Genesis G90 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Genesis G90 than the average car.
• Full coverage for a G90 generally comes in at around $335 monthly, while liability only auto insurance rates tend to be about $98.
• Workmens is the lowest insurance carrier for a G90.

G90 Overview

The Genesis G90 is a high-end vehicle that is more expensive than your average car, with a base price of $72,950 for 2021 models. Drive off the dealership lot in style, with your choice of two different trim options.

We analyzed thousands of car insurance quotes on Compare.com, and we've found that average Genesis G90 insurance premiums run around $312 per month. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Genesis G90?

Based on the table above, compared to other vehicles, Genesis G90 insurance prices are above average. G90 drivers can expect to pay about $335 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $98 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Compared to other models, the G90 is more expensive, with rates more than 10% higher than Genesis's other vehicle offerings. Compared to offerings from other brands, car insurance for a G90 is similarly on the expensive side, with liability only insurance prices coming in around $15 more and $158 more for full coverage.

When compared to all vehicles, regardless of body style, make, or model, the G90 follows a similar pattern of having above average auto insurance premiums.

Who has the Cheapest Car Insurance for a Genesis G90?

In the market for a car insurance policy for your Genesis G90? 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 $48 per month from Liberty Mutual. The runner up for most affordable rates is Clearcover, with insurance policies starting sometimes as low as $53 monthly.

That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Genesis G90.

Auto insurance carriers use a variety of variables and complex formulas to calculate premiums. The only way to guarantee you'll find the cheapest rates is to compare quotes from a bunch of car insurance companies.

What Factors Affect Car Insurance Rates for a Genesis G90?

There are a variety of factors that auto insurance carriers take into account to calculate how much to charge you for car insurance -- and every carrier weighs certain variables more than others, so there's not a singular company that's the most affordable for everyone.

Keep reading to learn which things insurance companies look at and how they affect your final rate:

Vehicle Age

The Genesis G90 has been around for a few years -- that means vehicle age will likely make a difference in your auto insurance premium. Normally, it costs more to insure newer cars because they're worth more, however, as time goes on and G90s begin to depreciate, insurance costs will gradually go lower.

Based on the information in the table above, the Genesis G90 bucks the trend, as the most expensive models to insure are those that are 4 to 5 years old, while the cheapest G90s are 2 to 3 years old, on average.

Your Age

Age is another variable that plays a role in how much car insurance carriers will charge. In the table above, you'll see that drivers with more experience on the road pay less for auto insurance than young G90 drivers.

Car insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the G90.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to offer women more affordable prices.

Where You Live

You might already know that variables like what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live can be just as important? Since auto insurance is regulated on the state level rather than nationally, rates can change quite a bit from state to state.

For example, California has rates for G90 owners that are more affordable than other locations.

Genesis G90 Car Insurance Discounts

No matter your home state, your age, or your car, using as many discounts as possible when it comes to your insurance is always a good idea when shopping around for a policy.

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

• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than in monthly installments
• Multi-car discounts for adding more than one vehicle to your auto policy

While discounts are always a good way to save money on your auto insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

Although you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), there is quite a bit that you do have control over. Below are just a few of the ones you can use in your favor in order to save on insurance:

Your Driving Record

You've almost certainly observed ads from auto insurance carriers offering large savings for responsible drivers. It checks out that your insurance prices will go higher if you get into a collision or get a ticket for speeding. But exactly how much can it cost you for these infractions?

As you can see, accidents will usually cost G90 drivers more than tickets, but both will result in a raise in rates. The rates only go up the more tickets you get or accidents you have.

How Much You Drive

The amount of miles you drive each year affects your car insurance premiums. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll usually get lower rates.

But if you work from home or drive less often than the average driver, you might consider getting a usage-based or pay-per-mile insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Genesis G90s Compare to Other Vehicles?

If you're considering making a Genesis G90 your next vehicle, it can pay off to do your due diligence. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Check out the table below to see how the Genesis G90 stacks up:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Genesis G90 is on the more expensive side when it comes to price. The G90 goes for $72,950, a bit more expensive than the national average vehicle price of $46,296.

Full coverage insurance for a Genesis G90 is about $33 a month cheaper than average, while liability only coverage is a month.

When it comes to usage, Genesis G90 drivers are much lower than the national average in annual miles driven, with 11,617 miles for all vehicles every year compared to the G90's 6,571 per year.

Genesis G90 Car Insurance Costs by Model Year

Thus far, you've seen how different things affect how much you might pay for car insurance. But if you're considering purchasing a new G90, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2017 Genesis G90 Car Insurance

You can expect full coverage for a 2017 G90 to run around $367 monthly, while liability only coverage will average about $98 per month.

With prices as low as just $48 monthly, Liberty Mutual offered the lowest policy we found.

Want to find the best rates? Just enter your ZIP code below to get a variety of personalized quotes for free.

Genesis G90 Insurance FAQs

Is a Genesis G90 expensive to insure?

Liability insurance runs an average of $98 per month, while full coverage will cost you around $335. It costs more to insure a Genesis G90 when compared to the average vehicle.

How can I get the best price on car insurance for my Genesis G90?

There's only one way to be confident you're getting the most affordable rates -- regularly shopping around and comparing quotes from numerous companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a range of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Genesis G90 affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually a myth. There are quite a few factors insurance companies examine when they calculate how much your policy will be, but the color of your G90 is not factored into that decision.

Do I need to have insurance before I buy a Genesis G90?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your auto insurance carrier know ahead of time.

What car insurance discounts can I get for my Genesis G90?

There are several different discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your G90 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out is to contact your insurance company and ask about which discounts they offer.