Compare Hyundai Sonata Insurance Rates [List of Money Saving Tips]
Hyundai Sonata insurance rates cost $1,426 a year, or around $119 a month on average. A liability-only policy costs around $572 a year or $48 each month. Good drivers can save up to $588 on these costs by earning policy discounts.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jul 28, 2020
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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 around $1,426 a year or $119 a month. Drivers of an older Hyundai Sonata may choose to get liability coverage only which costs around $572 a year or $48 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.
Table of Contents
Hyundai Sonata Insurance Cost
The average Hyundai Sonata auto insurance rates 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 Ford Fusion, Nissan Versa, and MINI Hardtop 4 Door.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Nissan Versa | $268 | $542 | $390 | $1,358 |
| MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
| Chrysler 300 | $332 | $626 | $398 | $1,514 |
| Buick Regal | $306 | $536 | $398 | $1,398 |
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 insurance coverage.
Age of the Vehicle
The average Hyundai Sonata auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Hyundai Sonata cost $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 30-year-old driver.
Driver Location
Where you live can have a large impact on Hyundai Sonata insurance rates. For example, drivers in New York may pay $870 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on your Hyundai Sonata car insurance rates. 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
Your Hyundai Sonata car insurance rates are influenced by the safety ratings of the Hyundai Sonata. See the breakdown 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
Not only do good Hyundai Sonata crash test ratings mean you are better protected in a crash, but good Hyundai Sonata crash ratings also mean cheaper 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
The numerous safety features of the Hyundai Sonata help contribute to lower insurance rates. The 2020 Hyundai Sonata has the following safety features:
- 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 plays a direct role in Hyundai Sonata 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, most lenders will require your carry higher Hyundai Sonata coverage options including comprehensive coverage, so be sure to shop around and compare Hyundai Sonata auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on Hyundai Sonata Insurance
There are many ways that you can save on Hyundai Sonata car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Hyundai Sonata car insurance rates low.
- Compare Hyundai Sonata Quotes for Free Online
- Purchase a Roadside Assistance Program for Your Hyundai Sonata
- Move to the Countryside
- Pay Your Bills On Time — Especially Hyundai Sonata Payments and Insurance
- Choose Automatic Payments or EFT for Your Hyundai Sonata Insurance Policy
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 | |||
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