Hyundai Sonata Insurance Rates
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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.
The average insurance rates for a Hyundai Sonata are $1,406 a year including full coverage. Comprehensive insurance costs on average $270, collision costs $506, and liability costs around $450. A liability-only policy costs as low as $518 a year, with high-risk insurance costing $3,044 or more. Teens cost the most to insure at $5,364 a year or more.
Average premium for full coverage: $1,406
Policy rates by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Sonata models.
Price Range Variability
For a 40-year-old driver, Hyundai Sonata insurance rates go from the low end price of $518 for just liability insurance to the much higher price of $3,044 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how your location can change car insurance rates.
The examples above highlight why everyone should compare prices based on a specific location, instead of making a decision based on 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 Details
The chart below breaks down estimated Hyundai Sonata insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $818
- Using higher $1,000 deductibles will save around $176 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,406
- Selecting pricier low deductibles for physical damage coverage will cost an additional $342 annually
- High-risk insureds with serious driving violations could pay upwards of $3,044 or more
- Policy cost that insures a 16-year-old driver for full coverage may cost $5,364 or more
Car insurance rates for a Hyundai Sonata also range considerably based on the model of your Sonata, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Hyundai Sonata insurance for high-risk drivers can be from 43% to 135% more than the average policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,300 a year. View Rates by Age
Your home state has a huge impact on Hyundai Sonata insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $405 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so rate quotes will be varied.
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 Find the Best Hyundai Sonata Insurance
Finding cheaper rates on insurance for a Hyundai Sonata requires avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The list below is a brief recap of the coverage data illustrated above.
- You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $525 each year
- Teenagers are expensive to insure, with premiums being up to $447 each month if full coverage is purchased
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,640 more each 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 | $5,364 |
| 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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