- Drivers can expect to pay on average around $3,076 per year, $1,538 for a 6-month policy, or about $256 per month for full coverage insurance on a Genesis G90, depending on the trim level.
- The cheapest model of Genesis G90 to insure is the 3.5T at around $2,996 per year, or about $250 per month.
- When compared to the entire 2024 large luxury car segment, the G90 ranks very well at third out of 24 total comparison vehicles.
How much does Genesis G90 car insurance cost?
Genesis G90 car insurance averages around $3,076 a year for full coverage, or around $256 a month. Drivers can expect to pay around $672 less each year for Genesis G90 insurance when compared to the average rate for all large luxury cars, and $855 more per year than the $2,221 all-vehicle national average.
The chart below displays average 2024 Genesis G90 car insurance rates using variations of risk profiles and driver ages.
The table below shows the average cost to insure the 2017 through 2024 model years for full coverage. Rates are shown for both annual and semi-annual policy terms, plus a monthly dollar amount that can be used for bugeting purposes.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Genesis G90 | $3,076 | $256 |
| 2023 Genesis G90 | $3,016 | $251 |
| 2022 Genesis G90 | $2,928 | $244 |
| 2021 Genesis G90 | $3,046 | $254 |
| 2020 Genesis G90 | $2,950 | $246 |
| 2019 Genesis G90 | $2,744 | $229 |
| 2018 Genesis G90 | $2,700 | $225 |
| 2017 Genesis G90 | $2,566 | $214 |
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 Genesis G90 trim levels for each model year. Updated June 26, 2025
Some other noteworthy rates and possible discounts pertaining to G90 auto insurance include:
- Car insurance is cheaper with higher deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $554 per year for a 40-year-old driver and $1,100 per year for a 20-year-old driver.
- Low deductibles increase auto insurance cost. Dropping your physical damage deductibles from $500 to $250 could cost an additional $584 per year for a 40-year-old driver and $1,170 per year for a 20-year-old driver.
- Policy discounts save money. Discounts may be available if the insureds are loyal customers, insure multiple vehicles on the same policy, drive a vehicle with safety or anti-theft features, drive low annual mileage, are senior citizens, or many other policy discounts which could save the average driver as much as $520 per year.
- High-risk drivers pay a lot more for insurance. For a 20-year-old driver, having to buy a high-risk policy due to excessive accidents and/or violations could raise rates by $4,832 or more per year.
- Teenage drivers are expensive to insure. Average rates for full coverage G90 insurance costs $10,711 per year for a 16-year-old driver, $10,481 per year for a 17-year-old driver, and $9,593 per year for an 18-year-old driver.
- Obey driving laws to save money. To get the cheapest G90 insurance rates, don’t be an idiot behind the wheel. In fact, just a couple traffic tickets can raise the price of a policy by as much as $808 per year.
- Save money due to your profession. The vast majority of auto insurance providers offer policy discounts for being employed in professions like doctors, nurses, scientists, members of the military, architects, and other occupations. Qualifying for an occupational discount may save between $92 and $228 on your annual premium, depending on the level of coverage purchased.
What is the cheapest G90 to insure?
The cheapest Genesis G90 insurance can be found on the base 3.5T trim (MSRP of $89,775) costing $2,996 per year and the 3.5T E-Supercharged trim (MSRP of $100,075) costing an average of $3,156.
The $100,075 3.5T E-Supercharged trim is the most expensive to insure, costing an average of $160 more per year than the cheapest 3.5T model.
The next table displays average car insurance rates for each available package and trim level for the 2024 Genesis G90.
| 2024 Genesis G90 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 3.5T | $2,996 | $250 |
| 3.5T E-Supercharged | $3,156 | $263 |
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. Updated June 26, 2025
How does G90 insurance rank for affordability?
The Genesis G90 ranks third out of 24 total vehicles in the 2024 large luxury car segment for insurance affordability. The G90 costs an average of $3,076 per year for insurance and the class median rate is $3,748 per year, a difference of $672 per year.
When G90 insurance rates are compared to other popular large luxury cars, insurance for a Genesis G90 costs $294 more per year than the Audi A5, $46 less than the Mercedes-Benz EQS 450, $718 less than the BMW 740i, and $802 less than the Audi S8.
The table below shows how average G90 auto insurance rates compare to all 24 vehicles in the full-size luxury sedan class.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Audi A5 | $2,782 | -$294 |
| 2 | Volvo S90 | $2,870 | -$206 |
| 3 | Genesis G90 | $3,076 | -- |
| 4 | Mercedes-Benz AMG E53 | $3,088 | $12 |
| 5 | Mercedes-Benz EQS 450 | $3,122 | $46 |
| 6 | Lexus LS 500 | $3,220 | $144 |
| 7 | Lexus LS 500h | $3,262 | $186 |
| 8 | BMW 840i | $3,354 | $278 |
| 9 | BMW i7 | $3,402 | $326 |
| 10 | Audi RS 7 | $3,524 | $448 |
| 11 | BMW M850i | $3,780 | $704 |
| 12 | BMW 740i | $3,794 | $718 |
| 13 | BMW 750e | $3,806 | $730 |
| 14 | Mercedes-Benz AMG GT43 | $3,832 | $756 |
| 15 | Audi S8 | $3,878 | $802 |
| 16 | Mercedes-Benz S500 | $3,972 | $896 |
| 17 | Audi A8 | $3,982 | $906 |
| 18 | BMW 760i | $4,008 | $932 |
| 19 | Mercedes-Benz S580 | $4,162 | $1,086 |
| 20 | Mercedes-Benz EQS 580 | $4,230 | $1,154 |
| 21 | Mercedes-Benz Maybach S580 | $4,598 | $1,522 |
| 22 | Mercedes-Benz AMG EQS | $4,642 | $1,566 |
| 23 | Porsche Panamera | $4,666 | $1,590 |
| 24 | Mercedes-Benz Maybach S680 | $4,906 | $1,830 |
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 vehicle from the 2024 model year. Updated June 27, 2025
