Hyundai Sonata Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 5, 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 auto insurance rates for a Hyundai Sonata are $1,406 annually with full coverage. Comprehensive costs around $270, collision insurance costs $506, and liability coverage is estimated at $450. A liability-only policy costs approximately $518 a year, and high-risk insurance costs around $3,044. Teens receive the highest rates at up to $5,364 a year.
Average premium for full coverage: $1,406
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all Sonata models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $518 for just the minimum liability insurance to the much higher price of $3,044 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than 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.
Additional Rate Analysis
The chart below details average Hyundai Sonata insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $818
- Choosing higher $1,000 deductibles can save about $176 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,406
- Selecting pricier low deductibles for comp and collision coverage will cost $1,748
- Drivers with serious driving violations could pay at least $3,044
- The cost with full coverage for a teenage driver for full coverage can be $5,364 each year
Insurance rates for a Hyundai Sonata can also vary considerably based on the trim level of your Sonata, your driving record, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. Hyundai Sonata insurance for high-risk drivers ranges around 43% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $520 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $405 more per year. View Rates by Deductible or Liability Limit
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 $1,010 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,900 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,272 | -$134 | -9.5% |
| Alaska | $1,078 | -$328 | -23.3% |
| Arizona | $1,168 | -$238 | -16.9% |
| Arkansas | $1,406 | -$0 | 0.0% |
| California | $1,602 | $196 | 13.9% |
| Colorado | $1,340 | -$66 | -4.7% |
| Connecticut | $1,442 | $36 | 2.6% |
| Delaware | $1,592 | $186 | 13.2% |
| Florida | $1,758 | $352 | 25.0% |
| Georgia | $1,298 | -$108 | -7.7% |
| Hawaii | $1,010 | -$396 | -28.2% |
| Idaho | $954 | -$452 | -32.1% |
| Illinois | $1,046 | -$360 | -25.6% |
| Indiana | $1,060 | -$346 | -24.6% |
| Iowa | $948 | -$458 | -32.6% |
| Kansas | $1,336 | -$70 | -5.0% |
| Kentucky | $1,918 | $512 | 36.4% |
| Louisiana | $2,080 | $674 | 47.9% |
| Maine | $868 | -$538 | -38.3% |
| Maryland | $1,160 | -$246 | -17.5% |
| Massachusetts | $1,124 | -$282 | -20.1% |
| Michigan | $2,440 | $1,034 | 73.5% |
| Minnesota | $1,178 | -$228 | -16.2% |
| Mississippi | $1,686 | $280 | 19.9% |
| Missouri | $1,246 | -$160 | -11.4% |
| Montana | $1,510 | $104 | 7.4% |
| Nebraska | $1,108 | -$298 | -21.2% |
| Nevada | $1,686 | $280 | 19.9% |
| New Hampshire | $1,014 | -$392 | -27.9% |
| New Jersey | $1,572 | $166 | 11.8% |
| New Mexico | $1,244 | -$162 | -11.5% |
| New York | $1,482 | $76 | 5.4% |
| North Carolina | $810 | -$596 | -42.4% |
| North Dakota | $1,150 | -$256 | -18.2% |
| Ohio | $970 | -$436 | -31.0% |
| Oklahoma | $1,442 | $36 | 2.6% |
| Oregon | $1,286 | -$120 | -8.5% |
| Pennsylvania | $1,340 | -$66 | -4.7% |
| Rhode Island | $1,874 | $468 | 33.3% |
| South Carolina | $1,276 | -$130 | -9.2% |
| South Dakota | $1,188 | -$218 | -15.5% |
| Tennessee | $1,230 | -$176 | -12.5% |
| Texas | $1,692 | $286 | 20.3% |
| Utah | $1,042 | -$364 | -25.9% |
| Vermont | $962 | -$444 | -31.6% |
| Virginia | $842 | -$564 | -40.1% |
| Washington | $1,086 | -$320 | -22.8% |
| West Virginia | $1,288 | -$118 | -8.4% |
| Wisconsin | $972 | -$434 | -30.9% |
| Wyoming | $1,254 | -$152 | -10.8% |
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 | $1,448 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,448 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
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 | $280 | $512 | $440 | $1,412 |
| 2023 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2022 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2021 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2020 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2019 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2018 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2017 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2016 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2015 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2014 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2013 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2012 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2011 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2010 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2009 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2008 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2007 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2006 Hyundai Sonata | $126 | $160 | $504 | $970 |
| 2005 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 Buy the Best Hyundai Sonata Insurance
Saving money on auto insurance takes being a good driver, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates every year by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a brief recap of the coverage data presented in the illustrations above.
- You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $525 each year
- Drivers age 16 to 20 pay higher rates, with premiums as much as $447 per month including comprehensive and collision insurance
- Drivers who tend to receive serious violations may pay on average $1,640 more every year than a safer 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,364 |
| 20 | $3,260 |
| 30 | $1,460 |
| 40 | $1,406 |
| 50 | $1,286 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,590 |
| $500 | $1,406 |
| $1,000 | $1,230 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,406 |
| 50/100 | $1,580 |
| 100/300 | $1,693 |
| 250/500 | $1,985 |
| 100 CSL | $1,625 |
| 300 CSL | $1,873 |
| 500 CSL | $2,053 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,628 |
| 20 | $5,184 |
| 30 | $3,104 |
| 40 | $3,044 |
| 50 | $2,908 |
| 60 | $2,882 |
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 | $62 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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