Genesis G80 Car Insurance: How Much Should You Expect to Pay?

The average auto insurance rate for a Genesis G80 tends to be around $197 a month. Our new guide will help you find out how much car insurance companies might charge you to insure your Genesis G80.

Quick Facts

  • A Genesis G80 is more expensive to insure than the average car.
  • Liability only auto insurance prices for a G80 tend to be about $105 monthly, while full coverage generally averages around $217 per month.
  • Commonwealth Casualty offers the most affordable average rates for a G80 with liability only coverage offered for as low as just $39 a month.

G80 Overview

With a base price of $59,100 for 2021 models, the Genesis G80 is on the more expensive end of the spectrum. There are two different trim levels currently available, so every driver can find an option to match their style.

Based on reviewing thousands of insurance quotes from Compare.com, we've found that average Genesis G80 car insurance premiums run about $197 per month. How do insurance rates for the G80 stack up against other similar cars?

Current Base Price$47,700
Body Style(s)Car
Trim LevelsBASE/PRESTIGE, BASE/ADVANCED/PRESTIGE
Average Insurance Premium$197/mo.
Cheapest Insurance CompanyCommonwealth Casualty

How Much is Car Insurance for a Genesis G80?

Vehicle Liability Only Full Coverage
Genesis G80$105$217
All Genesis Models$100$254
All Cars$83$177
Average Insurance Premium$81$169

In the table above, you'll see that compared to other vehicles, Genesis G80 insurance prices are above average. On average, G80 drivers will pay around $105 monthly for liability insurance, and about $217 a month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Comparing it to other Genesis models, the G80 is more affordable, with premiums around 15% lower than the rest of the automaker's vehicle lineup. Compared to offerings from other brands, car insurance for a G80 is similarly on the expensive side, with full coverage insurance rates coming in about 23% more and 27% more for liability only insurance.

Unsurprisingly, they're overall more expensive to insure than the average vehicle, no matter which make, model, or body style you compare it to.

See what you'll pay in just minutes

Who has the Cheapest Car Insurance for a Genesis G80?

Insurance Company Average Monthly Premium
Commonwealth Casualty$39
Hugo$42
Amica$51
Clearcover$56
Safeco$58

If you're in the market for an auto insurance policy for a Genesis G80, you might be most interested in which company offers the cheapest prices. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $39 per month from Commonwealth Casualty. With car insurance as little as $42 monthly, Hugo is the next lowest auto insurance carrier.

Finishing off the rest of the top 5 are Amica, Clearcover, and Safeco. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies take a wide array of different things into consideration when calculating monthly premiums. Because every driver is different, there's only one way to ensure you get the cheapest prices, and that's by getting personalized quotes and comparing rates from a variety of insurance carriers.

See what you'll pay in just minutes

What Factors Affect Car Insurance Rates for a Genesis G80?

As we mentioned above, there are multiple variables that car insurance companies examine to determine how much they charge you for auto insurance -- and each company weighs certain pieces more than others, so there's not one single carrier that's the lowest for everyone.

The sections below show many factors insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$110
2-3 Years$104
4-5 Years$105
6-7 YearsNot Enough Data
8-10 YearsNot Enough Data
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The Genesis G80 has been around for a few years, so vehicle age may make a difference in your auto insurance price. Usually, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually get lower.

Based on the above table, the Genesis G80 follows this trend, as the most expensive models to insure are those that are 1 year old or less, while on average, the cheapest models are G80s that are 2 to 3 years old.

Your Age

Age Average Monthly Premium

Your age is another factor that makes a big difference in how much you pay for car insurance. As you can see above, younger drivers pay more for insurance than drivers with more experience on the road. In this case, drivers aged between 18 and 24 pay $67 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group being 45-54 for G80 drivers.

Your Gender

Gender Average Monthly Premium
Male$114
Female$63

You may not know, but car insurance is normally more expensive for men than for women. This is because men are more likely to get into accidents and get tickets, which increases the chances of an insurance claim. When it comes to G80 drivers specifically, women pay around $63 per month for auto insurance and men pay about $114. However, due to the small sample size of G80 data, this pricing may not be representative of the prices you may see.

Where You Live

State Average Monthly Premium
California$66
Florida$179
Georgia$148
Illinois$26
New York$164
Ohio$53
Pennsylvania$51
Texas$75
Virginia$139

It may be obvious that things such as what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live has just as much of an impact? Because car insurance is regulated on the state level and not nationally, premiums can differ quite a bit from state to state.

For example, the average Genesis G80 driver in New York pays around $164 monthly for liability coverage. Meanwhile, on average, the same Californian owner will pay less than half of that price.

See what you'll pay in just minutes

Genesis G80 Car Insurance Discounts

No matter how old you are, where you live, or which car you drive, using as many discounts as possible when it comes to your auto insurance is always a good idea when shopping around for a new policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively common. These include things like:

  • Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than in monthly installments
  • Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
  • Multi-car discounts for adding more than one vehicle to your auto policy
  • Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

But these aren't the only discounts auto insurance carriers offer to their customers. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Even though you may not be able to control every variable car insurance companies use to calculate prices (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the variables you can use to your advantage when it comes to saving some cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$146
Multiple Accidents$192
1 Ticket$82
Multiple Tickets$53

You've no doubt noticed ads from auto insurance carriers posting large savings for safe drivers. And you're probably not surprised to hear that your insurance premiums will increase if you get tickets or get into a collision. But you're probably wondering exactly how much these infractions can cost you.

Looking at the table above, you'll notice that accidents will usually cost G80 drivers more than tickets, but both will result in a raise in rates. Genesis G80 drivers with a single ticket will pay an average of $82 a month, while drivers with one accident on their record pay about $146 each month (up $41 from the $105/mo. overall average). Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$106
2,501-5,000 Miles$173
5,001-7,500 Miles$83
7,501-10,000 Miles$103
10,000+ Miles$88

Another factor that plays a role in your car insurance rates is how much you drive. Those who drive less are less likely to get into collisions, so they'll usually end up paying less for auto insurance. Above, you can see that Genesis G80 owners who drive between 2,500 and 5,000 miles pay $173 for insurance, while those who drive between 5,000 and 7,500 miles per year pay about $83 per month.

If you're one of those drivers who don't put very many miles on your Genesis G80 each year, it may be worth considering pay-per-mile or usage-based car insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

See what you'll pay in just minutes

How Do Genesis G80s Compare to Other Vehicles?

If you're thinking about purchasing a Genesis G80, it can pay off to do your due diligence. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering.

Visit the table below to see how the Genesis G80 stacks up:

Genesis G80 National Average
Liability Insurance$130$81
Full Coverage Insurance$245$169
Base MSRP$59,100$46,296
Average Annual Mileage9,93711,617

Overall, the Genesis G80 is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. At $59,100, the G80 price comes in above the national average MSRP of $46,296.

Likewise, auto insurance prices are higher when compared to other vehicles on the market. Liability insurance for a Genesis G80 is about $49 per month more than average, while full coverage is over $50 more a month.

When it comes to usage, Genesis G80 owners drive fewer miles annually than the national average, with 9,937 miles every year compared to 11,617 for all vehicles.

Genesis G80 Car Insurance Costs by Model Year

You've seen how different factors can affect a driver's car insurance premiums. But if you're considering buying a new G80, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your choices.

2021 Genesis G80 Car Insurance

   
Liability Only Avg. Premium$130
Full Coverage Avg. Premium$245
Base MSRP$47,700
Cheapest Insurance CompanyDirectGeneral - $67/mo.
Available TrimsBASE/ADVANCED/PRESTIGE, BASE/PRESTIGE

The average cost to insure a 2021 Genesis G80 with liability only coverage is $130 monthly, while full coverage runs around $245 per month.

Looking for the cheapest policy? DirectGeneral offered liability only coverage for sometimes as little as $67 monthly.

If you want to find the best prices for auto insurance for a 2021 Genesis G80, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

See what you'll pay in just minutes

2019 Genesis G80 Car Insurance

   
Liability Only Avg. Premium$156
Full Coverage Avg. Premium$174
Base MSRP$42,050
Cheapest Insurance CompanyLiberty Mutual - $156/mo.
Available TrimsBASE/SPORT/ULTIMATE

It costs about $156 per month for liability or $174 for a full coverage policy for the 2019 G80.

Liberty Mutual has rates as little as just $156 a month for the 2019 Genesis G80.

Interested in what your insurance rate will be? Get a variety of customized quotes for free by just entering your ZIP code below.

See what you'll pay in just minutes

2018 Genesis G80 Car Insurance

   
Liability Only Avg. Premium$103
Full Coverage Avg. Premium$211
Base MSRP$41,750
Cheapest Insurance CompanyCommonwealth Casualty - $32/mo.
Available TrimsBASE/PREMIUM/ULTIMATE, SPORT, ULTIMATE

2018 Genesis G80 drivers can expect to pay an average of $103 monthly for liability or $211 for full coverage.

Commonwealth Casualty offered the lowest policy we found, with rates sometimes as low as $32 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

See what you'll pay in just minutes

2017 Genesis G80 Car Insurance

   
Liability Only Avg. Premium$102
Full Coverage Avg. Premium$226
Base MSRP$41,400
Cheapest Insurance CompanyHugo - $26/mo.
Available TrimsBASE/PREMIUM/ULTIMATE, ULTIMATE

You can expect full coverage for a 2017 G80 to run around $226 a month, while liability only coverage will average about $102 monthly.

With premiums sometimes as cheap as $26 a month, Hugo offered the most affordable policy we found for the 2017 Genesis G80.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

See what you'll pay in just minutes

Genesis G80 Insurance FAQs

Is a Genesis G80 expensive to insure?

The Genesis G80 is more expensive to insure compared to the average car. Liability insurance runs an average of $105 per month, while full coverage will cost you around $217.

How can I get the best price on car insurance for my Genesis G80?

The only way to ensure you're getting the cheapest price on car insurance is to regularly shop around and compare quotes from a bunch of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from lots of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Genesis G80 affect my insurance prices?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's simply not true. While there are many things insurance companies examine when they calculate your premiums, the color of your Genesis G80 is not on that list.

Do I need to have insurance before I buy a Genesis G80?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) car off the dealership lot. As part of the buying process, some dealerships might offer you an insurance policy, but your best bet is letting your car insurance company know before you buy.

What car insurance discounts can I get for my Genesis G80?

You will find a ton of discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the G80 you drive, but if your G80 has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. To learn more about which discounts you may qualify for, contact your insurance carrier and ask about their discounts, since they vary quite a bit from carrier to carrier.

Find your best rate in just a few minutes