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Hyundai Sonata Insurance Rates

Hyundai Sonata insurance

Average insurance rates for a Hyundai Sonata are $1,354 a year with full coverage. Comprehensive insurance costs around $280 a year, collision insurance costs $504, and liability costs $400. Liability-only coverage costs as little as $470 a year, and high-risk coverage costs $2,922 or more. 16-year-old drivers receive the highest rates at up to $5,086 a year.

Average premium for full coverage: $1,354

Rate estimates for individual coverage type:

Comprehensive $280
Collision $504
Liability $400

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 $470 for minimum levels of liability insurance to a high of $2,922 for a policy for a high-risk driver.

Liability Only $470
Full Coverage $1,354
High Risk $2,922

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 $1,016
Small Cities $1,422
Large Cities $1,828

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.

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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 $787
  • Drivers who choose higher $1,000 deductibles will pay about $1,176 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,354
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $346 annually
  • Drivers with multiple tickets or accidents could pay at least $2,922
  • The cost that insures a 16-year-old driver can be $5,086 a year

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing Hyundai Sonata insurance prices range from $787 to $5,086 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 $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 132% 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 $5,000 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 $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $2,030 on average in Florida, Michigan, and New York.

Hyundai Sonata Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,302-$52-3.8%
Alaska$1,112-$242-17.9%
Arizona$1,358$40.3%
Arkansas$1,376$221.6%
California$1,522$16812.4%
Colorado$1,408$544.0%
Connecticut$1,774$42031.0%
Delaware$1,650$29621.9%
Florida$1,828$47435.0%
Georgia$1,342-$12-0.9%
Hawaii$1,462$1088.0%
Idaho$942-$412-30.4%
Illinois$1,006-$348-25.7%
Indiana$968-$386-28.5%
Iowa$1,018-$336-24.8%
Kansas$1,244-$110-8.1%
Kentucky$1,754$40029.5%
Louisiana$2,196$84262.2%
Maine$928-$426-31.5%
Maryland$1,396$423.1%
Massachusetts$1,194-$160-11.8%
Michigan$2,490$1,13683.9%
Minnesota$1,192-$162-12.0%
Mississippi$1,326-$28-2.1%
Missouri$1,156-$198-14.6%
Montana$1,228-$126-9.3%
Nebraska$1,116-$238-17.6%
Nevada$1,750$39629.2%
New Hampshire$1,106-$248-18.3%
New Jersey$1,350-$4-0.3%
New Mexico$1,256-$98-7.2%
New York$1,764$41030.3%
North Carolina$960-$394-29.1%
North Dakota$1,318-$36-2.7%
Ohio$954-$400-29.5%
Oklahoma$1,646$29221.6%
Oregon$1,266-$88-6.5%
Pennsylvania$1,524$17012.6%
Rhode Island$1,644$29021.4%
South Carolina$1,260-$94-6.9%
South Dakota$1,062-$292-21.6%
Tennessee$1,220-$134-9.9%
Texas$1,302-$52-3.8%
Utah$1,202-$152-11.2%
Vermont$966-$388-28.7%
Virginia$978-$376-27.8%
Washington$1,194-$160-11.8%
West Virginia$1,378$241.8%
Wisconsin$1,382$282.1%
Wyoming$1,496$14210.5%

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 $360 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 TrimAnnual PremiumMonthly Premium
Hyundai Sonata GLS 4-Dr Sedan$1,312$109
Hyundai Sonata GLS 4-Dr Sedan$1,312$109
Hyundai Sonata GLS 4-Dr Sedan$1,312$109
Hyundai Sonata SE 4-Dr Sedan$1,396$116
Hyundai Sonata SE 4-Dr Sedan$1,396$116
Hyundai Sonata Limited 4-Dr Sedan$1,440$120
Hyundai Sonata Limited 4-Dr Sedan$1,440$120

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Hyundai Sonata$280$504$400$1,354
2017 Hyundai Sonata$266$486$418$1,340
2016 Hyundai Sonata$256$482$428$1,336
2015 Hyundai Sonata$246$470$446$1,332
2014 Hyundai Sonata$238$450$460$1,318
2013 Hyundai Sonata$226$434$474$1,304
2012 Hyundai Sonata$216$404$484$1,274
2011 Hyundai Sonata$208$380$488$1,246
2010 Hyundai Sonata$200$340$494$1,204
2009 Hyundai Sonata$186$314$494$1,164
2008 Hyundai Sonata$180$294$498$1,142
2007 Hyundai Sonata$176$274$508$1,128
2006 Hyundai Sonata$162$254$508$1,094
2005 Hyundai Sonata$158$230$512$1,070
2004 Hyundai Sonata$148$212$508$1,038
2003 Hyundai Sonata$138$192$508$1,008
2002 Hyundai Sonata$134$172$502$978
2001 Hyundai Sonata$132$168$494$964
2000 Hyundai Sonata$130$160$484$944
1999 Hyundai Sonata$120$152$480$922

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 $160 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 $424 per month if full coverage is purchased
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,570 more every year for Sonata insurance

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Rates by Driver Age

Hyundai Sonata Insurance Rates by Driver Age
Driver AgePremium
16$5,086
20$3,126
30$1,408
40$1,354
50$1,236
60$1,214

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,700
$250$1,540
$500$1,354
$1,000$1,176

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,354
50/100$1,520
100/300$1,620
250/500$1,880
100 CSL$1,560
300 CSL$1,780
500 CSL$1,940

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Insurance Rates for High Risk Drivers
AgePremium
16$7,240
20$4,966
30$2,984
40$2,922
50$2,790
60$2,764

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 $186

Potential Rate Discounts

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

DiscountSavings
Multi-policy$71
Multi-vehicle$70
Homeowner$20
5-yr Accident Free$98
5-yr Claim Free$86
Paid in Full/EFT$61
Advance Quote$66
Online Quote$95
Total Discounts$567
Rate after discounts $787

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

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