Hyundai Sonata Insurance Cost Estimate [Guide + Free Quotes]
Hyundai Sonata insurance costs $119 per month on average, but you can compare Hyundai Sonata insurance quotes online with this guide. State Farm and GEICO are the most popular companies for Hyundai Sonata insurance coverage, and comparing quotes online can help you find affordable Hyundai Sonata insurance coverage from them or your preferred auto insurance provider.
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Table of Contents
Table of Contents
Insurance Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...
Leslie Kasperowicz
Updated October 2020
Key takeaways:
- Full coverage costs around $1,426 a year or $119 each month
- A liability-only policy costs around $572 a year or $48 each month
- Highest rates are for teenage drivers at around $5,212 a year or $434 each month
- Good drivers can save as much as $588 a year by earning policy discounts
- Hyundai Sonata insurance costs around $93 less per year than the average vehicle
Hyundai Sonata insurance rates are about $93 less per year than the average vehicle with full coverage costing about $1,426 a year or $119 a month. Good drivers cost around $588 a year in policy discounts. We’re going to take a closer look at Hyundai Sonata insurance rates, crash test ratings, and more.
You can start comparing quotes for Hyundai Sonata car insurance rates from some of the best car insurance companies by using our free online tool now.
Hyundai Sonata Insurance Cost
The average Hyundai Sonata auto insurance costs are $1,426 a year or $119 a month.
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Are Hyundai Sonatas Expensive to Insure?
The chart below details how Hyundai Sonata insurance rates compare to other sedans like the Audi S4, Cadillac ATS, and Chevrolet Malibu.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| Audi S4 | $370 | $744 | $338 | $1,588 |
| Cadillac ATS | $294 | $566 | $398 | $1,416 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
| Cadillac CTS | $320 | $626 | $398 | $1,502 |
| MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| Nissan Versa | $268 | $542 | $390 | $1,358 |
However, there are a few things you can do to find the cheapest Hyundai insurance rates online.
What Impacts the Cost of Hyundai Sonata Insurance?
The Hyundai Sonata trim and model you choose can impact the total price you will pay for Hyundai Sonata auto insurance coverage.
Age of the Vehicle
Older Hyundai Sonata models generally cost less to insure. For example, car insurance rates for a 2020 Hyundai Sonata are $1,426, while 2010 Hyundai Sonata rates are $1,204, a difference of $222.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| 2019 Hyundai Sonata | $280 | $512 | $440 | $1,412 |
| 2018 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2017 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2016 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2015 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2014 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2013 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2012 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2011 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2010 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
Driver Age
Driver age can have a significant effect on the cost of Hyundai Sonata car insurance. For example, a 20-year-old driver could pay around $145 more each month for their Hyundai Sonata car insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Hyundai Sonata insurance rates. For example, drivers in Los Angeles may pay $527 a year more than drivers in Philadelphia.
Your Driving Record
Your driving record can have an impact on the cost of Hyundai Sonata auto insurance. Teens and drivers in their 20’s see the highest jump in their Hyundai Sonata car insurance with violations on their driving record.
Hyundai Sonata Safety Ratings
The Hyundai Sonata’s safety ratings will affect your Hyundai Sonata auto insurance rates. See the chart below:
| 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 |
| Source: Insurance Institute for Highway Safety | |
Hyundai Sonata Crash Test Ratings
The crash test ratings of the Hyundai Sonata can impact your Hyundai Sonata car insurance rates.
| Vehicle Tested | 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 Plug-in Hybrid 4 DR FWD | N/R | N/R | N/R | N/R |
| 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 Plug-in Hybrid 4 DR FWD | N/R | N/R | N/R | N/R |
| 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 Plug-in Hybrid 4 DR FWD | N/R | N/R | N/R | N/R |
| 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 Plug-in Hybrid 4 DR FWD | N/R | N/R | N/R | N/R |
| 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 |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Hyundai Sonata Safety Features
Having a variety of safety features on your Hyundai Sonata can help lower your Hyundai Sonata insurance costs. The Hyundai Sonata’s safety features include:
- 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 Insurance Loss Probability
Another contributing factor that affects Hyundai Sonata car insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 29% |
|---|---|
| Property Damage | -12% |
| Comprehensive | 1% |
| Personal Injury | 38% |
| Medical Payment | 49% |
| Bodily Injury | 10% |
| Source: Insurance Institute for Highway Safety | |
Hyundai Sonata Finance and Insurance Cost
If you are financing a Hyundai Sonata, you will pay more if you purchase Hyundai Sonata auto insurance at the dealership, so be sure to shop around and compare Hyundai Sonata auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Hyundai Sonata Insurance
You can save more money on your Hyundai Sonata auto insurance rates by employing any of the following five strategies.
- Pay Your Bills On Time — Especially Hyundai Sonata Payments and Insurance
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
- Ask About Mature Driver Discounts for Drivers Over 50
- Ask for a Higher Deductible for Your Hyundai Sonata Insurance Policy
- Work with a Direct Insurer Instead of an Insurance Broker for Your Hyundai Sonata
Top Hyundai Sonata Insurance Companies
Who is the top auto insurance company for Hyundai Sonata insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Hyundai Sonata auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Hyundai Sonata offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Hyundai Sonata Insurance Quotes Online
You can start comparing quotes for Hyundai Sonata car insurance rates from some of the best car insurance companies by using our free online tool now.
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