Hyundai Sonata Insurance Rates
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UPDATED: Jun 6, 2023
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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.
The average insurance prices for a Hyundai Sonata are $1,390 every 12 months for full coverage insurance. Comprehensive insurance costs on average $250 each year, collision insurance costs $474, and liability is estimated at $486. Liability-only coverage costs approximately $548 a year, and high-risk coverage costs $3,016 or more. Teens cost the most to insure at up to $5,372 a year.
Average premium for full coverage: $1,390
Policy rates by type of insurance:
Rate estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Sonata models.
Price Range Variability
For a driver in their 40's, Hyundai Sonata insurance rates range from the cheapest price of $548 for just the minimum liability insurance to a high rate of $3,016 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.
The examples above illustrate why all drivers should get quotes based on a specific location and their own driving history, instead of using averaged prices.
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 Analysis
The chart below illustrates average Hyundai Sonata insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $809
- Choosing higher $1,000 deductibles can save around $164 each year
- The average price for a good driver age 40 with $500 deductibles is $1,390
- Selecting low deductibles for comp and collision coverage costs an extra $322 every year
- Unlucky drivers with serious driving violations could pay upwards of $3,016
- Policy cost to insure a teen driver may cost $5,372 each year
Insurance rates for a Hyundai Sonata also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Sonata.
Choosing higher comprehensive and collision insurance deductibles can save as much as $490 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $438 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 136% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Hyundai Sonata insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,880 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,254 | -$136 | -9.8% |
| Alaska | $1,066 | -$324 | -23.3% |
| Arizona | $1,154 | -$236 | -17.0% |
| Arkansas | $1,390 | -$0 | 0.0% |
| California | $1,582 | $192 | 13.8% |
| Colorado | $1,326 | -$64 | -4.6% |
| Connecticut | $1,426 | $36 | 2.6% |
| Delaware | $1,572 | $182 | 13.1% |
| Florida | $1,738 | $348 | 25.0% |
| Georgia | $1,284 | -$106 | -7.6% |
| Hawaii | $996 | -$394 | -28.3% |
| Idaho | $942 | -$448 | -32.2% |
| Illinois | $1,034 | -$356 | -25.6% |
| Indiana | $1,050 | -$340 | -24.5% |
| Iowa | $938 | -$452 | -32.5% |
| Kansas | $1,318 | -$72 | -5.2% |
| Kentucky | $1,894 | $504 | 36.3% |
| Louisiana | $2,058 | $668 | 48.1% |
| Maine | $858 | -$532 | -38.3% |
| Maryland | $1,148 | -$242 | -17.4% |
| Massachusetts | $1,108 | -$282 | -20.3% |
| Michigan | $2,412 | $1,022 | 73.5% |
| Minnesota | $1,162 | -$228 | -16.4% |
| Mississippi | $1,666 | $276 | 19.9% |
| Missouri | $1,230 | -$160 | -11.5% |
| Montana | $1,494 | $104 | 7.5% |
| Nebraska | $1,096 | -$294 | -21.2% |
| Nevada | $1,666 | $276 | 19.9% |
| New Hampshire | $1,002 | -$388 | -27.9% |
| New Jersey | $1,554 | $164 | 11.8% |
| New Mexico | $1,230 | -$160 | -11.5% |
| New York | $1,462 | $72 | 5.2% |
| North Carolina | $800 | -$590 | -42.4% |
| North Dakota | $1,140 | -$250 | -18.0% |
| Ohio | $960 | -$430 | -30.9% |
| Oklahoma | $1,426 | $36 | 2.6% |
| Oregon | $1,272 | -$118 | -8.5% |
| Pennsylvania | $1,324 | -$66 | -4.7% |
| Rhode Island | $1,852 | $462 | 33.2% |
| South Carolina | $1,262 | -$128 | -9.2% |
| South Dakota | $1,174 | -$216 | -15.5% |
| Tennessee | $1,214 | -$176 | -12.7% |
| Texas | $1,672 | $282 | 20.3% |
| Utah | $1,026 | -$364 | -26.2% |
| Vermont | $952 | -$438 | -31.5% |
| Virginia | $830 | -$560 | -40.3% |
| Washington | $1,072 | -$318 | -22.9% |
| West Virginia | $1,272 | -$118 | -8.5% |
| Wisconsin | $962 | -$428 | -30.8% |
| Wyoming | $1,238 | -$152 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Sonata GLS 4-Dr Sedan | $1,352 | $113 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,352 | $113 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,352 | $113 |
| Hyundai Sonata SE 4-Dr Sedan | $1,430 | $119 |
| Hyundai Sonata SE 4-Dr Sedan | $1,430 | $119 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,470 | $123 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,470 | $123 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2018 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2017 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2016 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2015 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2014 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2013 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2012 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2011 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2010 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2009 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2008 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2007 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2006 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2005 Hyundai Sonata | $126 | $160 | $504 | $970 |
| 2004 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 Shop for the Best Hyundai Sonata Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates at every policy renewal by quoting rates from direct insurance companies, and also from several local insurance agents.
The following is a brief recap of the data covered in the charts and tables above.
- Policyholders who require higher liability limits will pay approximately $540 annually to raise limits from a 30/60 limit to a 250/500 level
- It is possible to save as much as $160 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $475 each year
- Teens pay higher rates, possibly costing $448 each month if full coverage is included
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 | $5,372 |
| 20 | $3,224 |
| 30 | $1,436 |
| 40 | $1,390 |
| 50 | $1,274 |
| 60 | $1,248 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,712 |
| $250 | $1,562 |
| $500 | $1,390 |
| $1,000 | $1,226 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,390 |
| 50/100 | $1,567 |
| 100/300 | $1,689 |
| 250/500 | $2,005 |
| 100 CSL | $1,616 |
| 300 CSL | $1,883 |
| 500 CSL | $2,078 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,634 |
| 20 | $5,136 |
| 30 | $3,068 |
| 40 | $3,016 |
| 50 | $2,880 |
| 60 | $2,856 |
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 | $73 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $60 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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