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Hyundai Sonata Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Hyundai Sonata insurance
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.

Average insurance rates for a Hyundai Sonata are $1,412 a year with full coverage. Comprehensive insurance costs around $280 a year, collision insurance costs $512, and liability costs $440. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $3,050 or more. 16-year-old drivers receive the highest rates at up to $5,348 a year.

Average premium for full coverage: $1,412

Rate estimates for individual coverage type:

Comprehensive $280
Collision $512
Liability $440

Prices include $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Sonata trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $510 for minimum levels of liability insurance to a high of $3,050 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,412
High Risk $3,050

Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,059
Small Cities $1,483
Large Cities $1,906

These examples demonstrate why it is important to compare rates for a specific zip code, instead of making a decision based 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 $821
  • Drivers who choose higher $1,000 deductibles will pay about $1,232 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,412
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $348 annually
  • Drivers with multiple tickets or accidents could pay at least $3,050
  • The cost that insures a 16-year-old driver can be $5,348 a year

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing Hyundai Sonata insurance prices range from $821 to $5,348 for full coverage

Car insurance rates for a Hyundai Sonata can also vary considerably based on the trim level of your Sonata, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

Where you live makes a big difference in Hyundai Sonata insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or at least $1,910 on average in Florida, Michigan, and New York.

Hyundai Sonata Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,276 -$136 -9.6%
Alaska $1,084 -$328 -23.2%
Arizona $1,172 -$240 -17.0%
Arkansas $1,412 -$0 0.0%
California $1,608 $196 13.9%
Colorado $1,346 -$66 -4.7%
Connecticut $1,450 $38 2.7%
Delaware $1,598 $186 13.2%
Florida $1,764 $352 24.9%
Georgia $1,304 -$108 -7.6%
Hawaii $1,012 -$400 -28.3%
Idaho $956 -$456 -32.3%
Illinois $1,050 -$362 -25.6%
Indiana $1,066 -$346 -24.5%
Iowa $954 -$458 -32.4%
Kansas $1,340 -$72 -5.1%
Kentucky $1,924 $512 36.3%
Louisiana $2,090 $678 48.0%
Maine $874 -$538 -38.1%
Maryland $1,166 -$246 -17.4%
Massachusetts $1,126 -$286 -20.3%
Michigan $2,452 $1,040 73.7%
Minnesota $1,180 -$232 -16.4%
Mississippi $1,692 $280 19.8%
Missouri $1,254 -$158 -11.2%
Montana $1,518 $106 7.5%
Nebraska $1,114 -$298 -21.1%
Nevada $1,692 $280 19.8%
New Hampshire $1,018 -$394 -27.9%
New Jersey $1,580 $168 11.9%
New Mexico $1,248 -$164 -11.6%
New York $1,488 $76 5.4%
North Carolina $814 -$598 -42.4%
North Dakota $1,156 -$256 -18.1%
Ohio $974 -$438 -31.0%
Oklahoma $1,448 $36 2.5%
Oregon $1,294 -$118 -8.4%
Pennsylvania $1,346 -$66 -4.7%
Rhode Island $1,884 $472 33.4%
South Carolina $1,278 -$134 -9.5%
South Dakota $1,192 -$220 -15.6%
Tennessee $1,236 -$176 -12.5%
Texas $1,700 $288 20.4%
Utah $1,044 -$368 -26.1%
Vermont $968 -$444 -31.4%
Virginia $844 -$568 -40.2%
Washington $1,088 -$324 -22.9%
West Virginia $1,294 -$118 -8.4%
Wisconsin $976 -$436 -30.9%
Wyoming $1,258 -$154 -10.9%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $530 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $396 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Hyundai Sonata Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Sonata GLS 4-Dr Sedan $1,370 $114
Hyundai Sonata GLS 4-Dr Sedan $1,370 $114
Hyundai Sonata GLS 4-Dr Sedan $1,370 $114
Hyundai Sonata SE 4-Dr Sedan $1,456 $121
Hyundai Sonata SE 4-Dr Sedan $1,456 $121
Hyundai Sonata Limited 4-Dr Sedan $1,496 $125
Hyundai Sonata Limited 4-Dr Sedan $1,496 $125

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.

Hyundai Sonata Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Hyundai Sonata $280 $512 $440 $1,412
2019 Hyundai Sonata $270 $506 $450 $1,406
2018 Hyundai Sonata $260 $494 $470 $1,404
2017 Hyundai Sonata $250 $474 $486 $1,390
2016 Hyundai Sonata $238 $458 $500 $1,376
2015 Hyundai Sonata $228 $424 $510 $1,342
2014 Hyundai Sonata $218 $400 $514 $1,312
2013 Hyundai Sonata $210 $358 $520 $1,268
2012 Hyundai Sonata $196 $330 $520 $1,226
2011 Hyundai Sonata $190 $310 $524 $1,204
2010 Hyundai Sonata $184 $288 $534 $1,186
2009 Hyundai Sonata $172 $268 $534 $1,154
2008 Hyundai Sonata $166 $244 $540 $1,130
2007 Hyundai Sonata $156 $222 $534 $1,092
2006 Hyundai Sonata $146 $202 $534 $1,062
2005 Hyundai Sonata $142 $182 $530 $1,034
2004 Hyundai Sonata $140 $178 $520 $1,018
2003 Hyundai Sonata $136 $168 $510 $994
2002 Hyundai Sonata $126 $160 $504 $970
2001 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 the Right Hyundai Sonata Insurance

Saving money on insurance for a Hyundai Sonata not only requires not taking risks behind the wheel, but also having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save up to $170 per year just by quoting early and online
  • Increasing deductibles can save approximately $525 each year
  • Teens are the costliest to insure, with premiums as much as $446 per month if full coverage is purchased
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,640 more every year for Sonata 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

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

Rates by Driver Age

Hyundai Sonata Insurance Rates by Driver Age
Driver Age Premium
16 $5,348
20 $3,262
30 $1,466
40 $1,412
50 $1,290
60 $1,266

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,760
$250 $1,600
$500 $1,412
$1,000 $1,232

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,412
50/100 $1,584
100/300 $1,694
250/500 $1,980
100 CSL $1,628
300 CSL $1,870
500 CSL $2,046

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Insurance Rates for High Risk Drivers
Age Premium
16 $7,610
20 $5,186
30 $3,110
40 $3,050
50 $2,912
60 $2,886

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.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $90
Paid in Full/EFT $63
Advance Quote $69
Online Quote $99
Total Discounts $591
Rate after discounts $821

Discounts are estimated and may not be available from every company or in every state.

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