Online Hyundai Sonata Insurance Rates [Everything You Need to Know]

The cost of Hyundai Sonata car insurance rates are $1,426 a year, or around $119 a month on average. Shop around to find cheap Hyundai Sonata insurance rates. On average, Hyundai Sonata comprehensive insurance coverage costs $347, collision coverage costs $507, and liability coverage costs $402.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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 don’t need to stress drivers out. Good drivers can save as much as $588 a year by earning policy discounts. Our guide goes over insurance rates for a Hyundai Sonata, so read on to learn about the best ways to save.

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 Chevrolet Sonic, MINI Hardtop 4 Door, and Toyota Camry.

Vehicle Comprehensive Collision Liability Total
Hyundai Sonata $294 $532 $420 $1,426
Chevrolet Sonic $270 $536 $398 $1,362
MINI Hardtop 4 Door $294 $566 $398 $1,416
Toyota Camry $294 $570 $390 $1,412
Audi S3 $356 $744 $264 $1,474
Mazda 3 $308 $562 $372 $1,400
Hyundai Elantra $280 $562 $372 $1,372
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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
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Driver Age

Driver age can have a significant impact on the cost of Hyundai Sonata auto insurance. For example, 20-year-old drivers pay as much as $1,807 more each year for their Hyundai Sonata auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Hyundai Sonata insurance rates. For example, drivers in Los Angeles may pay $784 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on your Hyundai Sonata auto 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 auto insurance rates are influenced by 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
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Hyundai Sonata Crash Test Ratings

Good Hyundai Sonata crash test ratings can lower your Hyundai Sonata auto 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
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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 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
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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

Save more on your Hyundai Sonata car insurance rates. Take a look at the following five strategies that will get you the best Hyundai Sonata auto insurance rates possible.

  • Ask About Hyundai Sonata Low Mileage Discounts
  • Use Paperless Billing for Your Hyundai Sonata Insurance Policy
  • Buy Winter Tires for Your Hyundai Sonata
  • Never Drink and Drive Your Hyundai Sonata
  • Buy a Dashcam 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
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Compare Free Hyundai Sonata Insurance Quotes Online

You can start comparing quotes for Hyundai Sonata auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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