+120 more)
Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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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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Genesis drivers pay an average monthly rate of $191 for auto insurance, according to Compare.com data. That’s quite a bit higher than the national average of $150 per month.
Genesis is Hyundai’s luxury line of vehicles, offering higher-end models than its non-luxury sedans and SUVs. That may contribute to the brand’s higher insurance costs.
Genesis is middle of the road when it comes to reliability,[1] but its vehicles tend to have lower maintenance and repair costs than other luxury brands.[2] These (and other) factors, including your insurer, vehicle model, and location, can affect the price of auto insurance.
Understanding these factors can help you find the best car insurance rates. We’ll show you how.
Genesis drivers pay an average monthly premium of $135 for liability coverage and $246 for full-coverage car insurance.
The GV70 is the cheapest Genesis model to insure.
Direct Auto tends to have the cheapest insurance policies for Genesis vehicles.
The following table shows the average rates for different types of car insurance coverage, including liability only and full coverage. It also compares each rate to the national average, according to the most recent data from Compare.com.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Genesis | $135 | $246 | $191 |
| All makes | $108 | $193 | $150 |
Genesis vehicles tend to cost more than the national average, with an average monthly rate of $135 for liability insurance and $246 for full coverage. In comparison, the national average for all makes is $108 and $193 per month, respectively.
The specific Genesis model you drive can affect your car insurance costs. If your vehicle is more expensive, has high repair costs, or has a higher likelihood of causing damage in an accident, you’ll pay more for auto insurance. On the other hand, if your car has robust safety features, you may qualify for a discount.
Your coverage also plays a role in determining your car insurance costs. Liability coverage only covers injuries and damages you cause to the other driver, so the monthly cost is lower. Full coverage also protects your vehicle, which is why it costs more.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| G70 | $145 | $265 |
| G80 | $130 | $237 |
| G90 | N/A | N/A |
| GV60 | N/A | N/A |
| GV70 | $130 | $236 |
| GV80 | N/A | N/A |
| All Genesis models | $135 | $246 |
On average, the G70 is the more expensive option, with an average monthly rate of $145 for liability insurance and $265 for full coverage. The GV70 is the cheapest option, with an average monthly rate of $130 for liability coverage and $236 for full coverage. But the exact cost of car insurance can vary depending on your insurance company.
Genesis cars cost more to insure, but owners still have several ways to find affordable car insurance. The following table outlines the cheapest average car insurance companies for Genesis drivers, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Direct Auto | $166 |
| Elephant | $168 |
| National General | $171 |
| Bristol West | $244 |
| The General | $248 |
Direct Auto offers the cheapest average rates for Genesis drivers, at $166 per month.
But just because Direct Auto is the cheapest, on average, doesn’t mean it’ll be the most affordable choice for you. It’s always a good idea to receive and compare quotes from multiple insurers, as different companies cater to drivers with varying budget needs and backgrounds.
Compare personalized quotes and unlock savings in minutes.
Choosing the right insurance company for your Genesis can have a huge effect on your car insurance costs and coverage. No single company is the best insurer for every driver, so it’s important to shop around and compare your insurance options.
We chose the following three companies based on their average rates, discounts, customer support, and coverage options.
| User Reviews | 4.3 |
|---|---|
| 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. | 4.2 /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. | $99/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. | $167/mo |
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Direct Auto is the best option for high-risk Genesis drivers who struggle to qualify for car insurance with traditional insurance companies. The company offers various discounts for safe driving, bundling your insurance policies, and insuring multiple vehicles.
Direct Auto offers flexible payment options, too. For example, you can select which day of the month your payments are due. The company also offers many different ways to pay, like credit cards, debit cards, cash, or checks.
Can file SR-22 certificates
Many coverage options and discounts
Gap insurance not available
Not available nationwide
| User Reviews | 3.2 |
|---|---|
| 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. | 4.3 /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. | $102/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. | $176/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive is a good choice for drivers looking for robust coverage options. In addition to standard coverage, Progressive offers roadside assistance, which pays for towing services or a flat-tire change. You can also choose from rental car reimbursement, rideshare coverage, and pet injury protection.
Rideshare coverage available
Superior AM Best financial strength rating
Below-average J.D. Power score
Snapshot not available nationwide
| 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. | $57/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. | $109/mo |
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.
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.
Teen drivers pay some of the highest rates for car insurance due to their lack of experience behind the wheel. Fortunately, State Farm offers many discounts to help teen drivers save money on car insurance.
Teens can save up to 25% by maintaining good grades and qualify for an additional discount by taking an approved driving course. And once your teen leaves for college, they may qualify for a student away at school discount if they keep their car at home during the school year.
Above-average J.D. Power scores
Many local agents
Accident forgiveness not available
Gap insurance not available
Where you live has a big effect on how much you pay for Genesis auto insurance. Car insurance rates vary by state due to factors like accident frequency and theft rates in your area.
The map below shows the average monthly premiums for Genesis drivers in different states, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $125 |
| Arizona | $168 |
| Arkansas | $241 |
| California | $242 |
| Colorado | $197 |
| Connecticut | $382 |
| Delaware | $233 |
| Florida | $246 |
| Georgia | $249 |
| Idaho | $127 |
| Illinois | $157 |
| Indiana | $135 |
| Iowa | $114 |
| Kansas | $154 |
| Kentucky | $246 |
| Louisiana | $227 |
| Maine | $149 |
| Maryland | $346 |
| Massachusetts | $189 |
| Michigan | $294 |
| Minnesota | $189 |
| Mississippi | $189 |
| Missouri | $184 |
| Montana | $153 |
| Nebraska | $177 |
| Nevada | $299 |
| New Hampshire | $115 |
| New Jersey | $199 |
| New Mexico | $145 |
| New York | $484 |
| North Carolina | $94 |
| North Dakota | $145 |
| Ohio | $128 |
| Oklahoma | $163 |
| Oregon | $162 |
| Pennsylvania | $164 |
| Rhode Island | $144 |
| South Carolina | $276 |
| South Dakota | $122 |
| Tennessee | $142 |
| Texas | $223 |
| Utah | $183 |
| Vermont | $137 |
| Virginia | $182 |
| Washington | $140 |
| District of Columbia | $286 |
| West Virginia | $145 |
| Wisconsin | $128 |
| Wyoming | $122 |
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Your auto insurance rates matter, but only if you find the coverage that best fits your insurance needs. Genesis is a luxury brand, so gaps in auto insurance coverage could leave you with big out-of-pocket expenses.
Here are some tips on choosing the right policy:
Check your vehicle’s value. Start by assessing your vehicle’s value using tools from Kelley Blue Book or Edmunds. Knowing what your car is worth helps you determine your premiums and potential payout if you get in an accident.
Consider your driving habits. It’s also important to understand your driving habits. For example, high-mileage drivers may want to invest in roadside assistance or rental car reimbursement coverage.
Explore different coverage types. Basic liability covers only damages and injuries you cause to the other driver and their passengers. Full coverage includes collision and comprehensive, which pays for damages to your vehicle as well. You’ll need to at least meet your state’s minimum liability limits, but most drivers will need more coverage than that.[3]
Review your policy regularly. Once you’ve found the right coverage, review your policy annually so you can make updates as your circumstances change. It’s also important to avoid any lapses in coverage when it comes time to renew, since this can lead to rate hikes. Once you know what kind of coverage you need, you can begin shopping around for cheap car insurance.
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Here are five ways to find cheaper car insurance for your Genesis:
Bundle policies. Insuring multiple vehicles or purchasing more than one policy with the same insurer can help you qualify for a discount. Not only will this help you save, but it also offers the convenience of managing multiple policies in one place.
Increase your deductible. Your deductible is how you share risk with the insurance company, so raising your deductible lowers your monthly insurance premium. Just make sure you can afford the additional out-of-pocket cost if you have to file a claim.
Take advantage of safety features. Genesis vehicles often come equipped with advanced safety features. For instance, the 2025 GV60 is an Insurance Institute for Highway Safety (IIHS) Top Safety Pick+.[4] Let your insurer know, since certain safety features could help you earn a discount.
Improve your credit. Studies show that drivers with poor credit are more likely to file an insurance claim, so working on your credit can lower your insurance rates over time.
Compare quotes. Car insurance rates can vary widely between insurers, so shopping around for car insurance at least once a year ensures you’re getting the best deal. An insurance comparison site can help Genesis drivers quickly compare offers from multiple insurers.
Compare rates and find the best policy for your Genesis.
If you’re wondering how much it costs to insure a Genesis or how the car compares to other luxury brands, the following commonly asked questions may answer any lingering questions you have.
On average, it costs $191 per month to insure a Genesis, according to Compare.com data. But your exact rate depends on your model type, trim level, location, and coverage level.
Yes. Genesis cars are more expensive to insure than other vehicle types. Since Genesis is considered a luxury brand, this can drive up premiums.
According to Compare.com data, the GV70 is the cheapest Genesis model to insure. Its average monthly premium is $130 for liability insurance and $236 for full coverage.
Volvos are the cheapest luxury brand to insure, with an average monthly premium of $125, according to Compare.com data. This is likely due to the car’s reputation as a safe vehicle.
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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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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