Hyundai Sonata Insurance Rates
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UPDATED: Jun 6, 2023
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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 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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,712 |
$250 | $1,562 |
$500 | $1,390 |
$1,000 | $1,226 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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