Hyundai Sonata Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 31, 2024
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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 insurance rates for a Hyundai Sonata are $1,406 a year for full coverage insurance. Comprehensive insurance costs on average $270, collision insurance costs $506, and liability coverage is estimated at $450. Liability-only coverage costs approximately $518 a year, and high-risk coverage costs $3,044 or more. Teenage drivers pay the most at up to $5,364 a year.
Average premium for full coverage: $1,406
Premium estimates by type of coverage:
Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Sonata trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Hyundai Sonata range from as low as $518 for the bare minimum liability coverage to a much higher rate of $3,044 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than using average rates.
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 Information
The chart below illustrates average Hyundai Sonata insurance rates for different risk profiles and scenarios.
- The best discount rate is $818
- Choosing higher $1,000 deductibles can save around $176 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,406
- Using more expensive low deductibles for comp and collision coverage will cost an extra $342 each year
- Drivers who are prone to accidents and violations could pay upwards of $3,044
- An auto insurance policy for full coverage for a teenage driver with full coverage may cost $5,364 each year
Insurance prices for a Hyundai Sonata also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
An older driver with a clean driving record and high 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 good drivers can expect to pay upwards of $5,300 a year. View Rates by Age
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 $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,900 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,272 | -$134 | -9.5% |
| Alaska | $1,078 | -$328 | -23.3% |
| Arizona | $1,168 | -$238 | -16.9% |
| Arkansas | $1,406 | -$0 | 0.0% |
| California | $1,602 | $196 | 13.9% |
| Colorado | $1,340 | -$66 | -4.7% |
| Connecticut | $1,442 | $36 | 2.6% |
| Delaware | $1,592 | $186 | 13.2% |
| Florida | $1,758 | $352 | 25.0% |
| Georgia | $1,298 | -$108 | -7.7% |
| Hawaii | $1,010 | -$396 | -28.2% |
| Idaho | $954 | -$452 | -32.1% |
| Illinois | $1,046 | -$360 | -25.6% |
| Indiana | $1,060 | -$346 | -24.6% |
| Iowa | $948 | -$458 | -32.6% |
| Kansas | $1,336 | -$70 | -5.0% |
| Kentucky | $1,918 | $512 | 36.4% |
| Louisiana | $2,080 | $674 | 47.9% |
| Maine | $868 | -$538 | -38.3% |
| Maryland | $1,160 | -$246 | -17.5% |
| Massachusetts | $1,124 | -$282 | -20.1% |
| Michigan | $2,440 | $1,034 | 73.5% |
| Minnesota | $1,178 | -$228 | -16.2% |
| Mississippi | $1,686 | $280 | 19.9% |
| Missouri | $1,246 | -$160 | -11.4% |
| Montana | $1,510 | $104 | 7.4% |
| Nebraska | $1,108 | -$298 | -21.2% |
| Nevada | $1,686 | $280 | 19.9% |
| New Hampshire | $1,014 | -$392 | -27.9% |
| New Jersey | $1,572 | $166 | 11.8% |
| New Mexico | $1,244 | -$162 | -11.5% |
| New York | $1,482 | $76 | 5.4% |
| North Carolina | $810 | -$596 | -42.4% |
| North Dakota | $1,150 | -$256 | -18.2% |
| Ohio | $970 | -$436 | -31.0% |
| Oklahoma | $1,442 | $36 | 2.6% |
| Oregon | $1,286 | -$120 | -8.5% |
| Pennsylvania | $1,340 | -$66 | -4.7% |
| Rhode Island | $1,874 | $468 | 33.3% |
| South Carolina | $1,276 | -$130 | -9.2% |
| South Dakota | $1,188 | -$218 | -15.5% |
| Tennessee | $1,230 | -$176 | -12.5% |
| Texas | $1,692 | $286 | 20.3% |
| Utah | $1,042 | -$364 | -25.9% |
| Vermont | $962 | -$444 | -31.6% |
| Virginia | $842 | -$564 | -40.1% |
| Washington | $1,086 | -$320 | -22.8% |
| West Virginia | $1,288 | -$118 | -8.4% |
| Wisconsin | $972 | -$434 | -30.9% |
| Wyoming | $1,254 | -$152 | -10.8% |
Using high physical damage deductibles can save as much as $520 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $405 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges around 43% to 135% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata SE 4-Dr Sedan | $1,448 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,448 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,490 | $124 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata | $280 | $512 | $440 | $1,412 |
| 2023 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2022 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2021 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2020 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2019 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2018 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2017 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2016 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2015 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2014 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2013 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2012 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2011 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2010 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2009 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2008 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2007 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2006 Hyundai Sonata | $126 | $160 | $504 | $970 |
| 2005 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 Cheaper Hyundai Sonata Insurance
Finding better rates on auto insurance takes being a low-risk driver, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest time comparing rates at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a condensed summary of the car insurance concepts covered in the charts and tables above.
- Drivers with multiple at-fault accidents pay an average of $1,640 more each year to insure their Sonata
- It is possible to save as much as $170 per year just by shopping early and online
- Increasing policy deductibles can save around $525 each year
- Consumers who require more liability coverage will pay an extra $500 annually to raise limits from 30/60 bodily injury limits to 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.
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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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,364 |
| 20 | $3,260 |
| 30 | $1,460 |
| 40 | $1,406 |
| 50 | $1,286 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,590 |
| $500 | $1,406 |
| $1,000 | $1,230 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,406 |
| 50/100 | $1,580 |
| 100/300 | $1,693 |
| 250/500 | $1,985 |
| 100 CSL | $1,625 |
| 300 CSL | $1,873 |
| 500 CSL | $2,053 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,628 |
| 20 | $5,184 |
| 30 | $3,104 |
| 40 | $3,044 |
| 50 | $2,908 |
| 60 | $2,882 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $62 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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