+120 more*These quotes are from Compare.com users within the last 10 days. Updated on August 20, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on August 20, 2026
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Licensed property and casualty insurance agent
NPN: 21630969
Updated
The average Genesis owner pays $181 per month for car insurance, which is higher than the U.S. national average of $146.
USAA, GEICO, and State Farm are among the cheapest insurers for Genesis auto insurance.
The Genesis G90 is the cheapest model to insure, while the G70 has the highest average premiums.
Car insurance quotes can vary significantly by insurer. Auto insurance companies charge different rates for the same types of coverage, and they weigh rating factors differently. To find the most affordable Genesis car insurance for your situation, it’s important to compare free quotes from multiple insurers.
The table below shows the average car insurance premiums for a Genesis.
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| GEICO | $105 |
| State Farm | $106 |
| Allstate | $118 |
| American Family | $137 |
| Progressive | $153 |
| Nationwide | $164 |
| Travelers | $173 |
| Farmers | $209 |
| Liberty Mutual | $258 |
Among Genesis car insurance companies, some of the cheapest are USAA, GEICO, and Allstate. These companies have average rates well below the brand’s average. But the cost of Genesis car insurance varies widely based on the model you own.
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Some Genesis models are more expensive to insure than others. The following table shows the average car insurance rates for Genesis’ bestselling cars in 2025.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| G70 | $141 | $265 |
| G80 | $126 | $237 |
| G90 | $116 | $219 |
| GV70 | $124 | $234 |
| GV80 | $121 | $228 |
| All Genesis models | $126 | $237 |
Average Genesis G70 liability premium: $141 per month
Average Genesis G70 full-coverage premium: $265 per month
2026 Genesis G70 MSRP: Starting at $43,450
The 2026 Genesis G70 is a luxury compact sedan with features like highway driving assist, forward-collision avoidance, leatherette seats, and a 10.25-inch navigation system. It’s the most expensive model to insure in the brand’s lineup, with average monthly rates of $141 for liability-only coverage and $265 for full coverage.
The table below shows the cheapest car insurance companies and average premiums for the 2026 Genesis G70.
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| GEICO | $117 |
| State Farm | $119 |
| Allstate | $132 |
| American Family | $153 |
Average Genesis G80 liability premium: $126 per month
Average Genesis G80 full-coverage premium: $237 per month
2026 Genesis G80 MSRP: Starting at $59,450
The 2026 Genesis G80 is the brand’s luxury midsize sedan. It’s equipped with an eight-speed automatic transmission, 300 horsepower, all-wheel drive (AWD), heated front and rear seats, a 27-inch OLED navigation system, and other high-end fixtures. The average monthly car insurance rate for the 2026 Genesis G80 is $126 for minimum coverage and $237 for full coverage.
In the table below, you can see the cheapest average car insurance premiums for the 2026 Genesis G80 from some of the top insurers.
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| GEICO | $105 |
| State Farm | $106 |
| Allstate | $118 |
| American Family | $137 |
Average Genesis G90 liability premium: $116 per month
Average Genesis G90 full-coverage premium: $219 per month
2026 Genesis G90 MSRP: Starting at $92,700
The 2026 Genesis G90 is a full-size luxury sedan. The base 3.5T AWD model has power front seats with massage, a Bang & Olufsen sound system, adjustable interior ambient lighting, and other unique features.
But despite its manufacturer’s suggested retail price (MSRP) of nearly $93,000, it’s the cheapest Genesis model to insure. Average premiums for the 2026 Genesis G90 are $116 per month for liability-only coverage and $219 for full coverage.
Below, you can see the cheapest car insurance premiums for this model.
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| GEICO | $97 |
| State Farm | $98 |
| Allstate | $109 |
| American Family | $126 |
Average Genesis GV70 liability premium: $124 per month
Average Genesis GV70 full-coverage premium: $234 per month
2026 Genesis GV70 MSRP: Starting at $48,985
The 2026 Genesis GV70 is a compact luxury SUV with six available trim levels. The 2.5T AWD base model has an MSRP of just less than $49,000.
The 2025 Genesis GV70 was an Insurance Institute for Highway Safety (IIHS) Top Safety Pick+, earning the highest safety scores in most crash-test categories.[1] Its average car insurance rates are $124 per month for minimum coverage and $234 for full coverage, which are slightly below the average for all Genesis models.
In the following table, you can see the cheapest auto insurance companies for 2026 Genesis GV70 insurance and the average rates for each.
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| GEICO | $104 |
| State Farm | $105 |
| Allstate | $116 |
| American Family | $135 |
Average Genesis GV80 liability premium: $121 per month
Average Genesis GV80 full-coverage premium: $228 per month
2026 Genesis GV80 MSRP: Starting at $57,700
The 2026 Genesis GV80 is the company’s midsize luxury SUV, with a starting price of $57,700. The 2.5T rear-wheel-drive (RWD) base model includes features like a fingerprint authentication system, Piano Black gloss trim, a suite of advanced safety controls, and Monobloc four-piston front brakes.
The average cost of car insurance for a 2026 Genesis GV80 is $121 per month for liability coverage and $228 for full coverage, though some insurers offer lower rates.
Below, you can see the cheapest car insurance rates for this model.
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| GEICO | $101 |
| State Farm | $102 |
| Allstate | $113 |
| American Family | $132 |
If you’re shopping for auto insurance for your Genesis, you might be wondering which car insurance company is the best. But ultimately, no single insurer is the best for every Genesis owner. It depends on your insurance needs, preferences, and budget.
To help you find the best car insurance companies for Genesis drivers, we compared some of the top insurers based on a combination of average rates, discounts, customer ratings and reviews, and coverage offered. Below are three of the best insurers for different drivers and demographics.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers several discounts for teens and young drivers, who typically pay the highest auto insurance rates. The company provides savings for good students, completing a driver training course, and for students who attend school away from home and don’t have access to their vehicle.
Drivers younger than 25 can also enroll in State Farm’s Steer Clear telematics program to earn a discount for driving safely.
Multiple discounts for teens
Low rates for most Genesis models
Only a few available add-ons
Discounts vary by state
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers car insurance to eligible military service members, veterans, and their immediate family members. The company stands out for its impressive customer service, earning top ratings from J.D. Power for overall customer satisfaction and claims satisfaction.
USAA offers some of the lowest car insurance premiums for all Genesis models and offers a great selection of discounts.
Very cheap rates
Excellent customer satisfaction
Must be eligible for USAA
Few options for policy customization
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $146/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
In addition to GEICO’s affordable premiums for Genesis models, it also has a wide selection of discounts. The company offers discounts to homeowners, military personnel, federal employees, good students, affinity group members, safe drivers, and more.
Plus, GEICO may lower your rate if your car has certain safety features, like anti-lock brakes, an anti-theft device, or daytime running lights.
More than 20 available discounts
Highest AM Best financial strength rating
Gap insurance not available
Low rating for claims satisfaction
Where you live can have a big effect on the cost of your auto insurance policy. Factors such as the number of uninsured drivers, the frequency of insurance claims, historical accident data, and severe weather risks can all contribute to auto insurance premiums across various states and cities.[2]
In the table below, you can see the average monthly Genesis car insurance premium by state.
State | Average Monthly Premium |
|---|---|
| Alabama | $179 |
| Arizona | $218 |
| Arkansas | $322 |
| California | $303 |
| Colorado | $276 |
| Connecticut | $420 |
| Delaware | $309 |
| Florida | $289 |
| Georgia | $313 |
| Idaho | $157 |
| Illinois | $213 |
| Indiana | $181 |
| Iowa | $152 |
| Kansas | $207 |
| Kentucky | $272 |
| Louisiana | $279 |
| Maine | $189 |
| Maryland | $425 |
| Massachusetts | $224 |
| Michigan | $348 |
| Minnesota | $245 |
| Mississippi | $261 |
| Missouri | $243 |
| Montana | $208 |
| Nebraska | $220 |
| Nevada | $353 |
| New Hampshire | $142 |
| New Jersey | $224 |
| New Mexico | $199 |
| New York | $592 |
| North Carolina | $118 |
| North Dakota | $172 |
| Ohio | $162 |
| Oklahoma | $224 |
| Oregon | $202 |
| Pennsylvania | $217 |
| Rhode Island | $185 |
| South Carolina | $339 |
| South Dakota | $162 |
| Tennessee | $188 |
| Texas | $296 |
| Utah | $230 |
| Vermont | $190 |
| Virginia | $241 |
| Washington | $201 |
| District of Columbia | $432 |
| West Virginia | $197 |
| Wisconsin | $166 |
| Wyoming | $149 |
Driver age is one of the biggest factors that car insurance companies consider during the underwriting process. In general, teen drivers pay the highest car insurance premiums because they lack experience and are more likely to get into accidents than older drivers.[3]
The following table shows the average Genesis car insurance premium for several age groups.
Age Group | Average Monthly Premium |
|---|---|
| Drivers younger than 25 | $353 |
| Adult drivers | $184 |
| Senior drivers | $158 |
Compare rates and find the best policy for your Genesis.
Your driving record will probably affect the cost of your Genesis auto insurance. People with clean driving records usually pay lower rates than drivers with a history of accidents or speeding tickets. Having violations on your record can make you riskier to insure, which is why insurance companies often charge higher premiums.
Below, you can see the average Genesis car insurance premium for drivers with a clean record and average rates for people with various driving infractions.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $184 |
| Speeding ticket | $247 |
| At-fault accident | $263 |
| DUI | $309 |
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Besides personal rating factors, like your age and driving record, insurance companies may also consider other criteria when calculating Genesis car insurance rates. Below are some factors that can affect how much you pay for car insurance for your Genesis.
In 2025, the Insurance Institute for Highway Safety (IIHS) named the GV70, GV80, and G80 as Top Safety Pick+ recipients, receiving the highest crash-test results. This rating also applies to the 2026 models of these vehicles.
One of the only Genesis models the IIHS didn’t recognize as a Top Safety Pick+ is the G70, which happens to have the highest average Genesis insurance premiums.
The Genesis brand doesn’t have the best reputation for reliability. In the J.D. Power U.S. Vehicle Dependability Study, Genesis had a rating of 213, which lagged behind the study average of 202.[4]
And because Genesis is a luxury brand, it’s possible that the cost of repairs and maintenance will be more expensive than for other vehicles. This might contribute to higher insurance rates.
Most Genesis models are available in different trim levels. Because higher trim levels often come with more advanced features, technology, and interior/exterior finishes, they can be more expensive to insure. The cost of car insurance on the base model will probably be the cheapest because it won’t cost as much to fix if you get into an accident.
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Genesis owners must carry a minimum amount of auto insurance in nearly every state. But in addition to the state-minimum coverage, many drivers can also benefit from optional coverages.
Below are the types of car insurance that Genesis owners should consider:
Collision insurance: Collision insurance pays to repair your Genesis after an accident you cause. It also covers rollovers and single-vehicle crashes.[5]
Comprehensive insurance: Comprehensive insurance covers vehicle repairs for non-collision incidents, such as theft, vandalism, falling objects, floods, and hail.
New car replacement coverage: If your Genesis is a total loss, new car replacement coverage will pay more, so you can replace it with a new one of the same make and model. Experts often recommend it for new vehicles.
OEM coverage: If your car needs repair after an accident, original equipment manufacturer (OEM) coverage will pay a higher amount to use genuine Genesis parts, rather than cheaper, aftermarket parts.
Genesis owners typically pay higher car insurance premiums than the average U.S. driver, but you still have ways to get more affordable coverage. Here’s additional information that can help you get the best coverage at the best price.
USAA is the cheapest car insurance company for the Genesis brand, based on Compare.com data. Other cheap insurers for Genesis car insurance are GEICO, State Farm, and Allstate.
The average car insurance premium for a Genesis G70 is $141 per month for liability insurance and $265 for full coverage. It’s the most expensive model to insure among the bestselling Genesis models for 2025.
The cheapest Genesis to insure is the G90, which is the brand’s full-size luxury sedan. The average cost of insuring a Genesis G90 is $116 per month for minimum coverage and $219 for full coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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