Hyundai Sonata Insurance Rates
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UPDATED: Jun 6, 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 $1,390 a year with full coverage. Comprehensive insurance costs around $250, collision insurance costs $474, and liability is $486. Buying just liability costs around $548 a year, and insurance for high-risk drivers costs $3,016 or more. Teen drivers cost the most to insure at up to $5,372 a year.
Average premium for full coverage: $1,390
Policy rates for type of insurance:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Sonata trim levels.
Price Range Variability
For the normal driver, Hyundai Sonata insurance rates range from as low as $548 for just the minimum liability insurance to a much higher rate of $3,016 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based 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.
Additional Rate Analysis
The chart below details average Hyundai Sonata insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $809
- Raising to $1,000 deductibles will save about $164 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,390
- Choosing more expensive low deductibles will cost an extra $322 annually
- Drivers with multiple violations and an at-fault accident could pay at least $3,016
- Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,372
Insurance rates for a Hyundai Sonata also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age
Your home state also has a big influence on Hyundai Sonata insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,880 on average in Florida, Michigan, and New York.
| 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 reduce rates by up to $490 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $438 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 136% more than average. View High Risk Driver Rates
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 Cheap Hyundai Sonata Insurance
Finding cheaper rates on insurance for a Hyundai Sonata consists of having a decent driving record, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a brief summary of the primary concepts that were presented in the illustrations above.
- You may be able to save up to $160 per year just by shopping early and online
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,630 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $475 each year
- 16 to 18-year-old drivers pay higher rates, as much as $448 each month for full coverage
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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