Hyundai Sonata Car Insurance Calculator

Understand how choices you make impact the cost of car insurance for a Hyundai Sonata. Customize policy discounts, trim level options, driving record, and coverage amounts to learn how each affects rates. Know immediately how the rate changes based on your selections and learn why rates increased or decreased.

The average estimated car insurance premium for a 2024 Hyundai Sonata is $2,372 per year, or about $198 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,372

Cost Per Month

$198

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Hyundai Sonata Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Hyundai Sonata.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,372
Average Rate
Your Rate
$2,372

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Hyundai Sonata.

The 'Average Rate' is a combined value for all Hyundai Sonata trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Hyundai Sonata is $2,372.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Hyundai Sonata vs. the Midsize Car Segment

The table below compares insurance rates for the 2024 Hyundai Sonata against all other models in the midsize car segment. The Hyundai Sonata is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Hyundai Sonata, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Hyundai Sonata.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Hyundai Sonata Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Kia K5$2,258-$114
2Honda Accord$2,262-$110
3Chevrolet Malibu$2,272-$100
4Volkswagen Arteon$2,302-$70
5Subaru Legacy$2,312-$60
6Hyundai Ioniq 6$2,330-$42
7Toyota Crown$2,370-$2
8Hyundai Sonata$2,372--
2024 Midsize Car Average$2,389$17
9Toyota Camry$2,516$144
10Nissan Altima$2,538$166
11Tesla Model 3$2,750$378

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Sonata Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Hyundai Sonata.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Hyundai Sonata Insurance Rates by Trim Level
2024 Hyundai Sonata Trim Level Annual Premium Cost Per Month
Hybrid Blue$2,326$194
Hybrid Limited$2,338$195
Hybrid SEL$2,348$196
SEL Plus$2,380$198
SEL$2,390$199
N Line$2,390$199
Limited$2,408$201
SE$2,428$202

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Hyundai Sonata for different driver ages.

2024 Hyundai Sonata Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,346$696
17$8,089$674
18$7,256$605
19$6,615$551
20$5,082$424
21$4,852$404
22$4,350$363
23$3,586$299
24$3,390$283
25$2,756$230
30$2,534$211
35$2,442$204
40$2,372$198
45$2,222$185
50$2,106$176
55$1,964$164
60$1,968$164
65$2,092$174
70$2,254$188
75$2,646$221
80$3,244$270

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Hyundai Sonata trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Hyundai Sonata.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Hyundai Sonata Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Hyundai Sonata$2,372$198
2023 Hyundai Sonata$2,538$212
2022 Hyundai Sonata$2,432$203
2021 Hyundai Sonata$2,400$200
2020 Hyundai Sonata$2,334$195
2019 Hyundai Sonata$2,058$172
2018 Hyundai Sonata$1,986$166
2017 Hyundai Sonata$1,920$160
2016 Hyundai Sonata$1,910$159
2015 Hyundai Sonata$1,604$134
2014 Hyundai Sonata$1,624$135
2013 Hyundai Sonata$1,512$126

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Hyundai Sonata trim levels for each model year.