Hyundai Sonata Insurance Rates
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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 with full coverage. Comprehensive insurance costs around $260, collision insurance costs $494, and liability insurance is estimated at $470. A policy with only liability insurance costs approximately $536 a year, and a high-risk policy costs $3,046 or more. 16-year-old drivers pay the most at up to $5,394 a year.
Average premium for full coverage: $1,404
Premium estimates for type of coverage:
Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different Sonata trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Hyundai Sonata range from as cheap as $536 for minimum levels of liability insurance to a much higher rate of $3,046 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities. The price range example below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than relying on rate 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 Details
The chart below details average Hyundai Sonata insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $817
- Choosing higher $1,000 deductibles can save about $170 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,404
- Buying more expensive low deductibles for comp and collision coverage costs an additional $334 a year
- High-risk insureds with multiple tickets or accidents could pay at least $3,046
- An auto insurance policy with full coverage for a teen driver with full coverage can be $5,394 each year
Car insurance prices for a Hyundai Sonata also have a wide range based on the model of your Sonata, your driving record, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $510 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $423 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Hyundai Sonata insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or at least $1,900 on average in Florida, Michigan, and New York.
| 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 Cheaper Hyundai Sonata Insurance
Finding better rates on Hyundai Sonata insurance takes not taking risks behind the wheel, having a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct companies, and also from local exclusive and independent agents.
The following is a condensed summary of the ideas that were covered in the charts and tables above.
- Teens are the costliest to insure, possibly costing $450 per month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,640 more every year for Sonata insurance
- Increasing policy deductibles could save up to $500 each year
- You may be able to save up to $170 per year just by shopping early and online
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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