Hyundai Genesis Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
How much is a Hyundai Genesis insurance policy? Average Hyundai Genesis insurance rates are $133 per month or $1,598 annually. However, your rates may vary slightly depending on your driver demographics and the model year of your Genesis.
For example, if you are comparing the 2014 Hyundai Genesis Coupe insurance costs with the Hyundai Genesis Sedan insurance costs, you’ll receive slightly different rates. Read through our complete Hyundai Genesis guide to learn what you can do to secure cheap car insurance for your Genesis.
Ready to start comparing your best Hyundai Genesis car insurance rates? Simply enter your ZIP code into our FREE online tool above to find the best Hyundai Genesis car insurance rates in your area.
U.S. average auto insurance rates for a Hyundai Genesis are $1,162 annually including full coverage. Comprehensive costs approximately $186, collision costs $262, and liability costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing around $2,504. Teens pay the highest rates at $4,676 a year or more.
Average premium for full coverage: $1,162
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Genesis models.
Price Range from Low to High
For an average driver, Hyundai Genesis insurance prices go from as cheap as $588 for just liability insurance to the much higher price of $2,504 for a high-risk driver policy.
Geographic Price Range
Where you live can have significant affects on car insurance prices. Rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates the effect of geographic area on auto insurance prices.
The ranges above highlight why everyone should compare prices using their specific location and their own personal driving habits, 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 Details
The chart below breaks down estimated Hyundai Genesis insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $701
- Using higher $1,000 deductibles will save $102 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,162
- Selecting pricier low deductibles for physical damage coverage will cost $1,356
- Drivers with serious driving violations could pay around $2,504 or more
- The price with full coverage for a teen driver for full coverage can cost $4,676 or more
Car insurance prices for a Hyundai Genesis are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Hyundai Genesis insurance for high-risk drivers can be as much as 43% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $300 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Hyundai Genesis insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,660 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,050 | -$112 | -9.6% |
| Alaska | $892 | -$270 | -23.2% |
| Arizona | $964 | -$198 | -17.0% |
| Arkansas | $1,162 | -$0 | 0.0% |
| California | $1,324 | $162 | 13.9% |
| Colorado | $1,108 | -$54 | -4.6% |
| Connecticut | $1,194 | $32 | 2.8% |
| Delaware | $1,316 | $154 | 13.3% |
| Florida | $1,454 | $292 | 25.1% |
| Georgia | $1,074 | -$88 | -7.6% |
| Hawaii | $834 | -$328 | -28.2% |
| Idaho | $786 | -$376 | -32.4% |
| Illinois | $864 | -$298 | -25.6% |
| Indiana | $876 | -$286 | -24.6% |
| Iowa | $784 | -$378 | -32.5% |
| Kansas | $1,104 | -$58 | -5.0% |
| Kentucky | $1,584 | $422 | 36.3% |
| Louisiana | $1,720 | $558 | 48.0% |
| Maine | $720 | -$442 | -38.0% |
| Maryland | $960 | -$202 | -17.4% |
| Massachusetts | $928 | -$234 | -20.1% |
| Michigan | $2,016 | $854 | 73.5% |
| Minnesota | $972 | -$190 | -16.4% |
| Mississippi | $1,392 | $230 | 19.8% |
| Missouri | $1,030 | -$132 | -11.4% |
| Montana | $1,246 | $84 | 7.2% |
| Nebraska | $918 | -$244 | -21.0% |
| Nevada | $1,396 | $234 | 20.1% |
| New Hampshire | $838 | -$324 | -27.9% |
| New Jersey | $1,300 | $138 | 11.9% |
| New Mexico | $1,030 | -$132 | -11.4% |
| New York | $1,222 | $60 | 5.2% |
| North Carolina | $670 | -$492 | -42.3% |
| North Dakota | $952 | -$210 | -18.1% |
| Ohio | $800 | -$362 | -31.2% |
| Oklahoma | $1,192 | $30 | 2.6% |
| Oregon | $1,066 | -$96 | -8.3% |
| Pennsylvania | $1,108 | -$54 | -4.6% |
| Rhode Island | $1,550 | $388 | 33.4% |
| South Carolina | $1,054 | -$108 | -9.3% |
| South Dakota | $982 | -$180 | -15.5% |
| Tennessee | $1,016 | -$146 | -12.6% |
| Texas | $1,398 | $236 | 20.3% |
| Utah | $860 | -$302 | -26.0% |
| Vermont | $796 | -$366 | -31.5% |
| Virginia | $694 | -$468 | -40.3% |
| Washington | $896 | -$266 | -22.9% |
| West Virginia | $1,066 | -$96 | -8.3% |
| Wisconsin | $804 | -$358 | -30.8% |
| Wyoming | $1,034 | -$128 | -11.0% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see which company has the best price. Each insurance company calculates prices differently, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Genesis 2.0T 2-Dr Coupe | $1,216 | $101 |
| Hyundai Genesis 3.8 4-Dr Sedan | $956 | $80 |
| Hyundai Genesis 2.0T Premium 2-Dr Coupe | $1,240 | $103 |
| Hyundai Genesis 2.0T Track 2-Dr Coupe | $1,250 | $104 |
| Hyundai Genesis 3.8 2-Dr Coupe | $1,240 | $103 |
| Hyundai Genesis 3.8 Grand Touring 2-Dr Coupe | $1,250 | $104 |
| Hyundai Genesis 3.8 Track 2-Dr Coupe | $1,270 | $106 |
| Hyundai Genesis 4.6 4-Dr Sedan | $994 | $83 |
Rates assume 2009 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 |
|---|---|---|---|---|
| 2015 Hyundai Genesis | $250 | $426 | $520 | $1,376 |
| 2013 Hyundai Genesis | $236 | $374 | $534 | $1,324 |
| 2012 Hyundai Genesis | $218 | $346 | $534 | $1,278 |
| 2011 Hyundai Genesis | $212 | $314 | $540 | $1,246 |
| 2010 Hyundai Genesis | $198 | $288 | $534 | $1,200 |
| 2009 Hyundai Genesis | $186 | $262 | $534 | $1,162 |
Rates are averaged for all Hyundai Genesis 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 Affordable Hyundai Genesis Insurance
Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and avoiding coverage lapses. Take the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The points below are a brief review of the information covered in the above illustrations.
- You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
- Drivers under the age of 20 pay the highest auto insurance prices, possibly costing $390 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save up to $300 each year
- Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,340 more per year to insure a Hyundai Genesis
- Policyholders who purchase increased liability limits will pay approximately $590 per year to increase from a low limit to higher 250/500 limits
If you are wondering if a Hyundai Genesis Coupe is expensive to insure in your area, the best way to find out is to get car insurance quotes from multiple different companies.
Getting multiple Hyundai Genesis car insurance quotes on comparison sites will allow you to quickly find the best rates, whether you are looking for the 2012 Hyundai Genesis Coupe 2.0 T insurance costs or the 2015 Hyundai Genesis insurance costs.
To find out how much is insurance for a Hyundai Genesis coupe or sedan in your area and to secure some major savings, enter your ZIP code into our free quote tool below.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
Secured with SHA-256 Encryption
What are the Hyundai Genesis safety ratings?
The Hyundai Genesis has some great advanced safety features, such as a rearview camera, lane departure warning, forward collision warning, and more.
The Hyundai Genesis safety ratings are also excellent, as the Insurance Institute for Highway Safety (IIHS) gave the Hyundai Genesis a 2016 Top Safety Pick award.
The ratings below are a breakdown of the IIHS’s overall rating for the 2016 Hyundai Genesis.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
As you can see, the 2016 model received nearly perfect safety ratings across the board. Your car insurance rates will already reflect these phenomenal safety ratings.
What are the Hyundai Genesis crash test ratings?
Another great way to estimate your potential Hyundai Genesis car insurance rates is by looking at crash test ratings for your vehicle’s specific model year.
See a breakdown of the Hyundai Genesis crash test ratings by model year as performed by the National Highway Traffic Safety Administration (NHTSA) in the table below.
| Vehicle Make and Model | Overall Crash Test Ratings | Frontal Crash Test Ratings | Side Crash Test Ratings | Rollover Crash Test Ratings |
|---|---|---|---|---|
| 2011 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2011 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2012 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2013 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2013 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2014 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2014 Hyundai Genesis 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 2015 Hyundai Genesis 2 DR RWD | N/R | N/R | N/R | 5 stars |
| 2015 Hyundai Genesis 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2015 Hyundai Genesis 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Hyundai Genesis 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Hyundai Genesis 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
A 5-star rating is the highest possible score given by the NHTSA. Overall, the Hyundai Genesis received great crash test ratings.
You may have noticed that earlier models of the Hyundai Genesis were not crash tested. If you drive one of those model years, your insurance rates will be different than the 2015 and 2016 model years with more well-rounded results.
Should you compare the Hyundai Genesis against other vehicles in the same car class?
Is a Hyundai Genesis considered a sports car? No, technically, the Hyundai Genesis is classified as a large luxury car and not a sports car. Although, both luxury and sports cars tend to have higher than average liability rates.
In the table below, let’s explore the Hyundai Genesis insurance loss probability details to get a clearer idea of how much different insurance coverages might cost you.
Keep in mind that lower loss ratios mean lower car insurance rates. However, higher loss ratios mean higher than average car insurance premiums.
| Insurance Coverage Categories | Loss Rates |
|---|---|
| Collision | 54% |
| Property damage | -29% |
| Comprehensive | 54% |
| Personal injury | -15% |
| Medical payment | -1% |
| Bodily injury | N/A |
The Hyundai Genesis has substantially worse than average comprehensive and collision loss ratios. If you are hoping to purchase a full coverage car insurance policy for your Genesis, expect the collision and comprehensive coverages to be higher than average.
If you want to better see how the Hyundai Genesis’s rates compare to other large luxury cars, view the list below.
You are officially an expert on securing affordable Hyundai Genesis car insurance costs. Remember, the best Hyundai Genesis car insurance company will provide you with competitive rates without compromising your coverage levels.
You’re now ready to buy Hyundai Genesis car insurance. To find out what the cost of a Hyundai Genesis is to insure in your area, just enter your ZIP code into our free quote tool to find your best rates and save.
References:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,676 |
| 20 | $2,662 |
| 30 | $1,184 |
| 40 | $1,162 |
| 50 | $1,068 |
| 60 | $1,046 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,356 |
| $250 | $1,268 |
| $500 | $1,162 |
| $1,000 | $1,060 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,162 |
| 50/100 | $1,074 |
| 100/300 | $1,175 |
| 250/500 | $1,436 |
| 100 CSL | $1,115 |
| 300 CSL | $1,336 |
| 500 CSL | $1,497 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,594 |
| 20 | $4,244 |
| 30 | $2,526 |
| 40 | $2,504 |
| 50 | $2,396 |
| 60 | $2,370 |
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 | $59 |
| Multi-vehicle | $63 |
| Homeowner | $21 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $79 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
