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: 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 auto insurance rates for a Hyundai Sonata are $1,404 annually including full coverage. Comprehensive insurance costs an estimated $260 each year, collision insurance costs $494, and liability costs $470. A liability-only policy costs as little as $536 a year, and high-risk insurance costs $3,046 or more. Teenage drivers pay the most at up to $5,394 a year.
Average premium for full coverage: $1,404
Premium estimates broken down by type of coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Sonata models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Hyundai Sonata range from as cheap as $536 for your basic liability-only policy to a high rate of $3,046 for a high-risk driver policy.
Insurance Price Range by Location
Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.
These rate differences highlight why all drivers should compare rates for a targeted area and their own personal driving habits, instead of 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.
More Rate Information
The chart below breaks down average Hyundai Sonata insurance rates for other coverage scenarios.
- The best discount rate is $817
- Drivers who choose higher $1,000 deductibles will pay approximately $170 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,404
- Using low deductibles for comprehensive and collision insurance costs an additional $334 every year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,046
- An auto insurance policy with full coverage for a teen driver can cost as much as $5,394 a year
Auto insurance prices for a Hyundai Sonata also have a wide range based on the model of your Sonata, your driving characteristics, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,700 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $510 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $423 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Hyundai Sonata insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,000 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$138 | -9.8% |
| Alaska | $1,078 | -$326 | -23.2% |
| Arizona | $1,166 | -$238 | -17.0% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,600 | $196 | 14.0% |
| Colorado | $1,340 | -$64 | -4.6% |
| Connecticut | $1,444 | $40 | 2.8% |
| Delaware | $1,590 | $186 | 13.2% |
| Florida | $1,756 | $352 | 25.1% |
| Georgia | $1,296 | -$108 | -7.7% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $952 | -$452 | -32.2% |
| Illinois | $1,044 | -$360 | -25.6% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $948 | -$456 | -32.5% |
| Kansas | $1,332 | -$72 | -5.1% |
| Kentucky | $1,914 | $510 | 36.3% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $868 | -$536 | -38.2% |
| Maryland | $1,158 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$282 | -20.1% |
| Michigan | $2,436 | $1,032 | 73.5% |
| Minnesota | $1,176 | -$228 | -16.2% |
| Mississippi | $1,684 | $280 | 19.9% |
| Missouri | $1,246 | -$158 | -11.3% |
| Montana | $1,510 | $106 | 7.5% |
| Nebraska | $1,106 | -$298 | -21.2% |
| Nevada | $1,686 | $282 | 20.1% |
| New Hampshire | $1,012 | -$392 | -27.9% |
| New Jersey | $1,570 | $166 | 11.8% |
| New Mexico | $1,242 | -$162 | -11.5% |
| New York | $1,480 | $76 | 5.4% |
| North Carolina | $808 | -$596 | -42.5% |
| North Dakota | $1,148 | -$256 | -18.2% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,440 | $36 | 2.6% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,338 | -$66 | -4.7% |
| Rhode Island | $1,874 | $470 | 33.5% |
| South Carolina | $1,274 | -$130 | -9.3% |
| South Dakota | $1,186 | -$218 | -15.5% |
| Tennessee | $1,228 | -$176 | -12.5% |
| Texas | $1,692 | $288 | 20.5% |
| Utah | $1,038 | -$366 | -26.1% |
| Vermont | $962 | -$442 | -31.5% |
| Virginia | $840 | -$564 | -40.2% |
| Washington | $1,082 | -$322 | -22.9% |
| West Virginia | $1,288 | -$116 | -8.3% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,250 | -$154 | -11.0% |
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 | $1,446 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,446 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $124 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $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 | $270 | $506 | $450 | $1,406 |
| 2023 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2022 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2021 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2020 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2019 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2018 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2017 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2016 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2015 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2014 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2013 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2012 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2011 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2010 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2009 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2008 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2007 Hyundai Sonata | $126 | $160 | $504 | $970 |
| 2006 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 Right Hyundai Sonata Insurance
Finding better rates on car insurance not only requires being a good driver, but also having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The following list is a quick rundown of the information covered above.
- You may be able to save approximately $170 per year just by quoting online in advance
- Drivers age 16 to 20 are the costliest to insure, with the cost nearing $450 per month if full coverage is included
- Increasing policy deductibles could save up to $500 each year
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,640 more annually than a safer driver
- Policyholders who want an increased level of liability coverage will pay an extra $520 per year to go from 30/60 bodily injury limits to higher 250/500 limits
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 | $5,394 |
| 20 | $3,258 |
| 30 | $1,454 |
| 40 | $1,404 |
| 50 | $1,284 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,584 |
| $500 | $1,404 |
| $1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,580 |
| 100/300 | $1,698 |
| 250/500 | $2,003 |
| 100 CSL | $1,627 |
| 300 CSL | $1,886 |
| 500 CSL | $2,074 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,672 |
| 20 | $5,188 |
| 30 | $3,102 |
| 40 | $3,046 |
| 50 | $2,910 |
| 60 | $2,884 |
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 | $100 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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