Hyundai Sonata Auto Insurance (2024)
Full coverage Hyundai Sonata auto insurance is an average of $119 per month. While a liability-only insurance policy for a Hyundai Sonata is even cheaper at an average of $48 per month, it doesn't provide much protection after an accident, making full coverage for Hyundai Sonatas the better choice.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Full coverage for a Hyundai Sonata costs an average of $119 each month
- A liability-only policy for a Hyundai Sonata costs an average of $48 each month
- The highest rates are for teenage drivers at an average of $434 each month
Hyundai Sonata auto insurance rates for full coverage are about $93 less per year than the average vehicle, but good drivers may be able to save even more with policy discounts by practicing safe driving habits. We’re going to take a closer look at Hyundai Sonata insurance rates, crash test ratings, and more, so you can find the best Hyundai auto insurance for your needs.
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 Auto Insurance Rates
The average Hyundai Sonata car 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, Hyundai Elantra, and Subaru Impreza.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Hyundai Elantra | $280 | $562 | $372 | $1,372 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
| Mazda 3 | $308 | $562 | $372 | $1,400 |
| Subaru WRX | $320 | $566 | $338 | $1,360 |
| Ford Focus | $244 | $536 | $398 | $1,336 |
However, there are a few things you can do to find the cheapest Hyundai Sonata insurance rates online, which we go over in the next few sections.
What Impacts the Cost of Hyundai Sonata Insurance?
The Hyundai Sonata trim and model you choose will affect the total price you will pay for Hyundai Sonata insurance coverage.
Age of the Vehicle
The average Hyundai Sonata car insurance rates are higher for newer models. 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 New York may pay $870 a year more than drivers in Seattle.
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 auto insurance rates with violations on their driving record.
Hyundai Sonata Safety Ratings
Your Hyundai Sonata auto insurance rates are tied to the Hyundai Sonata’s safety ratings. 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
If the Hyundai Sonata crash test ratings are good, you could have lower Hyundai Sonata car insurance rates. See Hyundai Sonata crash test results below:
| 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
Most drivers don’t realize that not only do Hyundai Sonata safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Hyundai Sonata auto insurance rates. 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 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, you will pay more if you purchase Hyundai Sonata car insurance at the dealership, so be sure to shop around and compare Hyundai Sonata car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Hyundai Sonata Insurance
There are several ways you can save even more on your Hyundai Sonata car insurance rates. Take a look at the following five tips:
- Don’t Assume your Hyundai Sonata is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
- Ask About a Student Away from Home Discount
- Take Advantage of Referral Fees
- Compare Insurance Companies After Moving
- Renew Your Hyundai Sonata Insurance Coverage to Avoid Lapses
Make sure you also check auto insurance discounts at your company to see if there are any additional ones you can qualify for.
Top Hyundai Sonata Insurance Companies
Who is the top car 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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Frequently Asked Questions
What factors can affect the insurance premium for a Hyundai Sonata?
Several factors can influence the insurance premium for a Hyundai Sonata, including the driver’s age, driving history, location, coverage options selected, the model year of the vehicle, safety features installed, and the cost of repairs and replacement parts for the Sonata.
Is car insurance mandatory for a Hyundai Sonata?
Yes, car insurance is mandatory for a Hyundai Sonata, as it is for any other vehicle on the road. In most jurisdictions, drivers are required to have at least liability insurance to cover damages or injuries caused to others in an accident. Additional coverage options, such as collision or comprehensive coverage, may also be available and can provide additional protection for your Sonata.
Can I customize my Hyundai Sonata insurance coverage?
Yes, you can customize your Hyundai Sonata insurance coverage based on your needs. Insurance providers offer various coverage options and additional endorsements that allow you to tailor your policy. You can choose the coverage limits, deductibles, and additional features that suit your requirements and budget.
Are there any specific safety features on the Hyundai Sonata that can lower insurance premiums?
Yes, certain safety features on the Hyundai Sonata can potentially lower insurance premiums. Common safety features that may lead to discounts include anti-lock brakes, airbags, electronic stability control, lane departure warning, adaptive cruise control, and automatic emergency braking. Insurance providers often consider vehicles with these features to be less risky and may offer discounts accordingly.
Will modifications or aftermarket additions to my Hyundai Sonata affect my insurance?
Yes, modifications or aftermarket additions to your Hyundai Sonata can potentially affect your insurance. Certain modifications, such as engine upgrades, suspension modifications, or changes to the vehicle’s appearance, may increase the risk associated with your car and lead to higher insurance premiums. It’s crucial to inform your insurance provider about any modifications made to your Sonata to ensure that you have adequate coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.