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Hyundai Sonata Insurance Rates

Hyundai Sonata insurance

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.

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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 $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
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,276-$136-9.6%
Alaska$1,084-$328-23.2%
Arizona$1,172-$240-17.0%
Arkansas$1,412-$00.0%
California$1,608$19613.9%
Colorado$1,346-$66-4.7%
Connecticut$1,450$382.7%
Delaware$1,598$18613.2%
Florida$1,764$35224.9%
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$51236.3%
Louisiana$2,090$67848.0%
Maine$874-$538-38.1%
Maryland$1,166-$246-17.4%
Massachusetts$1,126-$286-20.3%
Michigan$2,452$1,04073.7%
Minnesota$1,180-$232-16.4%
Mississippi$1,692$28019.8%
Missouri$1,254-$158-11.2%
Montana$1,518$1067.5%
Nebraska$1,114-$298-21.1%
Nevada$1,692$28019.8%
New Hampshire$1,018-$394-27.9%
New Jersey$1,580$16811.9%
New Mexico$1,248-$164-11.6%
New York$1,488$765.4%
North Carolina$814-$598-42.4%
North Dakota$1,156-$256-18.1%
Ohio$974-$438-31.0%
Oklahoma$1,448$362.5%
Oregon$1,294-$118-8.4%
Pennsylvania$1,346-$66-4.7%
Rhode Island$1,884$47233.4%
South Carolina$1,278-$134-9.5%
South Dakota$1,192-$220-15.6%
Tennessee$1,236-$176-12.5%
Texas$1,700$28820.4%
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 TrimAnnual PremiumMonthly 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 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$512$440$1,412
2017 Hyundai Sonata$270$506$450$1,406
2016 Hyundai Sonata$260$494$470$1,404
2015 Hyundai Sonata$250$474$486$1,390
2014 Hyundai Sonata$238$458$500$1,376
2013 Hyundai Sonata$228$424$510$1,342
2012 Hyundai Sonata$218$400$514$1,312
2011 Hyundai Sonata$210$358$520$1,268
2010 Hyundai Sonata$196$330$520$1,226
2009 Hyundai Sonata$190$310$524$1,204
2008 Hyundai Sonata$184$288$534$1,186
2007 Hyundai Sonata$172$268$534$1,154
2006 Hyundai Sonata$166$244$540$1,130
2005 Hyundai Sonata$156$222$534$1,092
2004 Hyundai Sonata$146$202$534$1,062
2003 Hyundai Sonata$142$182$530$1,034
2002 Hyundai Sonata$140$178$520$1,018
2001 Hyundai Sonata$136$168$510$994
2000 Hyundai Sonata$126$160$504$970
1999 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

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Rates by Driver Age

Hyundai Sonata Insurance Rates by Driver Age
Driver AgePremium
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
DeductiblePremium
$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 LimitPremium
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
AgePremium
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.

DiscountSavings
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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