Are Hyundai Sonatas Expensive to Insure?

Auto insurance rates for a Hyundai Sonata average $1,426 a year, or around $119 a month. On average, comprehensive coverage costs $347, collision coverage costs $507, and liability coverage costs $402 for Hyundai Sonata insurance.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 16, 2021

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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. Good drivers cost around $588 a year in 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.

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 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
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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 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
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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
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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
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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
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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

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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