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.
U.S. average insurance rates for a Hyundai Sonata are $1,390 a year including full coverage. Comprehensive costs an estimated $250, collision insurance costs $474, and liability insurance is estimated at $486. Liability-only insurance costs approximately $548 a year, and high-risk driver insurance costs around $3,016. Teen drivers pay the highest rates at up to $5,372 a year.
Average premium for full coverage: $1,390
Price estimates broken down by individual coverage:
Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Sonata models.
Price Range from Low to High
For a driver in their 40's, Hyundai Sonata insurance prices range from the low end price of $548 for just liability insurance to the much higher price of $3,016 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location helps determine insurance prices.
The ranges above highlight why everyone should get quotes for a targeted area, rather than relying on price 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.
More Rate Details
The chart below breaks down average Hyundai Sonata insurance rates for other coverage scenarios.
- The lowest rate with discounts is $809
- Choosing higher $1,000 deductibles can save approximately $164 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,390
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,712
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,016
- The price that insures a teen driver for full coverage can cost as much as $5,372 each year
Car insurance prices for a Hyundai Sonata are also quite variable based on the model of your Sonata, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,700 to $2,300 extra each year, depending on your age. Hyundai Sonata insurance for high-risk drivers ranges anywhere from 43% to 136% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age
The state you live in plays a big part in determining prices for Hyundai Sonata insurance rates. A good driver about age 40 could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,980 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,254 | -$136 | -9.8% |
| Alaska | $1,066 | -$324 | -23.3% |
| Arizona | $1,154 | -$236 | -17.0% |
| Arkansas | $1,390 | -$0 | 0.0% |
| California | $1,582 | $192 | 13.8% |
| Colorado | $1,326 | -$64 | -4.6% |
| Connecticut | $1,426 | $36 | 2.6% |
| Delaware | $1,572 | $182 | 13.1% |
| Florida | $1,738 | $348 | 25.0% |
| Georgia | $1,284 | -$106 | -7.6% |
| Hawaii | $996 | -$394 | -28.3% |
| Idaho | $942 | -$448 | -32.2% |
| Illinois | $1,034 | -$356 | -25.6% |
| Indiana | $1,050 | -$340 | -24.5% |
| Iowa | $938 | -$452 | -32.5% |
| Kansas | $1,318 | -$72 | -5.2% |
| Kentucky | $1,894 | $504 | 36.3% |
| Louisiana | $2,058 | $668 | 48.1% |
| Maine | $858 | -$532 | -38.3% |
| Maryland | $1,148 | -$242 | -17.4% |
| Massachusetts | $1,108 | -$282 | -20.3% |
| Michigan | $2,412 | $1,022 | 73.5% |
| Minnesota | $1,162 | -$228 | -16.4% |
| Mississippi | $1,666 | $276 | 19.9% |
| Missouri | $1,230 | -$160 | -11.5% |
| Montana | $1,494 | $104 | 7.5% |
| Nebraska | $1,096 | -$294 | -21.2% |
| Nevada | $1,666 | $276 | 19.9% |
| New Hampshire | $1,002 | -$388 | -27.9% |
| New Jersey | $1,554 | $164 | 11.8% |
| New Mexico | $1,230 | -$160 | -11.5% |
| New York | $1,462 | $72 | 5.2% |
| North Carolina | $800 | -$590 | -42.4% |
| North Dakota | $1,140 | -$250 | -18.0% |
| Ohio | $960 | -$430 | -30.9% |
| Oklahoma | $1,426 | $36 | 2.6% |
| Oregon | $1,272 | -$118 | -8.5% |
| Pennsylvania | $1,324 | -$66 | -4.7% |
| Rhode Island | $1,852 | $462 | 33.2% |
| South Carolina | $1,262 | -$128 | -9.2% |
| South Dakota | $1,174 | -$216 | -15.5% |
| Tennessee | $1,214 | -$176 | -12.7% |
| Texas | $1,672 | $282 | 20.3% |
| Utah | $1,026 | -$364 | -26.2% |
| Vermont | $952 | -$438 | -31.5% |
| Virginia | $830 | -$560 | -40.3% |
| Washington | $1,072 | -$318 | -22.9% |
| West Virginia | $1,272 | -$118 | -8.5% |
| Wisconsin | $962 | -$428 | -30.8% |
| Wyoming | $1,238 | -$152 | -10.9% |
Choosing high deductibles can save as much as $490 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $438 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 | $1,352 | $113 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,352 | $113 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,352 | $113 |
| Hyundai Sonata SE 4-Dr Sedan | $1,430 | $119 |
| Hyundai Sonata SE 4-Dr Sedan | $1,430 | $119 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,470 | $123 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,470 | $123 |
Rates assume 2020 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 |
|---|---|---|---|---|
| 2020 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 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 |
| 2004 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 Cheaper Hyundai Sonata Insurance
Getting lower rates on Hyundai Sonata insurance takes being a safe and courteous driver, having a positive credit history, being claim-free, and possibly higher deductibles. Shop around every year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
Below is a condensed summary of the coverage data covered in the charts and tables above.
- You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $475 each year
- Teenage drivers have the highest car insurance prices, possibly costing $448 a month if full coverage is purchased
- High-risk drivers with multiple at-fault accidents could be charged and average of $1,630 more annually for auto 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 | $5,372 |
| 20 | $3,224 |
| 30 | $1,436 |
| 40 | $1,390 |
| 50 | $1,274 |
| 60 | $1,248 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,712 |
| $250 | $1,562 |
| $500 | $1,390 |
| $1,000 | $1,226 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,390 |
| 50/100 | $1,567 |
| 100/300 | $1,689 |
| 250/500 | $2,005 |
| 100 CSL | $1,616 |
| 300 CSL | $1,883 |
| 500 CSL | $2,078 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,634 |
| 20 | $5,136 |
| 30 | $3,068 |
| 40 | $3,016 |
| 50 | $2,880 |
| 60 | $2,856 |
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 | $98 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $60 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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