- Drivers can expect to pay on average around $2,394 per year, $1,197 for a 6-month policy, or about $200 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 AWD at around $2,214 per year, or about $185 per month.
- When compared to the entire 2023 large luxury car segment, the G90 ranks very well at fifth out of 26 total comparison vehicles.
How much does Genesis G90 car insurance cost?
Genesis G90 car insurance averages around $2,394 a year for full coverage, or around $200 a month. Drivers can expect to pay around $403 less each year for Genesis G90 insurance when compared to the average rate for all large luxury cars, and $666 more per year than the $1,728 all-vehicle national average.
The chart below displays average 2023 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 2023 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 Rate | 6-month Rate | Monthly Rate |
|---|---|---|---|
| 2023 Genesis G90 | $2,394 | $1,197 | $200 |
| 2022 Genesis G90 | $2,318 | $1,159 | $193 |
| 2021 Genesis G90 | $2,410 | $1,205 | $201 |
| 2020 Genesis G90 | $2,376 | $1,188 | $198 |
| 2019 Genesis G90 | $2,216 | $1,108 | $185 |
| 2018 Genesis G90 | $2,220 | $1,110 | $185 |
| 2017 Genesis G90 | $2,112 | $1,056 | $176 |
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 $420 per year for a 40-year-old driver and $830 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 $440 per year for a 40-year-old driver and $876 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 $408 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 $3,720 or more per year.
- Teenage drivers are expensive to insure. Average rates for full coverage G90 insurance costs $8,356 per year for a 16-year-old driver, $7,898 per year for a 17-year-old driver, and $7,412 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 $626 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 $72 and $183 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 AWD trim (MSRP of $88,400) costing $2,214 per year and the 3.5T E-Supercharged AWD trim (MSRP of $98,700) costing an average of $2,574.
The $98,700 3.5T E-Supercharged AWD trim is the most expensive to insure, costing an average of $360 more per year than the cheapest 3.5T AWD model.
The next table displays average car insurance rates for each available package and trim level for the 2023 Genesis G90.
| Genesis G90 Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| 3.5T AWD | $2,214 | $1,107 | $185 |
| 3.5T E-Supercharged AWD | $2,574 | $1,287 | $215 |
How does G90 insurance rank for affordability?
The Genesis G90 ranks fifth out of 26 total vehicles in the 2023 large luxury car segment for insurance affordability. The G90 costs an average of $2,394 per year for insurance and the class median rate is $2,797 per year, a difference of $403 per year.
When G90 insurance rates are compared to other popular large luxury cars, insurance for a Genesis G90 costs $364 more per year than the Audi A5, $478 less than the BMW 740i, $628 less than the Porsche Panamera, and $260 less than the Infiniti Q60.
The table below shows how average G90 auto insurance rates compare to all 26 vehicles in the full-size luxury sedan class.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Audi A5 | $2,030 | -$364 |
| 2 | Volvo S90 | $2,290 | -$104 |
| 3 | Lexus LS 500 | $2,366 | -$28 |
| 4 | Mercedes-Benz AMG E53 | $2,378 | -$16 |
| 5 | Genesis G90 | $2,394 | -- |
| 6 | BMW i7 | $2,410 | $16 |
| 7 | Mercedes-Benz AMG GT43 | $2,432 | $38 |
| 8 | Lexus LS 500h | $2,512 | $118 |
| 9 | BMW 840i | $2,582 | $188 |
| 10 | Mercedes-Benz EQS 450 | $2,640 | $246 |
| 11 | Infiniti Q60 | $2,654 | $260 |
| 12 | Mercedes-Benz S500 | $2,666 | $272 |
| 13 | Audi RS 7 | $2,726 | $332 |
| 14 | Mercedes-Benz EQS 580 | $2,736 | $342 |
| 15 | BMW 740i | $2,872 | $478 |
| 16 | BMW M850i | $2,908 | $514 |
| 17 | Mercedes-Benz AMG EQS | $2,928 | $534 |
| 18 | Audi A8 | $2,964 | $570 |
| 19 | Audi S8 | $2,982 | $588 |
| 20 | Porsche Panamera | $3,022 | $628 |
| 21 | BMW 760i | $3,056 | $662 |
| 22 | Mercedes-Benz S580 | $3,126 | $732 |
| 23 | BMW Alpina B8 | $3,320 | $926 |
| 24 | BMW M760i | $3,426 | $1,032 |
| 25 | Mercedes-Benz Maybach S580 | $3,530 | $1,136 |
| 26 | Mercedes-Benz Maybach S680 | $3,764 | $1,370 |
