -$154 | -11.0% |
Choosing high deductibles could save up to $510 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $423 more per year. View Rates by Deductible or Liability Limit
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 | $1,446 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,446 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $124 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $124 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2018 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2017 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2016 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2015 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2014 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2013 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2012 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2011 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2010 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2009 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2008 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2007 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2006 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2005 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2004 Hyundai Sonata | $126 | $160 | $504 | $970 |
| 2003 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 the Cheapest Hyundai Sonata Insurance
Finding better rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The points below are a recap of the information touched on in the above illustrations.
- It is possible to save approximately $170 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 are charged the highest prices, with premiums being up to $450 per month if full coverage is included
- Increasing policy deductibles can save approximately $500 each year
- Higher risk drivers that have major violations or accidents may have to pay on average $1,640 more annually to insure a Hyundai Sonata
- Policyholders who want increased liability limits will pay about $520 annually to go from 30/60 bodily injury limits to the 250/500 level
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $5,394 |
| 20 | $3,258 |
| 30 | $1,454 |
| 40 | $1,404 |
| 50 | $1,284 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,584 |
| $500 | $1,404 |
| $1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,580 |
| 100/300 | $1,698 |
| 250/500 | $2,003 |
| 100 CSL | $1,627 |
| 300 CSL | $1,886 |
| 500 CSL | $2,074 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,672 |
| 20 | $5,188 |
| 30 | $3,102 |
| 40 | $3,046 |
| 50 | $2,910 |
| 60 | $2,884 |
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 | $73 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
