How Much are Hyundai Sonata Insurance Rates?

Hyundai Sonata insurance rates cost $119 per month on average ($1,426 per year). Hyundai Sonata comprehensive insurance coverage costs about $347, collision coverage costs $507, and liability coverage costs $402. If you are ready to buy Hyundai Sonata car insurance, read on to learn more about affordable Hyundai Sonata auto insurance rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 23, 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 amount to $1,426 a year, or around $119 a month on average. Good drivers can save up to $588 on Hyundai Sonata rates by qualifying for certain policy discounts. Understanding your car insurance policy is paramount to getting the best deal.

To learn everything you need to know about affordable Hyundai car insurance rates, read through this helpful article, and use it as a reference while comparing policies from different companies.

Affordable Hyundai Sonata car insurance doesn’t have to be hard to find. Start comparing quotes for Hyundai Sonata car insurance costs from some of the best car insurance companies by using our free online tool now.

Hyundai Sonata Car Insurance Cost

What is the average cost of monthly car insurance price for a Hyundai Sonata? 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 Lincoln MKZ, Infiniti Q50, and Nissan Altima.

Vehicle Comprehensive Collision Liability Total
Hyundai Sonata $294 $532 $420 $1,426
Lincoln MKZ $320 $686 $450 $1,636
Infiniti Q50 $344 $686 $398 $1,586
Nissan Altima $306 $570 $390 $1,424
Nissan Versa $268 $542 $390 $1,358
Honda Accord $280 $500 $372 $1,310
Nissan Maxima $372 $630 $390 $1,550
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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 Car 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

The average Hyundai Sonata auto insurance rates are higher for newer models. For example, car 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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How much is insurance on a 2020 vehicle versus a 2013 car?

The age of a vehicle certainly influences how much insurance rates will be. 2020, 2019, and 2017 Hyundai Sonata insurance rates will all be higher than 2016, 2015, and 2013 insurance rates.

As a vehicle depreciates, it costs less to repair or replace if needed. Insurance companies look at that.

Driver Age

Driver age can have a significant effect on Hyundai Sonata car insurance rates. For example, 20-year-old drivers pay $1,744 more for their Hyundai Sonata car insurance each year than 30-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 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 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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This video from the IIHS shows a passenger-side small overlap crash test of the 2017 Hyundai Sonata.

This test received a Good rating, which is the highest it can receive. This helps to make the Hyundai Sonata one of the top safest cars in America.

Hyundai Sonata Crash Test Ratings

Poor Hyundai Sonata crash test ratings could mean higher 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
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Hyundai Sonata Safety Features

The safety features of the Hyundai Sonata can impact your Hyundai Sonata car insurance rates. The 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

A vehicle’s safety features qualify you for car insurance discounts, though there are a host of other discounts available as well.

Hyundai Sonata Car Insurance Loss Probability

The lower percentage means lower Hyundai Sonata car insurance rates; higher percentages mean higher Hyundai Sonata car insurance rates. Insurance loss probability on the Hyundai Sonata fluctuates between 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 Car Insurance Cost

How much will the 2020 Hyundai Sonata cost? The vehicle is estimated to be between $24,330 and $34,230, depending on trim level. 

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 Car Insurance

Drivers can end up saving more money on their Hyundai Sonata car insurance rates by employing any one of the following strategies.

  • Move to an Area with a Lower Cost of Living
  • Buy a Hyundai Sonata with an Anti-Theft Device
  • Remove Young Drivers from Your Hyundai Sonata Insurance Plan
  • Be Picky About Who Drives Your Hyundai Sonata
  • Ask About Student Discounts

Top Hyundai Sonata Car 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 car 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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What is the cheapest car insurance company though? That really depends. As your rates are dependent upon a number of individual factors, it varies wildly across the country for different drivers. 

If you have a Hyundai Sonata, insurance groups all this information together and comes up with your specific rates.

Compare Free Hyundai Sonata Car 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.
Are you looking for car insurance for the Hyundai Sonata?

The Hyundai Sonata is a four-door sedan that offers many features on its palette for car enthusiasts.

This car, manufactured in Korea, is produced by one of the fastest-growing automakers. The Sonata has hit the automotive scene with something to prove. It boasts many features that are important considerations that will lower the cost of car insurance.

Read on to learn all about Hyundai Sonata car insurance costs and then be sure to enter your ZIP above to start comparing free Hyundai Sonata car insurance quotes!

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Hyundai Sonata Vehicle Specifications

The Hyundai Sonata comes with many features that make it a car of choice. The list of features that make this car a must-have are many but here a few for review:

  • Four-cylinder 2.4L GDI engine
  • 198 horsepower
  • Fuel efficiency up to 35 mpg
  • Remote keyless entry with alarm
  • Airbags
  • ABS braking system

The remote keyless entry with alarm is a cost-saving feature on the Hyundai that is sure to save you money on your car insurance premium.

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Comparing the Hyundai Sonata

The Hyundai Sonata stacks up against the competition. According to Car and Driver magazine, the Sonata is a good choice compared to other cars in its class like the Toyota Camry or Honda Accord.

The Sonata features an ample amount of interior space and is listed as a large vehicle. With a 10-year/100,000 mile powertrain warranty, you are sure to have vehicle protection for years to come.

How do I find the best Hyundai Sonata car insurance rates?

Consequently, if after reviewing the data for the Hyundai Sonata you decide it’s the car for you, you will need to purchase car insurance. Although the Sonata is standard with an alarm, there are a few points to consider when shopping for car insurance.

  • Keeping a clean driving record.
  • Adding to the policy authorized to drive your car.
  • Bundling your car insurance, life and or home policy under one provider.
  • Keeping a clean payment history.

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How do I find cheap Hyundai Sonata car insurance quotes?

Above all, you must shop around for the best Hyundai Sonata car insurance quotes. Provide information on the type of car you want to insure and you will literally be in the driver’s seat.

Enter your ZIP code in the box below to get started now that you know more about the best Hyundai Sonata insurance rates. Find the best Hyundai Sonata car insurance company for you.

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