+120 more*These quotes are from Compare.com users within the last 10 days. Updated on June 23, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on June 23, 2026
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
Hyundai Sonata drivers pay $171 per month on average for car insurance — slightly higher than the $162 national average for all vehicles.
USAA offers the cheapest average rate, at $90 per month, followed by State Farm at $99 per month.
Theft risk (the Sonata ranks among the most stolen vehicles), trim level, and horsepower can push rates higher, while strong crash ratings and safety tech may lower costs.
Average auto rates vary by policy type. Liability insurance costs less as it covers only damages caused to others, including bodily injury and property damage.
Full-coverage policies cost more because they typically include liability, collision, and comprehensive coverage. Collision pays for crash damage to your Sonata, and comprehensive pays for damage from non-collision events, such as vandalism or weather damage.
Here are the average monthly premiums for liability-only and full-coverage insurance for the Sonata compared to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Hyundai Sonata | $123 | $218 | $171 |
| All vehicles | $114 | $210 | $162 |
Sonata owners pay slightly above the national average, at $123 per month for liability and $218 for full-coverage insurance.
Next, we highlight the cheapest companies for the Sonata, the costs by model, and additional factors that affect your rates.
Comparing quotes can save you up to $867.†
Rates vary considerably across car insurance companies, even for the same vehicle. That’s because each company evaluates risk differently and uses different business models, which can affect your Sonata insurance costs.
The table below shows the cheapest companies and average premiums for the Hyundai Sonata based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $99 |
| Allstate | $127 |
| American Family | $135 |
| GEICO | $139 |
| AAA | $152 |
| Nationwide | $164 |
| Progressive | $168 |
| Travelers | $171 |
| Farmers | $194 |
| Liberty Mutual | $231 |
| Amica | $436 |
| User Reviews | 4.2 |
|---|---|
| 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. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA regularly ranks among the best car insurance companies in the country. With competitive rates, generous savings opportunities — such as up to 30% off through SafePilot — and a perks program that includes travel discounts, there’s plenty to appreciate.
That said, only military members and veterans can get coverage, so it won’t be the best fit for every Sonata owner.
Excellent J.D. Power claims and customer service
Accident forgiveness and perks programs
Only available to military members and families
Fewer local agents
| User Reviews | 3.8 |
|---|---|
| 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 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
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.
State Farm provides top-rated customer service from its network of more than 19,000 local agents. And for Sonata drivers who prefer to self-manage their policies online, it also has a well-reviewed mobile app.[1] State Farm’s insurance discounts include up to 30% for Drive Safe & Save and special savings for young drivers, like 25% off for getting good grades.
Above-average J.D. Power customer satisfaction
Generous discount programs
No accident forgiveness
Doesn’t offer gap insurance
| User Reviews | 3.6 |
|---|---|
| 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. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers cheaper-than-average car insurance and two usage-based insurance programs to help you lower your Sonata rates further. Low-mileage drivers can take advantage of the pay-per-mile program Milewise. Other drivers might save with Drivewise, the telematics program that rewards safe driving.
Accident forgiveness available
Above-average satisfaction with usage-based insurance programs[2]
Low J.D. Power customer satisfaction scores
Below-average J.D. Power claims rating
The age of your Sonata also affects costs because cars lose value as they age. Newer models typically cost more to insure because they have a higher market value and cost more to repair.
For example, a 2025 Sonata averages $207 per month, but a 2015 model averages $167 per month, according to our data. The lower a vehicle’s value, the lower the comprehensive and collision insurance premiums, since it lowers the maximum payout if you total your car.
Let’s look at the average monthly premiums by Sonata model year in the table below, based on Compare.com data.
Sonata Model Year | Average Monthly Premium |
|---|---|
| 2026 | $205 |
| 2025 | $207 |
| 2024 | $207 |
| 2023 | $206 |
| 2022 | $206 |
| 2021 | $199 |
| 2020 | $190 |
| 2019 | $186 |
| 2018 | $179 |
| 2017 | $176 |
| 2016 | $171 |
| 2015 | $167 |
| 2014 | $165 |
| 2013 | $156 |
| 2012 | $152 |
| 2011 | $148 |
| 2010 | $146 |
| 2009 | $140 |
| 2008 | $139 |
| 2007 | $136 |
| 2006 | $135 |
| 2005 | $131 |
| 2004 | $128 |
| 2003 | $127 |
| 2002 | $127 |
| 2001 | $127 |
| 2000 | $126 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $119 |
| Allstate | $152 |
| American Family | $162 |
| GEICO | $167 |
| AAA | $182 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $120 |
| Allstate | $153 |
| American Family | $163 |
| GEICO | $168 |
| AAA | $184 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $120 |
| Allstate | $153 |
| American Family | $163 |
| GEICO | $168 |
| AAA | $184 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $119 |
| Allstate | $153 |
| American Family | $162 |
| GEICO | $167 |
| AAA | $183 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $119 |
| Allstate | $153 |
| American Family | $162 |
| GEICO | $167 |
| AAA | $183 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $115 |
| Allstate | $148 |
| American Family | $157 |
| GEICO | $162 |
| AAA | $177 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $110 |
| Allstate | $141 |
| American Family | $150 |
| GEICO | $154 |
| AAA | $169 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $108 |
| Allstate | $138 |
| American Family | $147 |
| GEICO | $151 |
| AAA | $165 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $104 |
| Allstate | $133 |
| American Family | $141 |
| GEICO | $146 |
| AAA | $159 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $102 |
| Allstate | $131 |
| American Family | $139 |
| GEICO | $143 |
| AAA | $157 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $99 |
| Allstate | $127 |
| American Family | $135 |
| GEICO | $139 |
| AAA | $152 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $97 |
| Allstate | $124 |
| American Family | $132 |
| GEICO | $136 |
| AAA | $148 |
Compare personalized quotes from America’s top companies.
Your state plays an important role in determining car insurance costs because every state has varying insurance laws, claim rates, weather events, and other factors that affect risk. Since insurers price policies based on risk, these differences can affect what you pay.
The map below shows the average Sonata insurance rates in each state, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $141 |
| Arizona | $150 |
| Arkansas | $162 |
| California | $184 |
| Colorado | $184 |
| Connecticut | $255 |
| Delaware | $213 |
| Florida | $199 |
| Georgia | $228 |
| Hawaii | $113 |
| Idaho | $94 |
| Illinois | $142 |
| Indiana | $117 |
| Iowa | $96 |
| Kansas | $133 |
| Kentucky | $177 |
| Louisiana | $191 |
| Maine | $125 |
| Maryland | $271 |
| Massachusetts | $135 |
| Michigan | $206 |
| Minnesota | $156 |
| Mississippi | $135 |
| Missouri | $162 |
| Montana | $133 |
| Nebraska | $129 |
| Nevada | $226 |
| New Hampshire | $79 |
| New Jersey | $241 |
| New Mexico | $130 |
| New York | $197 |
| North Carolina | $79 |
| North Dakota | $104 |
| Ohio | $111 |
| Oklahoma | $153 |
| Oregon | $136 |
| Pennsylvania | $144 |
| Rhode Island | $197 |
| South Carolina | $219 |
| South Dakota | $123 |
| Tennessee | $127 |
| Texas | $196 |
| Utah | $134 |
| Vermont | $128 |
| Virginia | $160 |
| Washington | $152 |
| District of Columbia | $281 |
| West Virginia | $132 |
| Wisconsin | $108 |
| Wyoming | $101 |
Another significant cost factor that affects your rates is your age. Teens and young drivers typically pay the highest rates, with premiums dropping substantially by age 30 and steadily decreasing as drivers get older.
Senior drivers typically pay the lowest rates and often also get access to additional car insurance discounts.
This table shows the average rates for Sonata auto insurance based on driver age, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $328 |
| Adults | $171 |
| Seniors | $147 |
Teen drivers and drivers under 25 usually pay higher car insurance premiums due to their inexperience and higher crash rates. Teens ages 16 to 19 are more likely to be involved in crashes than older drivers, and factors like speeding contribute to their risk.[3]
Even so, some car insurance companies offer lower-than-average rates for young drivers. Here are the cheapest car insurance companies for young Sonata drivers, according to data from Compare.com.
Category | Price |
|---|---|
| State Farm | $158 |
| Allstate | $203 |
| American Family | $216 |
| GEICO | $222 |
| AAA | $243 |
Senior drivers usually qualify for the lowest car insurance rates because they have more experience and drive fewer miles annually, which correlates to lower crash rates.[4] Older drivers have lower crash and injury rates per mile than many younger age groups.
But even when you start with low rates, you can usually find insurers willing to offer even lower ones.
This table highlights the cheapest insurers for senior Sonata drivers, according to Compare.com data.
Category | Price |
|---|---|
| State Farm | $84 |
| Allstate | $108 |
| American Family | $115 |
| GEICO | $118 |
| AAA | $129 |
Your driving history will affect your Sonata premiums because how you’ve driven in the past (i.e., past tickets or accidents) helps insurers predict how likely you are to file future claims.[5]
Below, you’ll see how Sonata insurance rates change based on driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $171 |
| Speeding ticket | $229 |
| At-fault accident | $245 |
| DUI | $287 |
Drivers with a clean driving record pay much lower rates, at $171 per month. A single speeding ticket can raise your premiums by nearly $60 per month. More serious driving violations, like a DUI, come with significantly higher rates.
A single speeding ticket can spike your Sonata insurance costs by nearly 30%, according to our research. In 2023, speeding played a role in approximately 29% of traffic fatalities.[6] That’s why insurers typically charge higher rates after a ticket.
Still, you can find affordable options despite having a ticket on your record. In the table below, we’ve listed the cheapest car insurance companies for Sonata drivers with a ticket.
Category | Price |
|---|---|
| State Farm | $123 |
| Allstate | $165 |
| American Family | $176 |
| AAA | $185 |
| GEICO | $186 |
Sonata drivers with an at-fault accident on their driving record can expect to see higher premiums. It shows insurers you’re riskier to insure and indicates you’re more likely to get into another accident in the future.[7]
Fortunately, you can still find affordable coverage from some companies. Here are the cheapest options for Sonata drivers with an accident, based on Compare.com data.
Category | Price |
|---|---|
| State Farm | $126 |
| Allstate | $165 |
| GEICO | $168 |
| American Family | $176 |
| Nationwide | $216 |
Getting charged with driving under the influence (DUI) will raise your auto insurance rates significantly. That’s because alcohol-impaired crashes account for around 30% of all vehicle crash deaths in the United States.[8] Studies also show that drivers with DUI convictions are more likely to drive intoxicated again.[9]
But that doesn’t rule out the chance of finding affordable coverage. The table below shows the cheapest auto insurers for Sonata drivers with a DUI, according to our data.
Category | Price |
|---|---|
| State Farm | $145 |
| Allstate | $186 |
| GEICO | $190 |
| American Family | $198 |
| AAA | $222 |
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The Sonata’s features and specs influence your insurance costs. Insurers consider your car’s value, theft risk, and other details when setting your premiums.
Here are several factors to keep in mind:
Theft risk: The Sonata was the second most-stolen car model in 2024, according to the National Insurance Crime Bureau. This can make your comprehensive premiums more expensive.
Horsepower: The Sonata’s higher horsepower can also lead to higher insurance rates.
Vehicle models: More expensive trims — like the Sonata SEL Sport and N Line — will likely cost more to insure than the base Sonata SE. The 2026 Sonata’s starting MSRP ranges from about $28,145 to around $29,245 for the SEL and $36,745 for the N Line.[10]
Safety ratings: The Sonata has strong crash-test ratings and multiple advanced driver assistance features, according to Kelley Blue Book, which may help lower premiums.
Tech features: Available features like collision warning and lane-keeping assist can lower your accident risk and may also reduce your rates.
Repair costs: A vehicle with advanced safety and luxury features can be more costly to repair, which can lead to higher insurance costs.
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You can always find ways to save on car insurance. Here are a few helpful strategies:
Bundle your policies. Buying auto and homeowners insurance (or other insurance products) from the same company usually earns you a substantial multi-policy discount.
Take a driving course. Many insurers offer discounts for completing driver safety training.
Try telematics. Signing up for your insurer’s telematics programs can result in savings if you practice safe driving habits.
Raise deductibles. A higher deductible means a lower monthly premium — just be sure you can afford it if you file a claim.
Shop around. Compare car insurance rates regularly to ensure you’re always paying the best rate.
Get real-time quotes and save money on your next policy.
Here are the answers to the most common questions Sonata drivers ask about getting coverage.
Not really. The cost of Hyundai Sonata insurance ranks slightly above average, according to our data. That said, your personal rate will depend on many factors, including your age, location, and driving record.
Our data shows that USAA offers the cheapest car insurance coverage for the Sonata, with State Farm and Allstate offering the next-cheapest rates. The best way to uncover the cheapest company for you is to compare car insurance quotes.
Car insurance for a 2026 Hyundai Sonata averages $205 per month, according to Compare.com data.
The Hyundai Tucson is the cheapest model to insure. Tucson drivers pay an average of $109 per month for liability insurance and $184 per month for full coverage, according to Compare.com.
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.
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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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