Progressive
$48/mo
Allstate
$60/mo
General
$32/mo
State Farm
$26/mo
Erie
$42/mo
Progressive
Allstate
General
State Farm
Erie
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 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 |
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 |
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.
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 |
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.
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 |
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 |
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.
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 |
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 |
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 |
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 |
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 |
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 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 |
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 |
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 |
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.
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% |
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 |
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.
Thorough online research can help in choosing the best insurance provider that suits your needs.
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.
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.
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.
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.
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.
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.
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
When compared to the other models from Hyundai, Sonata is expensive to insure. It costs $2077 on average to insure Hyundai Sonata.
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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