Hyundai Sonata • Quoteinspector.com (2024)

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Written by:

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina.He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson

Insurance Lawyer

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 auto insurance rates for a Hyundai Sonata are $1,412 annually including full coverage. Comprehensive insurance costs on average $280, collision costs $512, and liability is $440. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $3,050 or more. 16-year-old drivers pay the most at $5,348 a year or more.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Comprehensive $280

Collision $512

Liability $440

Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all Sonata models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Hyundai Sonata go from as cheap as $510 for the bare minimum liability coverage to the much higher price of $3,050 for a policy for a high-risk driver.

Liability Only $510

Full Coverage $1,412

High Risk $3,050

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how your location can change car insurance rates.

Rural Areas $1,059

Small Cities $1,483

Large Cities $1,906

These rate differences highlight why everyone should compare rates quotes based on a specific location and their own personal driving habits, 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.

Additional Rate Information

The chart below breaks down estimated Hyundai Sonata insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $821
  • Raising to $1,000 deductibles will save around $180 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,412
  • Buying pricier low deductibles costs an additional $348 annually
  • Drivers with multiple tickets or accidents could pay upwards of $3,050 or more
  • An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $5,348

View Chart as Image

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Insurance prices for a Hyundai Sonata also have a wide range based on the model of your Sonata, your driving characteristics, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,300 additional annually, depending on your age. Hyundai Sonata insurance for high-risk drivers is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $530 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $396 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Hyundai Sonata insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,010 on average in Michigan, New York, and Louisiana.

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

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With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices will be substantially different between companies.

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 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.

Hyundai Sonata Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2024 Hyundai Sonata$294$532$420$1,426
2023 Hyundai Sonata$280$512$440$1,412
2022 Hyundai Sonata$270$506$450$1,406
2021 Hyundai Sonata$260$494$470$1,404
2020 Hyundai Sonata$250$474$486$1,390
2019 Hyundai Sonata$238$458$500$1,376
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

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 Buy the Best Hyundai Sonata Insurance

Finding better rates on insurance for a Hyundai Sonata consists of being a safe and courteous driver, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Invest the time to shop around every year by getting quotes from direct car insurance companies, and also from several local insurance agents.

Below is a brief recap of the coverage data illustrated above.

  • You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $525 each year
  • Teenage drivers pay higher prices, with the cost nearing $446 per month if they have full coverage
  • Drivers considered higher risk who tend to receive serious violations pay on average $1,640 more each year for auto insurance

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.

  • Chevrolet Malibu Insurance Rates
  • Ford Fusion Insurance Rates
  • Honda Accord Insurance Rates

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

  1. https://www.iihs.org/ratings/vehicle/hyundai/sonata-4-door-sedan/2020
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