Hyundai Sonata Insurance Rates
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UPDATED: Mar 31, 2024
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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.
Estimated insurance rates for a Hyundai Sonata are $1,412 a year with full coverage. Comprehensive insurance costs an estimated $280, collision insurance costs $512, and liability insurance is estimated at $440. A policy with only liability insurance costs approximately $510 a year, and a high-risk policy costs $3,050 or more. 16-year-old drivers pay the most at up to $5,348 a year.
Average premium for full coverage: $1,412
Premium estimates broken down by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Sonata trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Hyundai Sonata range from the low end price of $510 for the bare minimum liability coverage to a much higher rate of $3,050 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than congested cities. The price range example below illustrates how geographic area affects insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on rate 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 Information
The chart below details average Hyundai Sonata insurance rates for other coverage scenarios.
- The best full coverage rate is $821
- Choosing higher $1,000 deductibles can save approximately $180 annually
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,412
- Buying more expensive low deductibles for comp and collision coverage will cost an additional $348 a year
- High-risk insureds with multiple tickets or accidents could pay up to $3,050
- An auto insurance policy that insures a teen driver with full coverage can cost as much as $5,348 each year
Car insurance prices for a Hyundai Sonata also have a wide range based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you have a few violations or you caused an accident, you may be forking out $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Hyundai Sonata insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or at least $1,910 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$136 | -9.6% |
| Alaska | $1,084 | -$328 | -23.2% |
| Arizona | $1,172 | -$240 | -17.0% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,346 | -$66 | -4.7% |
| Connecticut | $1,450 | $38 | 2.7% |
| Delaware | $1,598 | $186 | 13.2% |
| Florida | $1,764 | $352 | 24.9% |
| Georgia | $1,304 | -$108 | -7.6% |
| Hawaii | $1,012 | -$400 | -28.3% |
| Idaho | $956 | -$456 | -32.3% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,066 | -$346 | -24.5% |
| Iowa | $954 | -$458 | -32.4% |
| Kansas | $1,340 | -$72 | -5.1% |
| Kentucky | $1,924 | $512 | 36.3% |
| Louisiana | $2,090 | $678 | 48.0% |
| Maine | $874 | -$538 | -38.1% |
| Maryland | $1,166 | -$246 | -17.4% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,452 | $1,040 | 73.7% |
| Minnesota | $1,180 | -$232 | -16.4% |
| Mississippi | $1,692 | $280 | 19.8% |
| Missouri | $1,254 | -$158 | -11.2% |
| Montana | $1,518 | $106 | 7.5% |
| Nebraska | $1,114 | -$298 | -21.1% |
| Nevada | $1,692 | $280 | 19.8% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,580 | $168 | 11.9% |
| New Mexico | $1,248 | -$164 | -11.6% |
| New York | $1,488 | $76 | 5.4% |
| North Carolina | $814 | -$598 | -42.4% |
| North Dakota | $1,156 | -$256 | -18.1% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,448 | $36 | 2.5% |
| Oregon | $1,294 | -$118 | -8.4% |
| Pennsylvania | $1,346 | -$66 | -4.7% |
| Rhode Island | $1,884 | $472 | 33.4% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,192 | -$220 | -15.6% |
| Tennessee | $1,236 | -$176 | -12.5% |
| Texas | $1,700 | $288 | 20.4% |
| Utah | $1,044 | -$368 | -26.1% |
| Vermont | $968 | -$444 | -31.4% |
| Virginia | $844 | -$568 | -40.2% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,294 | -$118 | -8.4% |
| Wisconsin | $976 | -$436 | -30.9% |
| Wyoming | $1,258 | -$154 | -10.9% |
Opting for high physical damage deductibles can save as much as $530 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $396 extra every 12 months. 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 | $1,370 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,370 | $114 |
| Hyundai Sonata SE 4-Dr Sedan | $1,456 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,456 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,496 | $125 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,496 | $125 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| 2023 Hyundai Sonata | $280 | $512 | $440 | $1,412 |
| 2022 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2021 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2020 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2019 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 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 |
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 Cheaper Hyundai Sonata Insurance
Finding better rates on Hyundai Sonata insurance takes avoiding accidents and violations, having a positive credit history, being claim-free, and possibly higher deductibles. Comparison shop every year by getting rate quotes from direct companies, and also from insurance agencies where you live.
The list below is a condensed summary of the coverage data presented in the illustrations above.
- You may be able to save approximately $170 per year just by shopping early and online
- Increasing policy deductibles can save approximately $525 each year
- Teenagers have the highest car insurance prices, possibly costing $446 per month if full coverage is purchased
- High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,640 more annually 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 | $5,348 |
| 20 | $3,262 |
| 30 | $1,466 |
| 40 | $1,412 |
| 50 | $1,290 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,760 |
| $250 | $1,600 |
| $500 | $1,412 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,584 |
| 100/300 | $1,694 |
| 250/500 | $1,980 |
| 100 CSL | $1,628 |
| 300 CSL | $1,870 |
| 500 CSL | $2,046 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,610 |
| 20 | $5,186 |
| 30 | $3,110 |
| 40 | $3,050 |
| 50 | $2,912 |
| 60 | $2,886 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $591 |
Discounts are estimated and may not be available from every company or in every state.
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