+120 more)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
)
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.
Updated
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.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average Hyundai Sonata car insurance cost is $166 per month — $14 higher than the average U.S. premium for all vehicles, according to our research. Liberty Mutual offers the cheapest car insurance, at $75 per month, on average.
But at the end of the day, your quote depends heavily on your Sonata’s model year. Sonata models from 2011 to 2013 have higher fire claim rates, according to the Insurance Institute for Highway Safety (IIHS).[1] But the IIHS has given the Sonata its Top Safety Pick honors every year from 2015 to 2025,[2] and that safety score can help you get cheaper car insurance quotes.
Your location affects your insurance costs, with New York Sonata drivers paying an average of $376 per month compared to $73 per month in North Carolina.
Liberty Mutual has the lowest average prices for Hyundai Sonata drivers, at $75 per month.
Sonata trim levels, SmartSense safety features, and whether you opt for the gas or hybrid model factor into your car insurance bill.
The car insurance policy you choose has a huge effect on the coverage and cost of your car insurance. For instance, liability-only policies cover damage you cause to others but not your own vehicle. Full coverage includes comprehensive and collision protection for your car, too.
Below, you’ll see the average monthly premiums for different policy types and how they compare to the national average for all vehicles.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Hyundai Sonata | $117 | $215 | $166 |
| All vehicles | $107 | $197 | $152 |
Hyundai Sonata liability insurance costs an average of $117 per month, but full coverage is $215 per month. How much you save on car insurance comes down to where you live, how old you are, your driving history, and the insurer you pick.
Comparing personalized quotes is the only way to find the best coverage.
Even though Hyundai Sonata insurance rates run higher than average, plenty of the best car insurance companies offer more affordable rates. Check out the table below for the five cheapest options, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Liberty Mutual | $75 |
| Novo | $85 |
| Farmers | $87 |
| Apparent | $94 |
| Travelers | $94 |
Liberty Mutual offers the cheapest average rates, at $75 per month. But at the end of the day, using a car insurance marketplace is an important step because your cheapest option could be another company entirely. The company offering your neighbor the best deal might not be the cheapest option for you, so let’s see how rates shift based on different driver profiles.
No single insurance company can offer the best rates for everyone. We picked the best car insurance companies based on average rates, available discounts, and insurance coverage options.
Compare.com Rating: 5.0 out of 5
Many local agents
Rideshare coverage available
Above-average claims satisfaction
Gap insurance not available
Accident forgiveness not available
Few add-on coverage options
State Farm is a standout for drivers who want local, in-person support and dependable claims service. This company also scores well on customer happiness, with rideshare insurance and roadside assistance rounding out their solid coverage lineup.
Money-saving programs like Drive Safe & Save, Steer Clear, and multi-policy bundles can help make coverage more affordable.
Compare.com Rating: 4.95 out of 5
Cheap rates for liability-only coverage
Digital tools for policy and claims management
Many discount options
Limited local agent support
Mixed customer service reviews
Not much variety in optional coverage add-ons
GEICO is one of the largest auto insurance companies in the U.S.,[3] and it’s a strong pick if you’re looking to keep insurance costs down while still getting reliable coverage.
Sonata drivers can find affordable liability insurance from GEICO, with 23 different discounts to help you keep prices in check. Plus, online tools make it easy to manage your policy at any time.
Compare.com Rating: 4.50 out of 5
Discounts for students and teen drivers
Telematics programs reward safe driving
Unique extras, like pet injury coverage and rideshare coverage
Claims satisfaction lags behind competitors
High base rates before discounts
Some discounts have age or eligibility limits
Progressive stands out for students and younger drivers looking to save on insurance. Plus, it has flexible coverage options from which to customize your Sonata insurance policy.
You can also take advantage of student discounts and the Snapshot safe driver program that bases rates on your actual driving habits — which can make insurance more accessible and affordable for young drivers.
Compare personalized rates from dozens of top companies.
Your car’s age plays a part in the price of your premium, affecting factors like replacement costs and coverage needs. Generally, the newer your car is, the more you’ll pay to insure it.
The data below shows the average monthly auto insurance premiums of different Sonata models, along with the insurance company offering the lowest average rate.
Sonata Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $221 | Direct Auto | $126 |
| 2024 | $205 | Liberty Mutual | $98 |
| 2023 | $203 | Liberty Mutual | $103 |
| 2022 | $193 | Liberty Mutual | $105 |
| 2021 | $199 | Travelers | $89 |
| 2020 | $183 | Liberty Mutual | $89 |
| 2019 | $184 | Liberty Mutual | $89 |
| 2018 | $179 | Liberty Mutual | $73 |
| 2017 | $173 | Liberty Mutual | $75 |
| 2016 | $167 | Liberty Mutual | $69 |
| 2015 | $161 | Liberty Mutual | $68 |
| 2014 | $157 | Liberty Mutual | $80 |
| 2013 | $154 | Liberty Mutual | $54 |
| 2012 | $148 | Liberty Mutual | $52 |
While newer models can indicate higher rates, your location is another key factor in your final rate. Keep reading to learn more about how where you live plays into costs.
Your address also plays a role in how much you pay for car insurance, because some places are riskier than others. If you’re in an area with lots of car accidents, vehicle theft, or bad weather like hurricanes or hail, you’ll probably pay more, since insurance companies see those places as higher risk.
Here’s what Sonata owners fork over for car insurance in different states:
State | Average Monthly Premium |
|---|---|
| Alabama | $97 |
| Arizona | $131 |
| Arkansas | $187 |
| California | $188 |
| Colorado | $153 |
| Connecticut | $297 |
| Delaware | $181 |
| Florida | $191 |
| Georgia | $194 |
| Idaho | $98 |
| Illinois | $122 |
| Indiana | $105 |
| Iowa | $89 |
| Kansas | $120 |
| Kentucky | $191 |
| Louisiana | $176 |
| Maine | $116 |
| Maryland | $269 |
| Massachusetts | $147 |
| Michigan | $229 |
| Minnesota | $147 |
| Mississippi | $147 |
| Missouri | $143 |
| Montana | $119 |
| Nebraska | $137 |
| Nevada | $233 |
| New Hampshire | $90 |
| New Jersey | $155 |
| New Mexico | $113 |
| New York | $376 |
| North Carolina | $73 |
| North Dakota | $113 |
| Ohio | $99 |
| Oklahoma | $127 |
| Oregon | $126 |
| Pennsylvania | $128 |
| Rhode Island | $112 |
| South Carolina | $214 |
| South Dakota | $95 |
| Tennessee | $110 |
| Texas | $173 |
| Utah | $142 |
| Vermont | $106 |
| Virginia | $141 |
| Washington | $109 |
| District of Columbia | $222 |
| West Virginia | $113 |
| Wisconsin | $99 |
| Wyoming | $95 |
Teen drivers pay the highest premiums because they have a statistically higher rate of fatal crashes.[4] But as you gain driving experience, premiums drop significantly.
In the table below, you’ll find the average monthly premiums for three different age groups, along with the cheapest insurer for each.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $315 | Liberty Mutual | $141 |
| Adults | $152 | Liberty Mutual | $69 |
| Seniors | $128 | Liberty Mutual | $58 |
At $315 per month, teen Sonata drivers pay more than double what a 40-year-old adult pays, according to our data. Still, seniors get the lowest rates, at $128 per month, on average.
But no matter your age group, Liberty Mutual offers the most affordable coverage options. The company offers the lowest average rates for seniors, at $58 per month.
Your driving record tells insurers how risky you are behind the wheel, and that can either drive up or down your car insurance cost. Companies review your history for speeding tickets, at-fault accidents, and serious violations like DUIs, and you may see price increases at policy renewal time.
The table below shows how your driving history affects your monthly costs and where to find the lowest rates.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $166 | Liberty Mutual | $75 |
| Speeding ticket | $230 | Liberty Mutual | $104 |
| At-fault accident | $240 | Liberty Mutual | $109 |
| DUI | $273 | Liberty Mutual | $124 |
If you look closely, DUI violations result in the highest rate jump. While drivers with clean records pay an average of $166 per month, a DUI increases average rates to $273 per month. But no matter your driving record, Liberty Mutual has the cheapest car insurance premiums.
){kind=logo}
Features specific to the Hyundai Sonata can help or hurt your car insurance payment, since they affect both the likelihood of an accident and the cost of repair expenses.
These specific Sonata elements can affect your insurance risk and how much you’ll pay:
Trim level: Higher trims with premium parts typically increase insurance quotes because they’re pricier to replace when something goes wrong.
SmartSense safety features: Features like Blind-Spot View Monitor and Forward Collision-Avoidance Assist help avoid crashes, potentially saving you money on insurance.
Fuel type: While the Sonata offers both gas and hybrid options, our data shows that hybrids generally have higher car insurance costs.
)
You can lower your Sonata insurance cost by using these smart strategies:
Take advantage of safety discounts. Safety features like anti-lock brakes, airbags, and anti-theft systems can qualify you for safety discounts.
Consider your model year carefully. Newer Sonatas with advanced safety features may earn better discounts, but older models often cost less to insure overall.
Bundle your policies. Combining auto insurance with renters or homeowners coverage can unlock additional discounts.
Maintain a clean driving record. Being a responsible driver helps you earn safe driver discounts and keeps your premiums from climbing.
Shop around regularly. Prices can vary across insurance companies, even for the same Sonata coverage levels. Shopping around each year helps you find the best rates for your needs.
Comparing quotes takes just 15 minutes and can save you hundreds.
Here are answers to some of the most common questions about Hyundai Sonata insurance costs.
Yes. Hyundai Sonatas have slightly higher car insurance rates than the average vehicle. Compare.com research shows that Sonata insurance averages $166 per month, while the average monthly rate for all vehicles is $152.
Liberty Mutual has the lowest average rates for Hyundai Sonatas, according to Compare.com data, with premiums around $75 per month. Still, your actual insurance pricing depends on your location, driving history, and coverage needs. It’s smart to compare quotes from multiple companies to find your best rate.
The 2025 Hyundai Sonata has an average insurance bill of $221 per month, according to Compare.com data. Older models typically have cheaper quotes. The 2024 Sonata is just $205 per month, on average, while the 2020 model averages $183 per month.
The Santa Fe is the Hyundai model with the lowest average insurance rate, according to Compare.com data. It has an average monthly premium of $127.
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.
)
)
)
)
)
)
)
)
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.
)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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.
)
)
