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 prices for a Hyundai Sonata are $1,390 every 12 months for full coverage. Comprehensive insurance costs an estimated $250 each year, collision costs $474, and liability costs around $486. Liability-only insurance costs as low as $548 a year, with high-risk driver insurance costing $3,016 or more. Teens pay the most at $5,372 a year or more.

Average premium for full coverage: $1,390

Premium estimates broken down by type of coverage:

Comprehensive $250
Collision $474
Liability $486

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Sonata models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Hyundai Sonata go from the cheapest price of $548 for your basic liability-only policy 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

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

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

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

These rate differences show why all drivers should compare prices for a targeted area and their own driving history, instead of using averaged prices.

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.

More Rate Information

The chart below shows estimated Hyundai Sonata insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $809
  • Using higher $1,000 deductibles will save approximately $164 a year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,390
  • Selecting low deductibles for physical damage coverage costs an extra $322 every year
  • Drivers with serious driving violations could pay up to $3,016 or more
  • An auto insurance policy to insure a teen driver can cost as much as $5,372 or more

View Chart as Image

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

Insurance prices for a Hyundai Sonata also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $490 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $438 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,700 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 136% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Hyundai Sonata insurance prices. A driver around age 40 might see prices as low as $920 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,980 on average in New York, Louisiana, and Michigan.

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

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, and prices will be substantially different.

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 Shop for Affordable Hyundai Sonata Insurance

Finding better rates on car insurance requires being safe and accident-free, having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every year by getting quotes from direct carriers, and also from several local insurance agents.

Below you'll find a brief review of the coverage data covered in the above illustrations.

  • Drivers can save approximately $160 per year simply by quoting online in advance
  • Increasing policy deductibles could save as much as $475 each year
  • Youthful drivers are expensive to insure, as much as $448 per month if full coverage is included
  • Higher risk drivers with DUI or reckless driving convictions pay on average $1,630 more annually than a low-risk driver

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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