Newer Hyundai Sonatas cost more to insure than older models due to their higher market values. You'll pay monthly premiums ranging from $332 for 2025 Sonatas down to $170 for older model years.
Hyundai Sonata Insurance Cost
Updated: January 19, 2026
Key Takeaways
Hyundai Sonata insurance costs an average of $186 monthly for full coverage. GEICO offers the lowest rates. Read more
The Sonata ranks 113th out of 199 sedans for insurance affordability. Among 827 vehicles analyzed, it ranks 445th overall, confirming moderate insurance costs for a mid-size sedan. Read more
Check rates for your Sonata's specific model year to get accurate insurance costs. A 2025 Sonata costs $332 monthly for full coverage compared to $206 for a 2021 model. Read more
How Much Is Hyundai Sonata Insurance?
Looking for another Hyundai model? Read more about the cost of Hyundai car insurance models.
Insurance rates depend on model year and insurer. Hyundai Sonata minimum coverage costs range from $61 monthly with GEICO to $153 with UAIC, while full coverage spans $133 monthly with GEICO to $338 with AIG.
Rate variations exceeding $92 for minimum coverage and $205 for full coverage demonstrate why Sonata owners need to shop around. Companies calculate risk differently for each model, affecting your final quote.
| AAA | $152 | $316 |
| AIG | $200 | $505 |
| Allstate | $162 | $316 |
| Amica | $169 | $346 |
| Chubb | $195 | $388 |
| Farmers | $200 | $354 |
| Geico | $83 | $179 |
| Kemper | $137 | $274 |
| Nationwide | $184 | $318 |
| Progressive | $160 | $301 |
| State Farm | $130 | $270 |
| The Hartford | $137 | $233 |
| Travelers | $141 | $262 |
| UAIC | $207 | $260 |
Is Hyundai Sonata Expensive to Insure?
MoneyGeek's analysis of sedan insurance costs shows the Hyundai Sonata ranking 113th among 200 sedans in our database, meaning 112 vehicles are cheaper to insure. It costs a few dollars more per month than a Lexus LS but runs slightly less than a Cadillac CTS. This middle-tier positioning among sedans provides useful context for potential buyers.
Sedans are expensive to insure overall, and the Sonata's 445th ranking out of 827 total vehicles puts it in the upper half for insurance costs. The cheapest sedan to insure is the Saturn S-Series, while the Cadillac CTS-V commands the highest premiums in this category.
| Audi A5 | $139 | 110 |
| Pontiac G8 | $139 | 111 |
| Lexus LS | $140 | 112 |
| Hyundai Sonata | $141 | 113 |
| Cadillac CTS | $141 | 114 |
| Hyundai Ioniq 6 | $142 | 115 |
| BMW 5-series | $142 | 116 |
Several factors affect what you'll pay for Hyundai Sonata insurance:
- Average Repair or Replacement Costs: With annual repair costs averaging $677, the Hyundai Sonata ranks as the 7th most affordable model to maintain among Hyundai's 20 vehicle lineup, keeping insurance premiums relatively manageable.
- Vehicle Trim, Features and Accessories: Performance capabilities vary across trims, with horsepower ranging from 191 to 290. Higher-performance variants command higher insurance premiums due to their increased power output and associated risk factors.
- Driver Profile: The Sonata attracts drivers aged 30 to 50 with a median age around 40, who generally enjoy lower rates due to responsible driving patterns. However, its performance reputation can draw risk-taking behaviors that raise insurer concerns. Read more about the costs of Hyundai Sonatas for young drivers.
Hyundai Sonata Insurance Cost by State
Car insurance for a Hyundai Sonata ranges from $33 per month in Wyoming to $186 in Louisiana for minimum coverage, depending on where you're located. These dramatic differences reflect your state's risk characteristics and insurance regulations rather than anything about the Sonata itself.
| Alabama | $80 | $150 |
| Alaska | $68 | $144 |
| Arizona | $112 | $210 |
| Arkansas | $77 | $171 |
| California | $89 | $181 |
| Colorado | $91 | $217 |
| Connecticut | $133 | $229 |
| Delaware | $135 | $225 |
| Florida | $127 | $297 |
| Georgia | $142 | $233 |
| Hawaii | $50 | $113 |
| Idaho | $52 | $106 |
| Illinois | $86 | $161 |
| Indiana | $61 | $118 |
| Iowa | $53 | $128 |
| Kansas | $68 | $157 |
| Kentucky | $116 | $197 |
| Louisiana | $186 | $401 |
| Maine | $48 | $100 |
| Maryland | $149 | $252 |
| Massachusetts | $96 | $203 |
| Michigan | $147 | $281 |
| Minnesota | $77 | $159 |
| Mississippi | $81 | $160 |
| Missouri | $108 | $215 |
| Montana | $69 | $163 |
| Nebraska | $66 | $149 |
| Nevada | $172 | $311 |
| New Hampshire | $66 | $116 |
| New Jersey | $154 | $253 |
| New Mexico | $76 | $170 |
| New York | $117 | $210 |
| North Carolina | $77 | $150 |
| North Dakota | $55 | $119 |
| Ohio | $73 | $142 |
| Oklahoma | $87 | $192 |
| Oregon | $118 | $204 |
| Pennsylvania | $81 | $192 |
| Rhode Island | $115 | $206 |
| South Carolina | $96 | $179 |
| South Dakota | $51 | $153 |
| Tennessee | $75 | $151 |
| Texas | $117 | $240 |
| Utah | $102 | $173 |
| Vermont | $43 | $102 |
| Virginia | $88 | $144 |
| Washington | $89 | $165 |
| West Virginia | $81 | $166 |
| Wisconsin | $62 | $137 |
| Wyoming | $33 | $103 |
Hyundai Sonata Costs by Model Year and Insurance Company
A 35- to 55-year-old driver pays $372 monthly for full coverage on a 2025 Hyundai Sonata compared to just $186 for a 2016 model. Your model year affects insurance costs, with newer vehicles commanding much higher premiums than older ones. Young drivers in their teens and early twenties face even steeper rates across all Hyundai Sonata model years.
GEICO consistently offers the lowest rates across all Sonata model years and could save you hundreds per month.Â
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Hyundai Sonata
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
Cost of Car Insurance for 2024 Hyundai Sonata
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
Cost of Car Insurance for 2023 Hyundai Sonata
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
Cost of Car Insurance for 2022 Hyundai Sonata
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
Cost of Car Insurance for 2021 Hyundai Sonata
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
Cost of Car Insurance for 2020 Hyundai Sonata
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
Cost of Car Insurance for 2019 Hyundai Sonata
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
Cost of Car Insurance for 2018 Hyundai Sonata
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
Cost of Car Insurance for 2017 Hyundai Sonata
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
Cost of Car Insurance for 2016 Hyundai Sonata
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
Hyundai Sonata Insurance Cost by Trim
Insurance costs for your Hyundai Sonata vary by trim, ranging from $62 monthly for minimum coverage on basic SEL+ Sedan 4D models to $387 for full coverage on Limited variants. Performance features, rarity, and market value determine where each trim falls in this range.
| Sel+ Sedan 4d | $62 | $121 |
| Sport+ Sedan 4d | $67 | $129 |
| Limited 2.0t+ Sedan 4d | $73 | $142 |
| Gl Sedan 4d | $76 | $147 |
| Eco Sedan 4d | $78 | $151 |
| Sport 2.0t Sedan 4d | $79 | $152 |
| Sedan 4d | $83 | $160 |
| Gls Sedan 4d | $84 | $161 |
| Sport Sedan 4d | $85 | $164 |
| Limited 2.0t Sedan 4d | $86 | $166 |
| Se Sedan 4d | $86 | $166 |
| Hybrid Sedan 4d | $89 | $171 |
| Lx Sedan 4d | $94 | $181 |
| Limited Sedan 4d | $94 | $183 |
| Sel Sedan 4d | $98 | $189 |
| Hybrid Limited Sedan 4d | $103 | $199 |
| Blue Sedan 4d | $106 | $205 |
| N-Line Sedan 4d | $111 | $216 |
| Sel Plus Sedan 4d | $114 | $221 |
| N Line Sedan 4d | $122 | $237 |
| N Line Night Edition Sedan 4d | $126 | $244 |
| Se | $145 | $281 |
| Sel | $157 | $305 |
| Sel Convenience | $167 | $324 |
| N Line | $187 | $364 |
| Limited | $200 | $387 |
How to Lower the Cost of Hyundai Sonata Insurance
We've compiled proven strategies that help you reduce your Hyundai Sonata insurance premiums:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Hyundai Sonata. Own your vehicle? Purchase state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for mid-size sedans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Hyundai Sonata in your area.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and verify AM Best financial stability ratings. Budget options could provide limited coverage or slower claims service.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Hyundai Sonata owners often qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts when combining auto and home policies with the same insurer.
- 5Consider alternative car insurance types
Hyundai Sonata owners might benefit from usage-based insurance programs. Options like Progressive Snapshot or Allstate Drivewise track safe driving habits and deliver premium reductions based on your actual driving behavior and mileage patterns.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Hyundai Sonata insurance premiums through better rates or improved coverage options.
Hyundai Sonata Insurance Cost: Bottom Line
Hyundai Sonata insurance runs average in cost, though you'll find decent rates with smart shopping. Compare quotes from multiple insurers, maximize discounts and adjust coverage options to secure your best rate.
Hyundai Sonata Insurance Rates: FAQ
What is the average cost of car insurance for a Hyundai Sonata?
Hyundai Sonata insurance costs average $1,155 annually for state minimum coverage and $2,233 for full coverage. These rates make the Sonata relatively affordable to insure compared to national averages.
What company has the cheapest car insurance for a Hyundai Sonata?
Geico provides the most affordable auto insurance for a Hyundai Sonata, offering minimum coverage at $736 annually. The company also delivers the best value for full coverage policies at $1,596 per year.
Are Hyundai Sonatas expensive to insure?
No, Hyundai Sonata insurance is not more expensive than most vehicles. Among sedans specifically, this model ranks 113th out of 199 for affordability, while placing 445th out of 827 total vehicles we track.
What factors affect insurance costs for Hyundai Sonatas?
Various elements affect your Hyundai Sonata insurance premiums. Your driving record, credit score, and coverage selections impact rates. The Sonata's repair costs, safety ratings, and theft risk also influence pricing, though personal factors remain the strongest determinants of your premium.
How can I lower Hyundai Sonata insurance costs?
Compare quotes from multiple insurers since Sonata pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle with home insurance and maintain a clean driving record to secure better rates.
How We Determined Hyundai Sonata Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Hyundai Sonata insurance costs.
Who We Based These Rates On
These Hyundai Sonata rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.