Key Takeaways
The Hyundai Sonata, one of the most popular sedans, is an 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 Hyundai Sonata car insurance cost, as well as the most cost-effective insurance provider for its different models and trim levels, and the steps you can take as a car owner to get the best rates.
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 $26,900 and $31,250.
The average annual insurance cost for a Hyundai Sonata is 1,812, around $151 per month.
Hyundai Sonata might be on the costlier end when it comes to insurance. However, when we compare the different models from other car brands, we observe that Lincoln MKT is costlier to insure than Hyundai.
| Vehicle | Average Annual Insurance Rate |
|---|---|
| Hyundai Sonata | $1,812 |
| Lincoln MKT | $1,824 |
| Infiniti Q50 | $1,332 |
| Nissan Altima | $1,212 |
| Nissan Versa | $1,284 |
| Honda Accord | $1,128 |
| Nissan Maxima | $1,584 |
The cheapest car insurance companies for a Hyundai Sonata model are USAA and Erie, with their average annual rates below $2,000. The rates can be as high as $4,109 with providers like Farmers.
| Company | Average Annual Cost |
|---|---|
| USAA | $1,890 |
| Erie | $1,973 |
| Nationwide | $2,134 |
| Travelers | $2,235 |
| Auto Owners | $2,350 |
| Progressive | $2,714 |
| State Farm | $2,749 |
| Mercury | $2,955 |
| Westfield | $3,124 |
| Allstate | $3,588 |
| Farmers | $4,109 |
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 are the primary contributors to the overall cost of car insurance for a Hyundai Sonata.
The average cost to insure a 2020 Hyundai Sonata is $1,816 annually. Vermont Mutual is the cheapest company offering insurance at $1,291 per year. Southern Farm Bureau is the most expensive provider for this model at $1,685 per year.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,291 |
| USAA | $1,409 |
| Tennessee Farmers | $1,461 |
| American Family | $1,508 |
| Nationwide | $1,513 |
| Erie | $1,537 |
| Mercury | $1,606 |
| Country | $1,620 |
| State Farm | $1,633 |
| Plymouth Rock Insurance | $1,643 |
| Southern Farm Bureau | $1,685 |
The 2019 Hyundai Sonata models are expensive to insure at an average annual cost of $1,882 per year. At $1,265 per year, Cincinnati Insurance is the cheapest car insurance provider for a 2019 Hyundai Sonata model.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Cincinnati Insurance | $1,265 |
| USAA | $1,319 |
| Erie | $1,369 |
| Auto Owners | $1,405 |
| Nationwide | $1,531 |
| American Family | $1,532 |
| Country | $1,549 |
| Plymouth Rock Insurance | $1,555 |
| Mercury | $1,577 |
| State Farm | $1,679 |
| Acuity | $1,681 |
The 2018 Hyundai Sonata comes in SE, Eco, SEL, SEL+, Sport+, Sport, Limited, Sport 2.0T, Limited 2.0T+, and Limited 2.0T trims. Insurance costs average around $1,550 per year, with USAA offering the lowest rates at $1,075 per year and Mercury being the most expensive provider at $1,455 per year.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,075 |
| Tennessee Farmers | $1,136 |
| Erie | $1,143 |
| Plymouth Rock Insurance | $1,211 |
| Vermont Mutual | $1,325 |
| Progressive | $1,336 |
| State Farm | $1,363 |
| Nationwide | $1,369 |
| Acuity | $1,375 |
| American Family | $1,450 |
| Mercury | $1,455 |
The average annual premium to insure a 2017 Hyundai Sonata is $1,333. You can find the cheapest rates with Texas Farm Bureau at $1,003 per year. The most expensive rates are with American Family and Nationwide, both above $1,300 annually.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Texas Farm Bureau | $1,003 |
| USAA | $1,042 |
| Erie | $1,088 |
| Tennessee Farmers | $1,147 |
| Plymouth Rock Insurance | $1,178 |
| State Farm | $1,224 |
| Progressive | $1,256 |
| Vermont Mutual | $1,276 |
| Acuity | $1,361 |
| Nationwide | $1,367 |
| American Family | $1,369 |
The average cost to insure a 2016 Hyundai Sonata is $1,337 annually. Texas Farm Bureau provides the most affordable coverage for the 2016 Hyundai Sonata at $964 annually. The costliest option is American Family, with an annual premium of $1,369.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Texas Farm Bureau | $964 |
| USAA | $1,042 |
| Erie | $1,088 |
| Tennessee Farmers | $1,147 |
| Plymouth Rock Insurance | $1,178 |
| State Farm | $1,224 |
| Progressive | $1,256 |
| Vermont Mutual | $1,276 |
| Acuity | $1,361 |
| Nationwide | $1,367 |
| American Family | $1,369 |
The lowest insurance rate for a 2015 Hyundai Sonata comes from Erie at $791. Acuity charges $1,158 per year for the highest insurance cost.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $791 |
| USAA | $811 |
| State Farm | $900 |
| Texas Farm Bureau | $965 |
| Progressive | $964 |
| Vermont Mutual | $1,044 |
| Tennessee Farmers | $1,066 |
| Plymouth Rock Insurance | $1,128 |
| Nationwide | $1,137 |
| American Family | $1,156 |
| Acuity | $1,158 |
Owners of a 2014 Hyundai Sonata pay an average insurance cost of $1,240 per year. The lowest-priced policy has premiums starting at $896 annually, as offered by insurance companies like Erie and Texas Farm Bureau.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Texas Farm Bureau | $896 |
| Erie | $954 |
| USAA | $1,037 |
| Vermont Mutual | $1,044 |
| Tennessee Farmers | $1,097 |
| Plymouth Rock Insurance | $1,103 |
| Acuity | $1,167 |
| Country | $1,265 |
| Arbella | $1,288 |
| American Family | $1,318 |
| Progressive | $1,338 |
With an average annual insurance cost of $1,195, it is cheapest to insure through Erie at $859 annually. American Family offers the highest rates at $1,208 per year.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $859 |
| Texas Farm Bureau | $865 |
| USAA | $911 |
| Vermont Mutual | $985 |
| Tennessee Farmers | $1,058 |
| Plymouth Rock Insurance | $1,075 |
| Progressive | $1,077 |
| State Farm | $1,125 |
| Acuity | $1,141 |
| Arbella | $1,184 |
| American Family | $1,208 |
The 2012 Hyundai Sonata, offered in GLS, SE, SE 2.0T, Limited, and Limited 2.0T trims, has an average yearly insurance cost of $1,043, with Erie providing the cheapest rates and Arbella being the most expensive. The cheapest rate to insure a 2012 Hyundai Sonata model is $784 annually.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $784 |
| USAA | $801 |
| Texas Farm Bureau | $836 |
| Vermont Mutual | $911 |
| Progressive | $964 |
| State Farm | $995 |
| Tennessee Farmers | $1,016 |
| Plymouth Rock Insurance | $1,053 |
| Acuity | $1,074 |
| American Family | $1,154 |
| Arbella | $1,174 |
The 2011 Hyundai Sonata is available in GLS, GLS PZEV, SE 2.0T, Limited, Limited PZEV, Limited 2.0T, and SE trims, with an average annual insurance cost of $1,017. Erie offers the most affordable rate, $720 per year, while Nationwide is the most expensive provider at $1,163 per year.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $720 |
| Texas Farm Bureau | $818 |
| USAA | $822 |
| Vermont Mutual | $864 |
| Progressive | $920 |
| State Farm | $987 |
| Tennessee Farmers | $993 |
| Plymouth Rock Insurance | $1,032 |
| Arbella | $1,045 |
| American Family | $1,095 |
| Nationwide | $1,163 |
The Hyundai Sonata is built for adventure but doesn't compromise on safety. Its wide range of standard and available safety features can help lower insurance costs when shopping for coverage.
Bundling policies and comparing rates before finalizing your insurance rates can help you lower the cost of Hyundai Sonata car insurance. We have observed the car insurance rates of this sedan to be higher when compared to similar models.
Reckless or careless driving can stay on your record, leading to higher insurance premiums, especially if you have at-fault accidents or DUIs. While this can increase the car insurance scores irrespective of the trim levels, owning a lower trim level will give you a head start on cheap Hyundai Sonata car insurance rates.
Using anti-theft devices on your Sonata will create a positive impact on the risk factor and help you to get a lower insurance quote.
Similarly, drivers with strong credit scores can save significantly on insurance compared to those with lower scores. In addition, look for common discounts like multi-policy, low mileage, good student, defensive driving, and loyalty discounts to lower your premiums.
Compare the insurance rates from multiple insurers, either online or offline, to get an idea of the Hyundai Sonata car insurance rates. Car owners can use applications such as the Way app, which allows them to get the cheapest quotes from more than 150 car insurance providers.
However, make sure you are using accurate information on the driver and car to get your quote. With inappropriate details, you might be disappointed when you see the actual quotes. Similarly, the coverage cost for the Hyundai Sonata changes according to the respective state law.
For the cheapest Hyundai Sonata car insurance quotes, download the Way app or head to Way.com. You get to compare offers from over 150 different insurance providers on the platform, which lets you choose the best policy for your Hyundai Sonata.
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
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