Hyundai Sonata Insurance Rates

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 costs approximately $260 a year, collision costs $494, and liability coverage is estimated at $470. A liability-only policy costs approximately $536 a year, with high-risk insurance costing around $3,046. Teenage drivers pay the most at $5,394 a year or more.

Average premium for full coverage: $1,404

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Sonata trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Hyundai Sonata insurance rates for additional coverage and risk scenarios.

• The best discount rate is $817
• Choosing higher $1,000 deductibles can save $1,234 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,404
• Using low $100 deductibles for comp and collision coverage will cost $1,738
• Drivers who are prone to accidents and violations could pay around $3,046 or more
• An auto insurance policy with full coverage for a teenage driver can cost $5,394 each year

View Chart as Image

Auto insurance prices for a Hyundai Sonata also have a wide range based on the model of your Sonata, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 annually 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 in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $510 a year, while buying higher liability limits will push prices upward. 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 plays a big part in determining prices for Hyundai Sonata insurance rates. A good driver about age 40 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.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Best Hyundai Sonata Insurance

Finding better rates on auto insurance takes being safe and accident-free, having above-average credit, refrain from filing small claims, and not having any coverage lapses. Take the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief recap of the information covered in the above illustrations.

• You may be able to save around $170 per year simply by quoting early and online
• Youthful drivers have the highest car insurance prices, with the cost nearing $450 per month if full coverage is included
• Increasing policy deductibles could save up to $500 each year
• Drivers who tend to receive serious violations may have to pay on average $1,640 more per year than a low-risk driver
• Consumers who purchase more liability protection will pay an extra $520 per year to raise limits 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.

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.

• Chevrolet Malibu Insurance Rates
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• Honda Accord Insurance Rates

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

1. https://www.iihs.org/ratings/vehicle/hyundai/sonata-4-door-sedan/2020