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.

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:

Comprehensive $260
Collision $494
Liability $470

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.

Liability Only $536
Full Coverage $1,404
High Risk $3,046

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.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

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

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing Hyundai Sonata insurance prices range from $817 to $5,394 for full coverage

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.

Hyundai Sonata Insurance Rates by State
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%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

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

Hyundai Sonata Insurance Rates by Model and Trim Level
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.

Hyundai Sonata Insurance Rates by Model Year
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.

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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.



Rates by Driver Age

Hyundai Sonata Insurance 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

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,738
$250 $1,584
$500 $1,404
$1,000 $1,234

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
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

Hyundai Sonata Insurance 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.

SR-22 Surcharge $196

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
Rate after discounts $817

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

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