Hyundai Sonata insurance costs average $96 monthly for minimum coverage and $186 per month for full coverage. But, depending on your particular trim and model year, costs can range from $60 to $395 for Hyundai Sonata monthly.
Hyundai Sonata Insurance Cost
Updated: September 24, 2025
Key Takeaways
Hyundai Sonata insurance costs range from $89 to $395 monthly, with your specific rate depending on which trim level and model year you choose.
The Sonata ranks 445th out of 827 vehicle models for insurance affordability in the U.S. market, placing it in the middle tier for costs.
GEICO offers the most affordable Hyundai Sonata coverage with rates starting at $133 monthly for full coverage and $61 for minimum coverage policies.
How Much Is Hyundai Sonata Insurance?
| Hyundai Sonata | $96 | $186 |
Hyundai Sonata Insurance Cost by Model Year
Your Hyundai Sonata's model year and available trims directly affect your insurance rates. Newer models cost more to insure due to higher replacement values. Monthly premiums range from $66 for older Sonatas to $333 for the newest models, showing how model year impacts your insurance budget.
| 2025 | $171 | $332 |
| 2024 | $172 | $333 |
| 2023 | $122 | $238 |
| 2022 | $117 | $226 |
| 2021 | $106 | $206 |
| 2020 | $95 | $185 |
| 2019 | $75 | $146 |
| 2018 | $66 | $127 |
| 2017 | $83 | $161 |
| 2016 | $88 | $170 |
| 2015 | $100 | $193 |
| 2014 | $99 | $191 |
| 2013 | $96 | $184 |
| 2012 | $86 | $166 |
| 2011 | $82 | $158 |
| 2010 | $81 | $156 |
| 2009 | $70 | $135 |
| 2008 | $73 | $140 |
| 2007 | $84 | $161 |
| 2006 | $77 | $147 |
| 2005 | $84 | $162 |
| 2004 | $104 | $200 |
| 2003 | $97 | $186 |
| 2002 | $83 | $159 |
| 2001 | $75 | $145 |
| 2000 | $72 | $139 |
Hyundai Sonata Insurance Cost by Trim
Your Hyundai Sonata's trim affects insurance costs based on its features, market value and replacement expense. Higher-end models with advanced technology and luxury features cost more to insure than base trims. Monthly premiums range from $62 to $387 across all Sonata variants.
| 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 |
Compare Personalized Hyundai Sonata Insurance Costs
We broke down Hyundai Sonata insurance costs by model year and trim for accurate, personalized estimates.
Data filtered by:Results filtered by:
Select
Model Year:2021
Select
Trim:Sel Sedan 4d
| Sel Sedan 4d | $103 | $200 |
Hyundai Sonata Insurance Cost by Company
Hyundai Sonata insurance costs vary by provider from $97 to $236 monthly. Minimum coverage ranges from $61 to $153, while full coverage costs $133 to $338. Rates vary due to different risk assessment models.
| AAA | $103 | $212 |
| AIG | $135 | $338 |
| Allstate | $122 | $236 |
| Amica | $116 | $238 |
| Chubb | $130 | $256 |
| Farmers | $138 | $243 |
| GEICO | $61 | $133 |
| Kemper | $96 | $192 |
| Nationwide | $114 | $196 |
| Progressive | $99 | $186 |
| State Farm | $92 | $192 |
| The Hartford | $94 | $161 |
| Travelers | $92 | $169 |
| UAIC | $153 | $191 |
Hyundai Sonata Insurance Cost by State
Car insurance for a Hyundai Sonata varies by location, from $33 monthly in Wyoming to $401 in Louisiana. .
| 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 Insurance Cost by Driver Profile
Your age and driving record heavily influence Hyundai Sonata insurance costs. Young drivers under 25 with clean records pay around $358 monthly, while adult drivers between 26-64 without violations pay just $141 monthly for the same coverage.
| Adult Drivers | $96 | $186 |
| Young Drivers | $246 | $471 |
| Senior Drivers | $128 | $236 |
| Drivers With a Speeding Ticket | $120 | $234 |
| Drivers With an Accident | $141 | $272 |
| Drivers With a DUI | $176 | $336 |
| Drivers With Bad Credit | $229 | $460 |
Is a Hyundai Sonata Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Hyundai Sonata ranks 445thout of 827, making it one of the more expensive cars to insure. Among midsize sedans, the model ranks as the seventh most expensive out of similar vehicles.
| Saturn S-Series | $47 | $90 |
| Dodge Stratus | $52 | $100 |
| Saab 9-5 | $53 | $103 |
| Saturn L-Series | $56 | $107 |
| Pontiac Grand Am | $59 | $113 |
| Mercury Milan | $62 | $118 |
| Mercury Sable | $64 | $122 |
| Suzuki Verona | $68 | $130 |
| Chrysler Sebring | $68 | $130 |
| Saab 9-3 | $68 | $131 |
| Mercury Montego | $71 | $137 |
| Pontiac Grand Prix | $73 | $140 |
| Pontiac G6 | $75 | $144 |
| Mitsubishi Galant | $76 | $146 |
| Chevrolet Malibu | $78 | $151 |
| Ford Fusion | $80 | $155 |
| Nissan Altima | $80 | $155 |
| Volkswagen CC | $81 | $156 |
| Nissan Maxima | $82 | $159 |
| Volkswagen Passat | $83 | $159 |
| Hyundai Azera | $84 | $162 |
| Honda Clarity | $85 | $164 |
| Dodge Magnum | $85 | $164 |
| Subaru Legacy | $85 | $165 |
| Honda Accord | $86 | $166 |
| Chrysler 200 | $86 | $166 |
| Mazda 6 | $86 | $167 |
| Dodge Avenger | $87 | $168 |
| Kia Optima | $89 | $172 |
| Toyota Camry | $90 | $175 |
| Hyundai Sonata | $96 | $186 |
| Hyundai Ioniq 6 | $96 | $187 |
| Kia K5 | $99 | $193 |
| Toyota Crown | $108 | $210 |
| Kia Stinger | $121 | $235 |
| Toyota Mirai | $140 | $273 |
| Lucid Air | $160 | $314 |
Factors That Affect Hyundai Car Insurance Costs
Multiple factors affect your Hyundai Sonata insurance costs:
- Age (mature commuter median): Middle-aged drivers typically receive better rates than younger, less experienced drivers.
- Gender (balanced sedan appeal): Midsize sedans attract both male and female drivers seeking practical, efficient transportation.
- Income (value-focused buyers): Sonata appeals to cost-conscious buyers who prioritize reliability and fuel efficiency over luxury features.
Average Repair or Replacement Costs
Hyundai ranks fourth in repair affordability among 59 U.S. automakers with median annual costs of $587. Hyundai Sonata repair costs average $677 annually, making it a more affordable Hyundai model to repair.
Vehicle Trim, Features and Accessories
The Sonata offers four trim levels (SEL, N Line, SEL Hybrid, Limited Hybrid) with engines ranging from 191 horsepower (base 2.5L) to 290 horsepower (N Line turbo).
Higher trims with panoramic curved displays, leather seating and advanced driver assistance increase replacement values and premiums.
Fuel Type
Sonata runs on regular gasoline with impressive fuel economy ranging from 25-36 MPG (base engine) up to 47 MPG combined on hybrid models.
Excellent efficiency ratings and mainstream fuel requirements help reduce overall operating costs.
Location
Sonata insurance rates change by location due to regional theft patterns, traffic density and state regulations. It has a moderate theft risk in urban areas but benefits from Hyundai's nationwide dealer network.
Driver Profile
Most Hyundai Sonata owners are practical midsize sedan buyers and fuel-conscious commuters attracted to the combination of reliability, fuel efficiency and value.
Driver demographics affect Hyundai Sonata rates:
Cheapest Hyundai Sonata Insurance Companies
GEICO offers the most affordable Sonata car insurance with full coverage premiums averaging $133 monthly. GEICO remains the cheapest option for drivers looking for minimum coverage at $61 per month.
| GEICO | $61 | $133 |
| The Hartford | $94 | $161 |
| Travelers | $92 | $169 |
| State Farm | $92 | $192 |
| Progressive | $99 | $186 |
Cheapest Hyundai Sonata Insurance by State
We found that these are the top three most affordable car insurance providers for a Hyundai Sonata:
- GEICO: Offers the cheapest rates in 22 states
- Auto-Owners: Provides the most affordable coverage in six states
- State Farm: Wins for affordability in five states
You can filter below to see which company offers the most affordable auto insurance rates for your Hyundai Sonata.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $43 |
How to Get the Best Cheap Hyundai Sonata Insurance
Below we break down the best way to buy car insurance for your Hyundai Sonata:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Hyundai's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then it can be easier to look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Hyundai Sonata, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Sonata owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Sonata owners typically fall within the $50,000-$149,999 income range, often indicating multiple-vehicle households that qualify for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With sedan buyers showing 55% homeownership rates and Sonata owners gravitating toward value-conscious purchases, you can bundle auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Sonata owners' mature demographic profile (average age 38) and preference for reliable transportation results in clean driving records that qualify them for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The 2025 Sonata earned IIHS Top Safety Pick+ honors (built after November 2024) and includes comprehensive SmartSense features like Forward Collision-Avoidance Assist with pedestrian detection, Blind-Spot Collision-Avoidance Assist, and Lane Keeping Assist. These advanced safety systems help you qualify for safety discounts with most insurers.
- Hybrid/Fuel-Efficient Vehicle Discount (5% to 10% savings): The Sonata Hybrid's impressive 50+ MPG fuel economy qualifies for eco-friendly vehicle discounts, though availability varies by insurer and state.
- 5
Consider alternative car insurance types
Hyundai Sonata owners should consider usage-based insurance or programs like Travelers Intellidrive that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Hyundai Sonata insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Hyundai Sonata Insurance Cost: Bottom Line
Insuring a Hyundai Sonata costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Hyundai Sonata Insurance Rates: FAQ
Here are answers to common questions about insuring a Hyundai Sonata.
What is the average cost of car insurance for a Hyundai Sonata?
The Hyundai Sonata's average annual insurance cost is $1,155 for minimum coverage and $2,233 for full coverage.
What company has the cheapest car insurance for a Hyundai Sonata?
GEICO offers the most affordable Sonata car insurance with full coverage premiums averaging $133 monthly. For drivers who need only minimum coverage, GEICO remains the cheapest option at $61 per month.
Are Hyundai Sonatas expensive to insure?
Yes, Hyundai Sonata insurance costs more than most cars. Out of 827 vehicles we track, the Sonata ranks 445th for affordability. Among midsize sedans, it's the seventh most expensive model to insure.
What factors affect insurance costs for Hyundai Sonatas?
Several things drive up your Hyundai Sonata rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft can affect rates because of Hyundai's high theft rates.
How can I lower Hyundai Sonata insurance costs?
Shop around with multiple insurers as rates vary for Hyundais, and consider usage-based insurance programs that track your driving habits. Take advantage of safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Hyundai Sonata Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Hyundai Sonata insurance costs.
Who We Based These Rates On
These Hyundai Sonata prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.