2021 Hyundai Sonata Car Insurance Calculator

Watch in real-time how life choices impact the cost of insurance for a 2021 Hyundai Sonata. Adjust factors such as your location, homeowner status, credit score, and policy coverages. Get instant feedback if the change you make has positive or negative consequenses.

The average estimated car insurance premium for a 2021 Hyundai Sonata is $2,400 per year, or about $200 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

$2,400

Cost Per Month

$200

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 2021 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.

$2,400
Average Rate
Your Rate
$2,400

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.

The 'Average Rate' is a combined value for all 2021 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 2021 Hyundai Sonata is $2,400.

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.

2021 Hyundai Sonata vs. the Midsize Car Segment

The table below compares insurance rates for the 2021 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.

2021 Hyundai Sonata Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Insight$1,934-$466
2Mazda 6$1,970-$430
3Chevrolet Malibu$1,996-$404
4Toyota Camry$2,114-$286
5Subaru Legacy$2,124-$276
6Volkswagen Passat$2,132-$268
7Honda Accord$2,134-$266
8Nissan Altima$2,146-$254
2021 Midsize Car Average$2,171-$229
9Kia K5$2,178-$222
10Volkswagen Arteon$2,310-$90
11Tesla Model 3$2,360-$40
12Hyundai Sonata$2,400--
13Kia Stinger$2,428$28

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.

2021 Sonata Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Hyundai Sonata Insurance Rates by Trim Level
2021 Hyundai Sonata Trim Level Annual Premium Cost Per Month
SE Sedan$2,270$189
SEL Sedan$2,336$195
SEL Convenience 2 Sedan$2,382$199
SEL Convenience Sedan$2,382$199
SEL Plus Sedan$2,382$199
SEL Premium Plus Sedan$2,400$200
SEL Premium Sedan$2,400$200
SEL Plus Tech Sedan$2,464$205
SEL Premium w/Navi Sedan$2,464$205
Limited Sedan$2,528$211

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 2021 Hyundai Sonata for different driver ages.

2021 Hyundai Sonata Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,786$732
17$8,444$704
18$7,443$620
19$6,822$569
20$5,192$433
21$4,947$412
22$4,407$367
23$3,655$305
24$3,438$287
25$2,784$232
30$2,550$213
35$2,472$206
40$2,400$200
45$2,256$188
50$2,142$179
55$1,996$166
60$2,002$167
65$2,136$178
70$2,336$195
75$2,782$232
80$3,440$287

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.