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Key Takeaways

  • The average annual insurance rate of a Hyundai Sonata is $2077.
  • Hyundai Sonata is expensive among the Hyundai models where insurance is concerned.
  • USAA and Nationwide offer the cheapest rates for insuring your Sonata.

It might look like a hard truth, but the Hyundai Sonata, one of the most popular sedans, is the most expensive Hyundai model to insure. The make and model of a vehicle has a significant impact on insurance prices.

In this review, we examine the various elements that contribute to the overall cost of auto insurance for a Hyundai Sonata, as well as the most cost-effective insurance provider for its different models and trim levels, the sedan's performance in crash tests, and the insurance discounts that are available for purchasing it from Hyundai.

Hyundai Sonata Car Insurance Cost

Hyundai Sonata base models are equipped with features that are considered essential for senior drivers. It comes with automatic headlights, adaptive cruise control, high-beam assist, and lane control assistance. The higher trim levels have other sophisticated features making it a popular sedan. The price range is between $23,600 and $33,550.

The average annual insurance cost for Hyundai Sonata is $2077. One of the costliest to insure, the monthly premium for a Sonata is $173.

The following is a list of general parameters that influence the Hyundai Sonata car insurance cost. Teens who drive a Hyundai Sonata have the highest insurance premiums. However, higher deductibles result in a noticeable reduction in insurance prices. A teenage driver driving a Hyundai Sonata pays the highest insurance rate of $5218 per year.

Parameter Insurance Cost
Discount Rate $809
High Deductibles $1234
Low Deductibles $1804
High-Risk Driver $3043
Teen Driver $5218

Is Hyundai Sonata expensive to insure?

Hyundai Sonata might be on the costlier end when it comes to insurance. But when we compare the different models from other car brands, we observe that Lincoln MKZ, Infiniti Q50, and Nissan Altima are costlier to insure than Hyundai.

Vehicle Comprehensive Collision Liability
Hyundai Sonata $300 $538 $426
Lincoln MKT $326 $692 $456
Infiniti Q50 $350 $692 $404
Nissan Altima $312 $576 $396
Nissan Versa $273 $548 $396
Honda Accord $286 $506 $378
Nissan Maxima $378 $636 $396

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What impacts the cost of Hyundai Sonata car insurance?

When determining the amount of an individual's monthly insurance premium, insurance companies take into account a number of criteria, both driving-related and non-driving-related. It varies from person to person, as well as depending on the model and manufacturer of the car. Here, we will examine the primary contributors to the overall cost of car insurance for a Hyundai Sonata.

Age of the Car

The insurance rates for older Hyundai models are less than the latest ones. When we observe the insurance rate of Sonata models according to age, it can be seen that the least expensive to insure would be a 2010 Sonata while the highest is a 2020 model, increasing with the higher trim levels.

The average difference in insurance cost between the oldest and the latest Sonata model is $220.

Year of the Model Comprehensive Collision Liability Total
2020 Hyundai Sonata $300 $538 $426 $1430
2019 Hyundai Sonata $286 $518 $446 $1,418
2018 Hyundai Sonata $276 $512 $456 $1,412
2017 Hyundai Sonata $266 $500 $476 $1,410
2016 Hyundai Sonata $256 $480 $492 $1,396
2015 Hyundai Sonata $244 $464 $506 $1,382
2014 Hyundai Sonata $228 $424 $510 $1,342
2013 Hyundai Sonata $224 $406 $520 $1,318
2012 Hyundai Sonata $216 $364 $526 $1,274
2011 Hyundai Sonata $200 $336 $526 $1,232
2010 Hyundai Sonata $196 $316 $530 $1,210

Age of the Driver

Car insurance premiums are strongly influenced by the age of the driver. This is due to the fact that your age might determine whether you are considered a high-risk or low-risk driver. Because of their lack of experience, teenage drivers have to pay an average of $5218, while drivers who are older pay somewhere in the range of $1400 to $1280 annually.

Age Average Annual Premium
Teens $5218
20s $3239
30s $1495
40s $1432
50s $1307
60s $1279

Location of the Driver

Each insurance company determines its premium rates based on accident data, theft statistics, and the population of a certain area. While considering the insurance costs for a Hyundai Sonata according to location, we can see that cities like New York, Houston, and Philadelphia have costs that are greater than the Sonata model's average, while other areas, such as Seattle, Indianapolis, and Columbus have costs that are lower.

City Average Annual Premium
Indianapolis $1218
Seattle $1389
Phoenix $1660
Chicago $1888
Philadelphia $1917
Jacksonville $2074
Houston $2241
New York $2258
Los Angeles $2444
Columbus $1820
Austin $1586
San Antonio $1668
Dallas $1862
San Deigo $1952

Driving Record

Your auto insurance prices are determined by your driving record. When comparing the insurance prices for a Hyundai Sonata based on age and traffic infractions, younger drivers with reckless driving violations pay more than older drivers with the same record. However, regardless of the age and model of your Hyundai, a driving record with traffic violations might increase your auto insurance premiums.

Age Speeding Accidents Clean Record
20 $6200 $3524 $3239
30 $1494 $1626 $1495
40 $2738 $1557 $1432
50 $2499 $1421 $1307
60 $1279 $1391 $1279

Insurance Company

Here is a list of nationally recognized insurance companies that provide the most affordable rates for Hyundai Sonata models irrespective of the year of their make and trim levels.

Company Average Monthly Premium for Full Coverage
State Farm $1567
Plymouth Rock Insurance $1577
Erie $1471
American Family $1441
USAA $1343
Nationwide $1447
Tennesse Farmers $1395

Hyundai Sonata Insurance Rates according to Model Year and Trim Levels

The recent models will be costlier to insure than the older models of the Hyundai Sonata. The recent models with sophisticated features and better safety equipment make them eligible for discounts, while the higher replacement costs can also be a reason for the higher insurance rates. The car insurance rates will also vary with the trim levels, which are many among Hyundai Sonata models.

2021 Hyundai Sonata Insurance Cost by Trim Level

SEL Plus Tech, SEL Premium, and the Limited Sedan variants are the costliest to insure, with rates of $1764, $1758, and 1804 respectively.

2021 Hyundai Sonata Annual Average Insurance Rate Monthly Rate
SE Sedan $1,624 $141
SEL Sedan $1,668 $145
SEL Convenience 2 Sedan $1,700 $147
SEL Convenience Sedan $1,700 $147
SEL Plus Sedan $1,700 $147
SEL Premium Plus Sedan $1,714 $148
SEL Premium Sedan $1,714 $148
SEL Plus Tech Sedan $1,764 $158
SEL Premium w/Navi Sedan $1,758 $151
Limited Sedan $1,804 $156

2020 Hyundai Sonata Insurance Cost by Trim Level

The base variants of this model would cost $1598 per year, while the limited variants would be the costliest to insure, costing $1774 per year and $153 per month.

2020 Hyundai Sonata Annual Average Insurance Rate Monthly Rate
SE Sedan $1,598 $139
SEL Sedan $1,642 $142
SEL Convenience 2 Sedan $1,678 $145
SEL Convenience Sedan $1,672 $145
SEL Plus Sedan $1,672 $145
SEL Premium Plus Sedan $1,686 $146
SEL Premium Sedan $1,686 $146
SEL Plus Tech Sedan $1,730 $150
SEL Premium w/Navi Sedan $1,730 $150
Limited Sedan $1,774 $153

2019 Hyundai Sonata Insurance Cost by Trim Level

Among the 2019 models, we see that Eco Sedan, SE, and SEL sedans cost the same to insure. The highest insurance rates are for the 2019 hybrid plug-in limited sedan.

2019 Hyundai Sonata Annual Average Insurance Rate Monthly Rate
Hybrid SE Sedan $1,348 $118
Eco Sedan $1,460 $127
SE Sedan $1,460 $127
SEL Sedan $1,460 $127
Hybrid Limited Sedan $1,464 $128
Sport Sedan $1,501 $131
Limited Sedan $1,544 $134
Hybrid Plug-in Sedan $1,580 $137
Limited 2.0T Sedan $1,588 $138
Sport 2.0T Sedan $1,588 $138
Hybrid Plug-in Limited Sedan $1,624 $145

2018 Hyundai Sonata Insurance Cost by Trim Level

Among the 2018 models, the hybrid SE sedan costs $1388 per year and is the cheapest to insure, while the hybrid plug-in limited variant is the costliest to insure.

2018 Hyundai Sonata Annual Average Insurance Rate Monthly Rate
Hybrid SE Sedan $1,388 $121
Eco Sedan $1,426 $124
SE Sedan $1,426 $124
SEL Sedan $1,426 $124
Sport Sedan $1,468 $128
Hybrid Limited Sedan $1,498 $130
Limited Sedan $1,508 $131
Sport 2.0T Sedan $1,508 $131
Hybrid Plug-in Sedan $1,541 $135
Limited 2.0T Sedan $1,550 $135
Hybrid Plug-in Limited Sedan $1,584 $138

2017 Hyundai Sonata Insurance Cost by Trim Level

The average annual insurance rates of the 2017 Hyundai models range between $1354 and $1551.

2017 Hyundai Sonata Annual Average Insurance Rate Monthly Rate
Hybrid Sedan $1,354 $118
SE Sedan $1,354 $118
Sedan $1,354 $118
EcoSedan $1,394 $122
Sport Sedan $1,394 $122
Hybrid Limited Blue Pearl Sedan $1,460 $127
Hybrid Limited Sedan $1,460 $127
Limited Sedan $1,472 $128
Sport 2.0T Sedan $1,472 $128
Hybrid Plug-in Sedan $1,500 $131
Hybrid Plug-in Limited Blue Pearl Sedan $1,541 $134
Hybrid Plug-in Limited Sedan $1,541 $134
Limited 2.0T Sedan $1,551 $135

2016 Hyundai Sonata Insurance Cost by Trim Level

The 2016 Hyundai Sonata hybrid plug-in limited sedan is the most expensive among the variants of the year. It costs $1628 yearly on average to insure the same.

2016 Hyundai Sonata Annual Average Insurance Rate Monthly Rate
SE Sedan $1,312 $118
EcoSedan $1,348 $118
Sport Sedan $1,342 $112
Limited Sedan $1,422 $124
Sport 2.0T Sedan $1,422 $124
Hybrid Sedan $1,455 $127
Limited 2.0T Sedan $1,496 $130
Hybrid Limited Sedan $1,554 $135
Hybrid Limited Blue Pearl Sedan $1,592 $138
Hybrid Plug-in Sedan $1,592 $138
Hybrid Plug-in Limited Sedan $1,628 $141

2015 Hyundai Sonata Insurance Cost by Trim Level

2015 Hyundai Sonata models are cheaper to insure than its succeeding models, and the rates go hand in hand with the older models as well.

2015 Hyundai Sonata Annual Average Insurance Rate Monthly Rate
SE Sedan $1,190 $105
Eco Sedan $1,224 $108
Sport Sedan $1,224 $108
Hybrid Sedan $1,284 $113
Limited Sedan $1,294 $113
Sport 2.0 T Sedan $1,294 $113
Hybrid Limited Sedan $1,320 $116

2014 Hyundai Sonata Insurance Cost by Trim Level

The insurance cost among the 2014 models is somewhat similar, ranging between $1170 and $1350.

2014 Hyundai Sonata Annual Average Insurance Rate Monthly Rate
GLS Sedan $1,174 $103
SE Sedan $1,238 $109
Limited Sedan $1,270 $111
Hybrid Sedan $1,282 $112
Hybrid Limited Sedan $1,346 $118

2013 Hyundai Sonata Insurance Cost by Trim Level

The trim levels are less in number among the 2013 Sonata models. The GLS sedan is the least expensive to insure.

2013 Hyundai Sonata Annual Average Insurance Rate Monthly Rate
GLS Sedan $1,126 $99
Hybrid Sedan $1,158 $101
SE Sedan $1,158 $101
Limited Sedan $1,188 $105
Hybrid Limited Sedan $1,216 $107

Hyundai Sonata Safety Features

Your Hyundai Sonata's auto insurance costs are affected by the various safety features and specs it comes equipped with, which vary depending on the trim level you choose. Here, we will examine the characteristics as well as the safety ratings that have an effect on insurance rates.

Safety Features and Safety Ratings

According to the data from Insurance Institute for Highway Safety, the different test types carried out have shown good ratings for a Hyundai Sonata.

Test Type Rating
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

The safety features Hyundai Sonata models are equipped with ensures better safety as well as reduced insurance rates.

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Hyundai Sonata Car Insurance Loss Probability

The percentage or probability of insurance claims on the model of Sonata you own can influence the insurance rates. If the percentage of loss rate is low, then it indicates a lower insurance rate. However, the loss probability varies with the type of coverage.

Type of Coverage Loss Rate
Collision 29%
Property Damage -12%
Comprehensive 1%
Personal Injury 38%
Medical Payment 49%
Bodily Injury 10%

Hyundai Sonata Crash Test Ratings

The National Highway Traffic Safety Administration gives Hyundai Sonata overall 5 stars and 4 stars in other aspects in some models.

Model Overall Frontal Side Rollover
2020 Hyundai Sonata HEV 4 DR FWD 5 stars 4 stars 5 stars 5 stars
2020 Hyundai Sonata 4 DR FWD 5 stars 4 stars 5 stars 5 stars
2019 Hyundai Sonata Hybrid 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2019 Hyundai Sonata 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2018 Hyundai Sonata Hybrid 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2018 Hyundai Sonata 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2017 Hyundai Sonata Hybrid 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2017 Hyundai Sonata 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Hyundai Sonata Hybrid 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Hyundai Sonata 4 DR FWD 5 stars 5 stars 5 stars 4 stars

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Ways to Save on Hyundai Sonata Car Insurance

There are several hacks that can be used to save on your Hyundai Sonata insurance. Shopping around for insurance quotes with different providers can give you a head start on getting the affordable option for you. This is one of the many methods that will help you reduce the insurance premium rates.

  • Compare and Purchase

Thorough online research can help in choosing the best insurance provider that suits your needs.

  • Look for Discounts

Always look for discounts when you are purchasing insurance in Charleston. Most providers give multipolicy discounts, telematics discounts, good driver discounts, and bundling discounts. This can make a huge difference in the premium rates. Pay-in-full discounts are also offered by different providers.

  • Make Use of Student Discounts

If you are a young driver, then you can always make use of good student discounts and bundle your policies to reduce the premiums. You can also associate your policy with that of your parents, which will result in a good reduction in the premium rates.

  • Increase your Deductible

Even though a higher deductible can reduce your accident claim, it can also reduce vehicle insurance premiums. To make it a feasible option, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.

  • Improve your Credit Score

If you are looking for an affordable quote for your Hyundai Sonata, then improving and maintaining your credit score can fetch you better rates. In those states that allow the use of credit scores to calculate insurance rates, we observe that it will cost at least $240 more if you have a low credit score.

Bottom Line

In order to keep the cost of your auto insurance as low as possible, it is essential that you retain a clean driving record at all times. Since Hyundai Sonata is costlier to insure, it is advisable to shop around and make sure that they acquire the right discounts and obtain reduced insurance premiums.

How to get Hyundai Sonata Car Insurance with Way.com

Before choosing an insurer, do your research. Since Hyundai Sonata is more expensive than most Hyundai models comparing online quotes will keep you aligned with the trends in insurance and yield better coverage at a reduced cost.

Way.com evaluates the best auto insurance providers based on financial health, customer service, protection, and price.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is Hyundai Sonata expensive to insure?

When compared to the other models from Hyundai, Sonata is expensive to insure. It costs $2077 on average to insure Hyundai Sonata.

Is Hyundai Sonata a good car to buy?

Hyundai Sonata is a popular sedan from Hyundai. Its base models are equipped with features that are considered essential for senior drivers. It comes with automatic headlights, adaptive cruise control, high-beam assist, and lane control assistance. The higher trim levels have other sophisticated features making it a popular sedan. The price range is between $23,600 and $33,550.

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