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
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.
GEICO charges $61 a month for Hyundai Sonata minimum coverage; UAIC charges $153. Full coverage is $133 with GEICO and $338 with AIG. There's a $92 gap on minimum coverage and a $205 gap on full coverage, so get at least three quotes to find your lowest rate.
| 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?
The Hyundai Sonata ranks 113th for affordability among 200 sedans in MoneyGeek's database. It costs a few dollars more a month than a Lexus LS and a few dollars less than a Cadillac CTS.
Across all 827 models in the database, the Sonata ranks 445th, so it's in the more expensive half overall. The Saturn S-Series is the cheapest sedan to insure, and the Cadillac CTS-V is the most expensive.
| 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 costs. The Hyundai Sonata averages $677 a year in repair costs, 7th lowest among Hyundai's 20 models. That below-midpoint figure for a mid-size sedan helps hold premiums in check.
- Trim, features and accessories. The Sonata's power output ranges from 191 to 290 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Sonata drivers tend to fall between ages 30 and 50, with a median around 40, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. 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.
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
These steps cut Hyundai Sonata insurance costs without trading away the coverage you need.
- 1Choose the right coverage
Coverage needs depend on how you own the Sonata. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance. If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for mid-size sedans give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for Sonata drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum discussions on claims processing surface problems that don't appear in formal ratings. Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Hyundai Sonata owners commonly qualify for safety feature discounts, good driver credits, multi-vehicle savings and bundling discounts when combining auto and home policies. Our full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Sonata drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
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?
Driving record, credit score and coverage level are the primary variables. On the vehicle side, the Sonata's $677 average annual repair cost is seventh lowest among Hyundai's 20 models. Safety ratings and theft risk move the final figure from there.
How can I lower Hyundai Sonata insurance costs?
Start with quotes from at least three insurers because there's a $205 full coverage difference among providers. Stack every discount you qualify for: good driver, multi-vehicle and bundling home and auto are the highest-value options.
Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Hyundai Sonata Insurance Costs
Hyundai Sonata cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.