UPDATED: Jul 31, 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.
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 |
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 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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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.
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 | |||
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.