Hyundai Sonata Insurance Rates
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:
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.
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.
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.
Companies will appear below. Click to load full page.
Recommended Companies for Cheap Hyundai Sonata Insurance
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
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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,302 | -$52 | -3.8% |
| Alaska | $1,112 | -$242 | -17.9% |
| Arizona | $1,358 | $4 | 0.3% |
| Arkansas | $1,376 | $22 | 1.6% |
| California | $1,522 | $168 | 12.4% |
| Colorado | $1,408 | $54 | 4.0% |
| Connecticut | $1,774 | $420 | 31.0% |
| Delaware | $1,650 | $296 | 21.9% |
| Florida | $1,828 | $474 | 35.0% |
| Georgia | $1,342 | -$12 | -0.9% |
| Hawaii | $1,462 | $108 | 8.0% |
| 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 | $400 | 29.5% |
| Louisiana | $2,196 | $842 | 62.2% |
| Maine | $928 | -$426 | -31.5% |
| Maryland | $1,396 | $42 | 3.1% |
| Massachusetts | $1,194 | -$160 | -11.8% |
| Michigan | $2,490 | $1,136 | 83.9% |
| 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 | $396 | 29.2% |
| 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 | $410 | 30.3% |
| North Carolina | $960 | -$394 | -29.1% |
| North Dakota | $1,318 | -$36 | -2.7% |
| Ohio | $954 | -$400 | -29.5% |
| Oklahoma | $1,646 | $292 | 21.6% |
| Oregon | $1,266 | -$88 | -6.5% |
| Pennsylvania | $1,524 | $170 | 12.6% |
| Rhode Island | $1,644 | $290 | 21.4% |
| 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 | $24 | 1.8% |
| Wisconsin | $1,382 | $28 | 2.1% |
| Wyoming | $1,496 | $142 | 10.5% |
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
| Model and Trim | Annual Premium | Monthly 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.
| Model Year | Comprehensive | Collision | Liability | Total 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
Compare Rates and Save
Find companies with the cheapest rates in your area
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 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
| Deductible | Premium |
|---|---|
| $100 | $1,700 |
| $250 | $1,540 |
| $500 | $1,354 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 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
| Age | Premium |
|---|---|
| 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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| 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 |
Discounts are estimated and may not be available from every company or in every state.
