Quick Facts
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It costs about the same to insure a Hyundai Sonata as the average car.
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Liability only insurance rates for a Sonata average about $94 monthly, while full coverage usually averages around $181 per month.
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Aspire is the lowest auto insurance company for a Sonata with a national average of just $41 a month for liability only coverage.
In This Article
Sonata Overview
The Hyundai Sonata is a great budget-friendly car for drivers of all types, with base prices starting at just $24,150 for 2022 models. With eight different trim levels currently available, you'll drive off the dealership lot in style.
We analyzed thousands of insurance quotes on Compare.com, and we've found that Hyundai Sonata car insurance premiums average out to about $190 monthly. But where does that fall compared to the rest of the market?
| Current Base Price | $24,150 |
| Body Style(s) | Car |
| Trim Levels | HYBRID/BLUE, HYBRID/LIMITED, SE, HYBRID/SEL, LIMITED, N LINE, SEL, SEL PLUS |
| Average Insurance Premium | $190/mo. |
| Cheapest Insurance Company | Aspire |
How Much is Car Insurance for a Hyundai Sonata?
| Vehicle | Liability Only | Full Coverage |
|---|---|---|
| Hyundai Sonata | $94 | $181 |
| All Hyundai Models | $88 | $174 |
| All Cars | $83 | $177 |
| Average Insurance Premium | $81 | $169 |
In the table above, you'll find that Hyundai Sonata insurance prices are right around average compared to other vehicles on the road. On average, Sonata owners will pay about $94 per month for liability insurance, and around $181 a month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about the difference with our guide "State Minimum vs. Full Coverage").
When you compare it to other models, the Sonata is matches the other vehicle types offered by Hyundai. Compared to offerings from other brands, insurance for a Sonata is similarly on the expensive side, with liability only insurance rates coming in about 13% more and 2% more for full coverage.
Compared to all vehicles, regardless of body style, make, or model, car insurance premiums for both liability only and full coverage policies run higher than average.
Who has the Cheapest Car Insurance for a Hyundai Sonata?
| Insurance Company | Average Monthly Premium |
|---|---|
| Hallmark | $34 |
| MetroMile | $36 |
| Arrowhead | $40 |
| Aspire | $41 |
| Commonwealth Casualty | $48 |
If you're browsing for a new auto insurance policy for your Hyundai Sonata, you're likely wondering which carrier offers the lowest rates. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $34 per month from Hallmark. The runner up for cheapest rates is MetroMile, with auto insurance policies starting sometimes as cheap as $36 per month.
Arrowhead, Aspire, and Commonwealth Casualty finish off the rest of the top 5. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Hyundai Sonata.
Auto insurance companies take a range of factors into consideration when calculating monthly premiums. The only way to guarantee you'll find the most affordable rates is to compare quotes from a variety of car insurance carriers.
What Factors Affect Car Insurance Rates for a Hyundai Sonata?
As we mentioned above, there are a lot of things that auto insurance companies take a look at to decide how much they charge for a policy -- and each company weighs certain variables more than others, so there's not one single carrier that's the lowest for every Sonata driver.
The sections below show a wide array of variables insurance carriers use to calculate rates:
Vehicle Age
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less than 1 Year | $99 |
| 2-3 Years | $90 |
| 4-5 Years | $96 |
| 6-7 Years | $90 |
| 8-10 Years | $95 |
| 11-14 Years | $93 |
| 15 Years or Older | $95 |
Hyundai has been making the Sonata for quite some time -- and that means the car's age may play a big role in how much you'll pay for auto insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go down.
Based on the information in the table above, the Hyundai Sonata follows this trend, as the cheapest models to insure are those that are 2 to 3 and 6 to 7 years old, while the most expensive models are Sonatas that are 1 year old or less, on average.
Your Age
| Age | Average Monthly Premium |
|---|---|
| Under 18 | $229 |
| 18-24 | $133 |
| 25-34 | $88 |
| 35-44 | $81 |
| 45-54 | $68 |
| 55-64 | $68 |
| 65 or Older | $66 |
How old you are plays a role in how much insurance companies will charge you for a policy. As you can see in the table above, drivers who are under 18 have much higher rates compared to older Sonata drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.
Car insurance prices continue to get lower as you get older, with drivers aged 65 years and older making up the cheapest age group for the Sonata.
Your Gender
| Gender | Average Monthly Premium |
|---|---|
| Male | $97 |
| Female | $90 |
Women tend to pay less for car insurance than men. This is because women are less likely to get speeding tickets and get into accidents, which lowers the chances of an insurance claim. The Hyundai Sonata sticks to the norm, where men pay around $7 more than women monthly for insurance.
Where You Live
| State | Average Monthly Premium |
|---|---|
| California | $58 |
| Florida | $131 |
| Georgia | $131 |
| Illinois | $48 |
| New York | $202 |
| North Carolina | $59 |
| Ohio | $61 |
| Pennsylvania | $77 |
| Texas | $70 |
| Virginia | $67 |
It may seem like common sense that things such as how old you are and what vehicle you drive play a role in your car insurance prices, but did you know that where you live can be just as important? Insurance is regulated on a state-by-state basis, so premiums vary quite a bit from state to state.
For example, the average Hyundai Sonata owner in New York pays about $202 a month for liability coverage, while the same Californian driver will pay less than a third of that price, on average. The table referenced above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change between states.
Hyundai Sonata Car Insurance Discounts
No matter your home state, your car, or your age, using as many discounts as possible when it comes to your auto insurance is always a smart move when shopping around for a new policy.
While no two insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:
- Multi-policy discounts for using the same insurance company for both your home and auto insurance
- Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
- Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than in monthly installments
- Multi-car discounts for having more than one vehicle on your auto policy
But these aren't the only discounts auto insurance companies offer to their customers. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.
Even though you may not have control of every factor car insurance carriers reference to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the variables you can use in your favor when it comes to saving cash:
Your Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $118 |
| Multiple Accidents | $162 |
| 1 Ticket | $103 |
| Multiple Tickets | $134 |
You've most likely observed ads from insurance companies promoting large savings for responsible drivers. It should be no surprise that your auto insurance rates will go higher if you get tickets or get into an accident. But exactly how much will these infractions cost you?
You can see from the table above that accidents will usually cost Sonata drivers more than tickets, but both will result in above average rates. Hyundai Sonata drivers with a single ticket will pay an average of $103 monthly, while drivers with one accident on their record pay about $118 a month (up $24 from the $94/mo. overall average). Drivers who have more than one of either violation will end up paying even more.
How Much You Drive
| Annual Mileage | Average Monthly Premium |
|---|---|
| 0-2,500 Miles | $89 |
| 2,501-5,000 Miles | $94 |
| 5,001-7,500 Miles | $84 |
| 7,501-10,000 Miles | $97 |
| 10,000+ Miles | $92 |
Another variable that plays a big role in your car insurance premiums is how much you drive. Those who drive less are less likely to get into collisions, so they'll typically end up paying less for auto insurance. Based on the table above, you can see that Hyundai Sonata owners who drive fewer than 2,500 miles each year pay an average of $89 per month for insurance, while those who put 10,000 miles or more on their cars pay $92.
But if you don't use your Hyundai Sonata that often, it may be worth learning about 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 how many miles you drove.
How Do Hyundai Sonatas Compare to Other Vehicles?
If you're thinking about buying a new car and a Hyundai Sonata is on your shortlist, you might be wondering how it compares to other vehicles. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.
Take a look at the table below to see how the Hyundai Sonata stacks up:
| Hyundai Sonata | National Average | |
|---|---|---|
| Liability Insurance | $46 | $81 |
| Full Coverage Insurance | $160 | $169 |
| Base MSRP | $24,150 | $41,045 |
| Average Annual Mileage | 13,166 | 11,673 |
With an MSRP that's a third less than the going rate for a new vehicle, the Hyundai Sonata is a great value for any budget. While the average vehicle MSRP in the U.S. is $41,045, the Sonata retails at just $24,150.
In the same fashion, auto insurance prices are lower when compared to other vehicles on the market. Liability insurance for a Hyundai Sonata is around $35 per month less than average, while full coverage is $9 less monthly.
When it comes to usage, Hyundai Sonata owners drive more miles annually than the national average, with 13,166 miles every year compared to 11,673 for all vehicles.
Hyundai Sonata Car Insurance Costs by Model Year
We've gone over many of the factors that can affect how much you might pay for insurance. But if you're considering buying a new vehicle and the Sonata is one you're thinking about, knowing what you'll likely pay for the specific car you're looking at can be helpful as you consider your choices.
So we've broken down Hyundai Sonata car insurance rates by model year. Simply choose a specific Sonata model year in the dropdown below and see average rates for both full coverage and liability only insurance. We've also included some other helpful info that might help you make a decision, like the base MSRP, which trim levels are offered, and who offers the most affordable policies for each year the Sonata has been around.
2022 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $46 |
| Full Coverage Avg. Premium | $160 |
| Base MSRP | $24,150 |
| Cheapest Insurance Company | Shelter Mutual - $37/mo. |
| Available Trims | HYBRID/BLUE, HYBRID/LIMITED, HYBRID/SEL, LIMITED, N LINE, SE, SEL, SEL PLUS |
On average, drivers who own a 2022 Hyundai Sonata can expect to pay $46 to $160 per month for liability only and full coverage auto insurance, respectively.
If you're looking for the most affordable 2022 Hyundai Sonata insurance policy, Shelter Mutual offered the cheapest policy we found, with rates as little as just $37 a month.
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.
2021 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $88 |
| Full Coverage Avg. Premium | $222 |
| Base MSRP | $23,600 |
| Cheapest Insurance Company | Hugo - $21/mo. |
| Available Trims | HYBRID/BLUE, HYBRID/LIMITED, HYBRID/SEL, LIMITED, N LINE, SE, SEL, SEL PLUS |
It costs about $88 per month for liability or $222 for a full coverage policy for the 2021 Sonata.
Looking for the most affordable policy? Hugo offered liability only coverage for sometimes as little as $21 a month.
While these are good estimates of what the average driver might pay to insure a 2021 Hyundai Sonata, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.
2020 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $127 |
| Full Coverage Avg. Premium | $227 |
| Base MSRP | $23,600 |
| Cheapest Insurance Company | DirectGeneral - $29/mo. |
| Available Trims | HYBRID/BLUE, HYBRID/LIMITED, HYBRID/SEL, LIMITED, SE, SEL, SEL PLUS |
You can expect full coverage for a 2020 Hyundai Sonata to run around $227 monthly, while liability only coverage will average about $127 a month.
We found DirectGeneral offered the cheapest policy, with rates as cheap as $29 monthly.
Interested in what your car insurance rate will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing an array of personalized quotes from the nation's top insurance carriers.
2019 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $118 |
| Full Coverage Avg. Premium | $210 |
| Base MSRP | $22,650 |
| Cheapest Insurance Company | Safeco - $20/mo. |
| Available Trims | ECO TURBO, HYBRID/LIMITED, HYBRID/SE, LIMITED TURBO, LIMITED/SEL/SPORT, PLUG-IN HYBRID, PLUG-IN HYBRID/LIMITED, SE |
2019 Sonata drivers can expect to pay an average of $118 per month for liability or $210 for full coverage.
With premiums as low as $20 monthly, Safeco offered the lowest policy we found for the 2019 Hyundai Sonata.
And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.
2018 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $117 |
| Full Coverage Avg. Premium | $213 |
| Base MSRP | $22,050 |
| Cheapest Insurance Company | Gainsco - $25/mo. |
| Available Trims | ECO, HYBRID/LIMITED, HYBRID/SE, PLUG-IN HYBRID, PLUG-IN HYBRID/LIMITED, SE, SPORT/LIMITED/SEL |
The average cost to insure a 2018 Hyundai Sonata with liability only coverage is $117 per month, while full coverage runs around $213 a month.
Gainsco has prices as low as just $25 monthly for the 2018 Hyundai Sonata.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.
2017 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $106 |
| Full Coverage Avg. Premium | $202 |
| Base MSRP | $21,600 |
| Cheapest Insurance Company | Hugo - $17/mo. |
| Available Trims | ECO, HYBRID/LIMITED, HYBRID/SE, PLUG-IN HYBRID, PLUG-IN HYBRID/LIMITED, SE, SPORT/LIMITED |
It costs about $106 a month for liability or $202 for a full coverage policy for the 2017 Sonata.
Hugo offered the cheapest policy we found, with rates as little as $17 per month.
Want to know exactly what your insurance price will be? Enter your ZIP code below to get multiple free customized quotes.
2016 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $92 |
| Full Coverage Avg. Premium | $191 |
| Base MSRP | $21,750 |
| Cheapest Insurance Company | DirectGeneral - $19/mo. |
| Available Trims | ECO, HYBRID, HYBRID/LIMITED, HYBRID/SE, PLUG-IN HYBRID, PLUG-IN HYBRID/LIMITED, SE, SPORT/LIMITED |
2016 Hyundai Sonata drivers can expect to pay an average of $92 monthly for liability or $191 for full coverage.
With premiums sometimes as low as $19 a month, DirectGeneral offered the lowest policy we found.
If you want to know exactly how much you can expect to pay for your Sonata, just enter your ZIP code below and get free quotes in minutes.
2015 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $100 |
| Full Coverage Avg. Premium | $190 |
| Base MSRP | $21,150 |
| Cheapest Insurance Company | Hallmark - $20/mo. |
| Available Trims | ECO, HYBRID/LIMITED, SE, SPORT/LIMITED |
On average, drivers who own a 2015 Sonata can expect to pay $100 to $190 per month for liability only and full coverage auto insurance, respectively.
Hallmark offered the most affordable policy we found, with rates as cheap as just $20 a month.
While these are good estimates of what the average driver might pay to insure a 2015 Hyundai Sonata, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.
2014 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $86 |
| Full Coverage Avg. Premium | $175 |
| Base MSRP | $21,450 |
| Cheapest Insurance Company | DirectGeneral - $18/mo. |
| Available Trims | GLS, HYBRID, SE/LIMITED |
You can expect full coverage for a 2014 Hyundai Sonata to run around $175 monthly, while liability only coverage will average about $86 per month.
If you're looking for the cheapest possible 2014 Hyundai Sonata insurance policy, DirectGeneral offered the lowest policy we found, with rates as low as just $18 a month.
What will your insurance rate be? Get lots of free personalized quotes by just entering your ZIP code below.
2013 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $96 |
| Full Coverage Avg. Premium | $176 |
| Base MSRP | $21,195 |
| Cheapest Insurance Company | StateAuto - $18/mo. |
| Available Trims | GLS, HYBRID, SE/LIMITED |
The average cost to insure a 2013 Sonata with liability only coverage is $96 monthly, while full coverage runs around $176 per month.
StateAuto has premiums sometimes as cheap as $18 a month for the 2013 Hyundai Sonata.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
2012 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $92 |
| Full Coverage Avg. Premium | $170 |
| Base MSRP | $19,795 |
| Cheapest Insurance Company | StateAuto - $16/mo. |
| Available Trims | GLS, HYBRID, SE/LIMITED |
On average, drivers who own a 2012 Hyundai Sonata can expect to pay $92 to $170 per month for liability only and full coverage car insurance, respectively.
With rates sometimes as little as $16 monthly, StateAuto offered the most affordable policy we found for the 2012 Hyundai Sonata.
What could your insurance price look like? Get a variety of personalized quotes for free by just entering your ZIP code below.
2011 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $98 |
| Full Coverage Avg. Premium | $176 |
| Base MSRP | $19,395 |
| Cheapest Insurance Company | AnswerFinancial - $19/mo. |
| Available Trims | GLS, HYBRID, SE/LIMITED |
It costs about $98 a month for liability or $176 for a full coverage policy for the 2011 Sonata.
With prices as cheap as just $19 monthly, AnswerFinancial offered the cheapest policy we found.
If you want to know exactly how much you can expect to pay for your Sonata, get free quotes in minutes by just entering your ZIP code below.
2010 Hyundai Sonata Car Insurance
| Liability Only Avg. Premium | $95 |
| Full Coverage Avg. Premium | $152 |
| Base MSRP | $18,700 |
| Cheapest Insurance Company | Mile Auto - $17/mo. |
| Available Trims | GLS, SE/LIMITED |
You can expect full coverage for a 2010 Hyundai Sonata to run around $152 per month, while liability only coverage will average about $95 monthly.
Looking for the most affordable policy? Mile Auto offered liability only coverage for as cheap as $17 per month.
If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.
Hyundai Sonata Insurance FAQs
Is a Hyundai Sonata expensive to insure?
The cost of car insurance for the Hyundai Sonata is about the same as insuring the average car. Liability insurance runs an average of $94 a month, while full coverage will cost you around $181.
How can I get the best price on car insurance for my Hyundai Sonata?
There's only one way to be sure you're getting the cheapest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from quite a few companies 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 Hyundai Sonata affect my insurance prices?
You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. There are several variables auto insurance carriers look at when they calculate how much you'll pay, but the color of your vehicle is not on that list.
Do I need to have insurance before I buy a Hyundai Sonata?
Before you can legally drive your new (or new to you) Sonata off the dealership lot, you'll need to have valid car insurance for it. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance carrier know before you buy.
What car insurance discounts can I get for my Hyundai Sonata?
There are multiple different discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the car you drive, but if your Sonata has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to talk with your insurance agent and ask about their list of discounts, since they shift quite a bit from carrier to carrier.