2023 Hyundai Sonata Car Insurance Calculator

Learn how changes to different risk factors impact the insurance cost for a 2023 Hyundai Sonata. Experiment with rate factors like gender of the driver, whether you're married or single, and the state and city you live in to see how insurance rates are affected. Instantly discover whether your choice results in cheaper or more expensive rates.

The average estimated car insurance premium for a 2023 Hyundai Sonata is $2,538 per year, or about $212 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

$2,538

Cost Per Month

$212

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 2023 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.

$2,538
Average Rate
Your Rate
$2,538

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 2023 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 2023 Hyundai Sonata is $2,538.

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.

2023 Hyundai Sonata vs. the Midsize Car Segment

The table below compares insurance rates for the 2023 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.

2023 Hyundai Sonata Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Legacy$2,098-$440
2Toyota Camry$2,164-$374
3Kia K5$2,196-$342
4Chevrolet Malibu$2,212-$326
5Honda Accord$2,304-$234
6Toyota Crown$2,314-$224
2023 Midsize Car Average$2,323-$215
7Tesla Model 3$2,332-$206
8Volkswagen Arteon$2,390-$148
9Nissan Altima$2,428-$110
10Hyundai Sonata$2,538--
11Kia Stinger$2,582$44

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.

2023 Sonata Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Hyundai Sonata Insurance Rates by Trim Level
2023 Hyundai Sonata Trim Level Annual Premium Cost Per Month
SE$2,322$194
SEL$2,412$201
Hybrid Blue$2,512$209
SEL Plus$2,538$212
N Line$2,588$216
Hybrid SEL$2,594$216
Limited$2,602$217
Hybrid Limited$2,722$227

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 2023 Hyundai Sonata for different driver ages.

2023 Hyundai Sonata Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,110$759
17$8,787$732
18$7,807$651
19$7,138$595
20$5,451$454
21$5,203$434
22$4,651$388
23$3,850$321
24$3,626$302
25$2,944$245
30$2,700$225
35$2,608$217
40$2,538$212
45$2,376$198
50$2,256$188
55$2,104$175
60$2,110$176
65$2,244$187
70$2,440$203
75$2,886$241
80$3,556$296

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.