Hyundai Sonata Car Insurance Cost 2025
The average cost to insure a Hyundai Sonata is $2,533 per year. However, this cost can vary based on factors such as your age, the model year of the car, your driving history, and the type of coverage you choose. You can use our quote tables below to estimate your specific costs and find the most accurate rates for your situation.
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Insuring a 2025 Hyundai Sonata typically costs around $2,533 per year, translating to approximately $211 per month. This rate is competitive compared to other midsize sedans, influenced by factors such as the vehicle’s strong safety ratings and moderate repair costs.
However, premiums can vary based on individual circumstances, including the driver’s age, location, driving history, and chosen coverage levels. For instance, a 40-year-old driver with a clean record might pay less than a younger driver with prior incidents.
Overall, the Hyundai Sonata offers a balance of safety and affordability, making it a cost-effective choice for many drivers.
How Much Does A Hyundai Sonata Car Insurance Cost?
Typically, Hyundai Sonata drivers can find car insurance at an average rate of $2,533 per year. However, the actual cost can vary depending on factors like your age, driving history, location, and the coverage options you select.
It’s important to understand that car insurance costs can vary based on several key factors. These include your location, driving history, the specific model year of your car, and the coverage options you choose. For instance, maintaining a clean driving record can help lower your premiums, while a history of accidents or traffic violations may raise your costs.
Your location also plays a significant role in determining rates. Urban areas with heavy traffic tend to have higher premiums, while rural areas, which usually have less traffic, might see lower rates. The type of coverage you choose is another factor—comprehensive insurance, which covers both comprehensive and collision, generally costs more than minimum liability coverage.
When compared to the overall average for Hyundai models, the insurance cost for a Hyundai Sonata tends to be higher. However, when compared to the general cost for all cars, it is still above average. To find the most affordable rates, it’s helpful to compare quotes from different providers, and Insuranceopedia is a great resource for this.
| Vehicle | Average Monthly Premium |
| Hyundai Sonata | $180 |
| All Hyundai | $173 |
| All Cars | $175 |
Average Insurance Cost Of Hyundai Sonata By Model Year
| Model Year | Average Premium |
| 2025 Hyundai Sonata | $1,390 |
| 2024 Hyundai Sonata | $1,233 |
| 2023 Hyundai Sonata | $819 |
| 2022 Hyundai Sonata | $834 |
| 2021 Hyundai Sonata | $781 |
| 2020 Hyundai Sonata | $819 |
| 2019 Hyundai Sonata | $651 |
| 2018 Hyundai Sonata | $683 |
| 2017 Hyundai Sonata | $510 |
| 2016 Hyundai Sonata | $641 |
| 2015 Hyundai Sonata | $531 |
| 2014 Hyundai Sonata | $542 |
| 2013 Hyundai Sonata | $430 |
| 2012 Hyundai Sonata | $430 |
| 2011 Hyundai Sonata | $368 |
| 2010 Hyundai Sonata | $616 |
2025 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2025 Hyundai Sonata is $1,390. However, Mercury Insurance offers the cheapest rates, averaging $1,260 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $1,260 |
| State Farm | $1,280 |
| Travelers | $1,320 |
| USAA | $1,340 |
| GEICO | $1,360 |
| Progressive | $1,400 |
| Allstate | $1,440 |
| Farmers | $1,480 |
| Nationwide | $1,500 |
| Liberty Mutual | $1,520 |
2024 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2024 Hyundai Sonata is $1,233. However, Texas Farm Bureau Group offers the cheapest rates, averaging $671 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance Company | $777 |
| Mercury | $1,405 |
| Unitrin | $1,482 |
| Infinity Special | $971 |
| USAA | $1,608 |
| Texas Farm Bureau Group | $671 |
| New York Central Mutual Fire | $1,036 |
| Kemper Auto Premier | $1,343 |
| State Farm | $1,531 |
| Nationwide | $1,501 |
2023 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2023 Hyundai Sonata is $1,233. However, Texas Farm Bureau Group offers the cheapest rates, averaging $671 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $780 |
| New York Central Mutual Fire | $1,138 |
| Safeco | $177 |
| Victoria | $746 |
| SECURA Insurance | $1,016 |
| Kemper Auto | Infinity | $190 |
| Infinity Special | $840 |
| Mercury Insurance Company | $1,122 |
| Mercury Insurance | $1,122 |
| Kemper Auto | $1,061 |
2022 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2022 Hyundai Sonata is $834. However, Safeco offers the cheapest rates, averaging $201 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $1,252 |
| Capital Insurance Group | $1,216 |
| Titan | $1,247 |
| Safeco | $201 |
| Kemper Premium | $895 |
| Victoria | $718 |
| AssuranceAmerica Mobile Max | $579 |
| NatGen PPA | $1,014 |
| Mercury Insurance | $787 |
| Dairyland Broadform | $428 |
2021 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2021 Hyundai Sonata is $781. However, Safeco offers the cheapest rates, averaging $214 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $836 |
| West Bend Mutual | $1,192 |
| Kemper Auto Premier | $254 |
| Victoria | $1,002 |
| Dairyland FR Bond | $729 |
| Safeco | $214 |
| Kentucky Farm Bureau | $936 |
| Kemper Auto | $1,111 |
| NatGen PPA | $769 |
| Mercury Insurance | $764 |
2020 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2020 Hyundai Sonata is $781. However, Safeco offers the cheapest rates, averaging $100 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $563 |
| Mercury Insurance | $1,280 |
| Pekin Insurance | $1,122 |
| Infinity Special | $683 |
| Safeco | $100 |
| SECURA Insurance | $1,131 |
| American National P&C | $597 |
| Indiana Farmers Mutual Ins | $1,225 |
| Kemper Auto Premier | $330 |
| North Carolina Farm Bureau | $1,154 |
2019 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2019 Hyundai Sonata is $651. However, Safeco offers the cheapest rates, averaging $246 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $930 |
| AssuranceAmerica | $619 |
| Safeco | $246 |
| Kemper Personal Insurance | $317 |
| Concord Group | $910 |
| Mercury Insurance | $578 |
| American National P | $1,033 |
| American National P&C | $633 |
| Dairyland FR Bond | $352 |
| Titan | $892 |
2018 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2018 Hyundai Sonata is $683. However, Kemper Personal Insurance offers the cheapest rates, averaging $87 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $87 |
| AssuranceAmerica Economy | $966 |
| Dairyland Broadform | $690 |
| Safeco | $162 |
| Mercury Insurance | $578 |
| Kemper Auto Premier | $750 |
| Countryway Insurance | $1,098 |
| Kemper Premium | $499 |
| Concord Group | $983 |
| Titan | $1,012 |
Find Affordable Hyundai Sonata Insurance Rates
2017 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2017 Hyundai Sonata is $510. However, Safeco offers the cheapest rates, averaging $136 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $136 |
| Countryway Insurance | $886 |
| Kemper Auto Premier | $198 |
| Ameriprise Group | $946 |
| American National P&C | $575 |
| Dairyland FR Bond | $353 |
| AssuranceAmerica Mobile Max | $358 |
| Kemper Personal Insurance | $200 |
| Mercury Insurance | $616 |
| Dairyland Broadform | $833 |
2016 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2016 Hyundai Sonata is $641. However, Kemper Personal Insurance offers the cheapest rates, averaging $51 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $987 |
| NatGen PPA | $757 |
| Dairyland FR Bond | $661 |
| Mercury Insurance Company | $973 |
| AssuranceAmerica Mobile Max | $837 |
| Safeco | $57 |
| Kemper Auto Premier | $203 |
| NatGen Advantage | $923 |
| Kemper Personal Insurance | $51 |
| American National P | $957 |
2015 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2015 Hyundai Sonata is $531. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $104 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $104 |
| Kemper Personal Insurance | $546 |
| NatGen PPA | $676 |
| Dairyland FR Bond | $708 |
| Kemper Auto Premium | $132 |
| Union Mutual Fire Group | $815 |
| Ameriprise Group | $785 |
| Safeco | $223 |
| Mercury Insurance | $623 |
| Kemper Auto Premier | $693 |
2014 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2014 Hyundai Sonata is $542. However, Safeco offers the cheapest rates, averaging $130 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $353 |
| Kemper Auto Premier | $874 |
| AssuranceAmerica Mobile Max | $203 |
| American National P | $920 |
| Kemper Personal Insurance | $159 |
| Safeco | $130 |
| Dairyland Broadform | $825 |
| Buckeye Insurance Group | $893 |
| Dairyland FR Bond | $736 |
| NatGen Custom 360 | $328 |
2013 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2013 Hyundai Sonata is $430. However, Kemper Auto Premium offers the cheapest rates, averaging $62 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premium | $62 |
| Safeco | $176 |
| Mercury Insurance | $580 |
| AssuranceAmerica Mobile Max | $274 |
| NatGen Custom 360 | $251 |
| Kemper Personal Insurance | $294 |
| Kemper Auto Premier | $558 |
| Utica National Ins Group | $894 |
| Dairyland Broadform | $404 |
| NatGen PPA | $809 |
2012 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2012 Hyundai Sonata is $430. However, Kemper Auto Premium offers the cheapest rates, averaging $110 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $174 |
| Safeco | $110 |
| Dairyland Auto 1 Month | $300 |
| AssuranceAmerica Mobile Max | $438 |
| Dairyland FR Bond | $553 |
| Dairyland Broadform | $448 |
| NatGen Custom 360 | $106 |
| MMG Insurance Company | $804 |
| Mercury Insurance | $466 |
| SECURA Insurance | $900 |
2011 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2011 Hyundai Sonata is $368. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $98 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $146 |
| Utica National Ins Group | $804 |
| American National P | $736 |
| AssuranceAmerica Mobile Max | $98 |
| Dairyland Broadform | $480 |
| NatGen PPA | $646 |
| Kemper Personal Insurance | $111 |
| Mercury Insurance | $253 |
| Kemper Auto Premium | $277 |
| Safeco | $132 |
2010 Hyundai Sonata Insurance Rates
The average annual insurance cost for a 2010 Hyundai Sonata is $368. However, Safeco offers the cheapest rates, averaging $102 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $184 |
| PEMCO | $650 |
| Safety Group | $870 |
| IMT Insurance Company | $811 |
| Farmers Mutual of Nebraska | $878 |
| Hallmark Insurance Group | $673 |
| Kemper Personal Insurance | $489 |
| Kemper Auto | Infinity | $772 |
| Safeco | $102 |
| ACCC Insurance Company | $729 |
Find Affordable Hyundai Sonata Insurance Rates
Are Hyundai Sonatas Expensive To Insure?
The Hyundai Sonata is generally considered moderately priced to insure among midsize sedans. On average, annual insurance premiums for the 2025 model range from approximately $1,200 to $2,735, depending on the insurer and individual factors . This cost is influenced by various elements, including the driver’s age, location, driving history, and chosen coverage levels. The Sonata’s strong safety ratings and moderate repair costs contribute to its affordability in terms of insurance. However, premiums can vary significantly based on individual circumstances, including credit history and selected coverage options. Overall, the Sonata offers a balance of safety and affordability, making it a cost-effective choice for many drivers.
Cost of Hyundai Sonata Car Insurance By Age
Yes, age is a key factor in determining insurance rates. Teenagers and young adults often face the highest premiums due to their higher likelihood of being involved in accidents. As drivers get older and accumulate more experience on the road, their premiums generally decrease because they are considered less risky by insurance companies. Typically, insurance rates continue to decrease until the driver reaches their mid-30s or 40s. However, rates can increase again for drivers in older age groups due to factors such as declining health or slower reaction times.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,409 | $12,309 | $14,396 |
| 18 | $7,769 | $11,474 | $13,428 |
| 19 | $6,869 | $10,148 | $11,828 |
| 20 | $6,036 | $8,884 | $10,365 |
| 21 | $5,096 | $7,442 | $8,644 |
| 22 | $4,875 | $7,234 | $8,417 |
| 23 | $4,331 | $6,303 | $7,433 |
| 24 | $4,112 | $6,032 | $7,015 |
| 25 | $3,564 | $5,148 | $6,098 |
| 30 | $2,784 | $4,012 | $4,734 |
| 35 | $2,597 | $3,803 | $4,435 |
| 40 | $2,463 | $3,663 | $4,259 |
| 45 | $2,368 | $3,495 | $4,146 |
| 55 | $2,236 | $3,239 | $3,790 |
| 65 | $2,293 | $3,432 | $3,954 |
| 75 | $2,939 | $4,276 | $5,038 |
Hyundai Sonata Car Insurance Rates By State
Yes, your location significantly affects your car insurance rates. Different states have varying regulations and insurance requirements, which can impact premiums. For example, Michigan requires higher coverage levels, leading to higher premiums for drivers there. Additionally, areas with extreme weather conditions, like hurricanes or flooding, tend to have higher insurance costs because of the increased risk of damage to vehicles.
Crime rates and accident statistics also play a role in determining rates. If you live in an area with high rates of car theft, accidents, or fatalities, you might see higher premiums, as insurers consider those locations to be riskier. On the other hand, areas with lower crime and accident rates may offer more affordable rates. All of these factors contribute to how insurance companies calculate your premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,625 | $3,797 | $4,820 |
| Alaska | $2,212 | $3,018 | $2,950 |
| Arizona | $2,484 | $3,518 | $5,220 |
| Arkansas | $2,682 | $4,259 | $4,693 |
| California | $2,979 | $5,311 | $2,986 |
| Colorado | $2,780 | $3,881 | $4,940 |
| Connecticut | $3,528 | $5,548 | $7,029 |
| Delaware | $2,926 | $3,896 | $5,096 |
| Florida | $3,474 | $4,900 | $6,339 |
| Georgia | $2,878 | $4,295 | $4,290 |
| Hawaii | $1,192 | $1,606 | $1,113 |
| Idaho | $2,003 | $2,653 | $3,197 |
| Illinois | $2,115 | $3,137 | $3,642 |
| Indiana | $2,154 | $3,235 | $3,682 |
| Iowa | $1,707 | $2,326 | $2,705 |
| Kansas | $2,228 | $3,273 | $3,809 |
| Kentucky | $4,198 | $6,333 | $6,893 |
| Louisiana | $1,594 | $2,204 | $3,188 |
| Maine | $2,543 | $3,734 | $4,118 |
| Maryland | $2,024 | $3,575 | $2,064 |
| Massachusetts | $4,975 | $7,605 | $11,931 |
| Michigan | $2,004 | $2,729 | $3,788 |
| Minnesota | $2,509 | $3,553 | $3,488 |
| Mississippi | $2,315 | $3,286 | $4,385 |
| Missouri | $2,406 | $3,314 | $3,863 |
| Montana | $2,032 | $2,946 | $3,211 |
| Nebraska | $3,297 | $4,905 | $5,170 |
| Nevada | $2,309 | $3,574 | $4,594 |
| New Hampshire | $2,516 | $4,008 | $5,140 |
| New Jersey | $2,567 | $3,809 | $4,021 |
| New Mexico | $2,434 | $2,963 | $5,049 |
| New York | $1,473 | $2,563 | $1,784 |
| North Carolina | $1,976 | $3,054 | $3,632 |
| North Dakota | $1,757 | $2,788 | $2,894 |
| Ohio | $2,884 | $4,147 | $4,680 |
| Oklahoma | $2,627 | $3,498 | $4,231 |
| Oregon | $2,256 | $3,207 | $3,770 |
| Pennsylvania | $3,728 | $5,396 | $6,060 |
| Rhode Island | $2,464 | $3,491 | $4,812 |
| South Carolina | $2,228 | $3,263 | $3,739 |
| South Dakota | $2,613 | $3,915 | $5,216 |
| Tennessee | $2,709 | $3,827 | $4,747 |
| Texas | $2,281 | $3,133 | $4,375 |
| Utah | $1,778 | $2,717 | $2,882 |
| Vermont | $1,633 | $2,505 | $2,503 |
| Virginia | $2,210 | $2,936 | $3,551 |
| Washington | $2,229 | $3,168 | $3,891 |
| West Virginia | $2,171 | $3,424 | $3,914 |
| Wisconsin | $2,048 | $2,847 | $2,999 |
| Wyoming | $2,032 | $2,946 | $3,211 |
Find Affordable Hyundai Sonata Insurance Rates
Cheapest Car Insurance Companies For A Hyundai Sonata
The table above presents estimated annual and monthly insurance premiums for the 2025 Hyundai Sonata from five different insurance providers. USAA offers the most affordable annual premium at approximately $1,343, translating to about $112 per month, making it an attractive option for eligible members. Amica and Erie also provide competitive rates, with annual premiums around $1,398 and $1,425, respectively. On the higher end, State Farm and Nationwide have estimated annual premiums of $1,511 and $1,447, respectively, which may reflect broader coverage options or different underwriting criteria.
| Insurance Company | Average Monthly |
| USAA | $112 |
| Amica | $117 |
| Erie | $119 |
| State Farm | $126 |
| Nationwide | $121 |
Common Hyundai Sonata Insurance Discounts
Discounts are a great way to reduce your car insurance costs, and many providers offer several types that you can take advantage of:
- Multi-policy: By bundling your home and auto insurance policies with one provider, you can often receive a discount on both.
- Pay annually: If you’re able to pay your premium upfront for the entire year, rather than spreading out monthly payments, you may qualify for a reduced rate.
- Defensive driving: Completing a defensive driving course through a certified provider may help lower your premiums, as it demonstrates a commitment to safe driving.
Additionally, there may be other discounts available, such as for low mileage or safe vehicle features. It’s always a good idea to speak with your insurance agent to explore all potential discounts you qualify for and to ensure you’re getting the best rate possible.
Ways To Save On Hyundai Sonata Insurance Costs
Maintaining a clean driving record is one of the most effective ways to lower your Hyundai Sonata’s insurance costs. Traffic violations like speeding tickets or being involved in an accident can lead to higher premiums.
For instance, drivers with a speeding ticket on their record might pay around $105 per month, while those with multiple accidents can expect an average monthly cost of $163. Keeping a spotless driving history can help keep these costs in check.
In addition, your annual mileage plays a key role in determining your insurance premiums. If you drive fewer miles, you’re generally considered a lower risk. For example, Hyundai Sonata drivers who drive between 2,501-5,000 miles annually can expect to pay around $95 per month for insurance. On the other hand, those who drive over 10,000 miles each year may pay $91 per month.
Compare Hyundai Sonata To Other Hyundai Models
Looking for other Hyundai model insurance costs?
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Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used for these calculations was a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that your own insurance rates may differ based on your personal circumstances, including your age, driving history, location, and other factors.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Hyundai Sonata?
Yes, before you can drive your Hyundai Sonata off the dealership lot, you will need to provide proof of insurance. It’s advisable to purchase a policy beforehand and inform your insurance company that you are about to buy the car. This way, you can avoid purchasing insurance through the dealership and ensure you’re getting the best deal for your needs.
How Can You Get The Cheapest Insurance For Your Hyundai Sonata?
The best way to find the cheapest rates for your Hyundai Sonata is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, making it easy to find the best deal for your needs directly on our website.
