Hyundai Genesis Insurance Rates and Comparisons for 2025

How much does Hyundai Genesis insurance cost? We analyzed rates from the base Genesis 3.8 Sedan to the 3.8 Ultimate Coupe model to find out how insurance costs measure up to the midsize luxury car market.

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  • The average Hyundai Genesis insurance cost is $2,130 per year, or $178 per month for full coverage.
  • With an insurance cost range of $300, the cheapest Genesis trim level to insure is the 3.8 Coupe at around $2,012 per year, and the most expensive trim being the 5 Sedan at $2,312 annually.
  • Ranked 24th out of 53 midsize luxury cars for the 2016 model year, insurance cost for the Hyundai Genesis costs $97 less per year than the average cost for the segment.

How much does Hyundai Genesis car insurance cost?

Hyundai Genesis car insurance costs an average of $2,130 yearly for full coverage. Comprehensive coverage will cost an estimated $498 a year, liability/medical is about $780, and the remaining collision coverage will cost around $852.

The next chart demonstrates how Hyundai Genesis car insurance cost fluctuates based on the age of the rated driver and insurance policy deductibles. The cost estimates range from the lowest price of $1,528 per year for a 60-year-old driver with high policy deductibles to the highest price of $4,910 each year for a driver age 20 with a deductible of $250.

Average 2016 Hyundai Genesis car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2016 Hyundai Genesis car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2016 model year Hyundai Genesis. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2016 Hyundai Genesis Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,690$308
$500$4,284$357
$250$4,910$409
30-Year-Old$1,000$1,930$161
$500$2,264$189
$250$2,612$218
40-Year-Old$1,000$1,822$152
$500$2,130$178
$250$2,448$204
50-Year-Old$1,000$1,632$136
$500$1,898$158
$250$2,174$181
60-Year-Old$1,000$1,528$127
$500$1,774$148
$250$2,034$170

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2016 Hyundai Genesis. Updated June 27, 2025

The data table below breaks down average full coverage insurance policy costs for a Hyundai Genesis for the 2013-2016 model years and different driver age groups.

Hyundai Genesis Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2016 Hyundai Genesis$4,284$2,130$1,774
2015 Hyundai Genesis$4,090$2,030$1,698
2014 Hyundai Genesis$3,992$1,988$1,672
2013 Hyundai Genesis$3,604$1,806$1,512

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 Genesis trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2013 to 2016 Hyundai Genesis models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2016 Hyundai Genesis models for drivers age 20, 40 and 60

The table below shows the average Hyundai Genesis insurance rates for annual and semi-annual policy terms, in addition to a monthly amount for budgeting, for each trim level.

2016 Hyundai Genesis Insurance Rates by Trim Level
2016 Hyundai Genesis Trim Level Annual Premium Cost Per Month
3.8 Coupe$2,012$168
3.8 R-Spec Coupe$2,028$169
3.8 Sedan$2,120$177
3.8 Ultimate Coupe$2,140$178
3.8 AWD Sedan$2,168$181
5 Sedan$2,312$193

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

Insurance cost by trim level for a 2016 Hyundai Genesis ranging from the 3.8 Coupe model at $2,012 per year to the 5 Sedan model at $2,312
Insurance cost by trim level for a 2016 Hyundai Genesis ranging from the 3.8 Coupe model at $2,012 per year to the 5 Sedan model at $2,312

Is Hyundai Genesis insurance expensive?

When insurance prices are compared to other midsize luxury car models, car insurance rates for a Hyundai Genesis cost $512 more per year than the Lexus ES 350, $14 less than the Infiniti Q50, and $216 more than the Lincoln MKZ.

The Hyundai Genesis ranks 24th out of 53 total comparison vehicles in the midsize luxury car class for auto insurance affordability. The Genesis costs an estimated $2,130 per year for a full coverage policy, while the class average insurance cost is $2,227 annually, a difference of $97 per year.

The following chart shows how well average Hyundai Genesis car insurance rates fare against the most popular midsize luxury cars like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S. A more comprehensive data table is included following the chart that breaks down average car insurance policy pricing for all 53 models in the midsize luxury car class.

Average 2016 Hyundai Genesis car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2016 Hyundai Genesis car insurance premium compared to other midsize luxury car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2016 model year Hyundai Genesis. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Hyundai Genesis trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Hyundai Genesis Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$512
2Acura ILX$1,686-$444
3Lexus IS 300$1,792-$338
4Volvo S80$1,834-$296
5Mercedes-Benz C350E$1,842-$288
6Lexus RC 300$1,856-$274
7Audi A3$1,888-$242
8Mercedes-Benz AMG CLA45$1,910-$220
9Lincoln MKZ$1,914-$216
10Lexus ES 300H$1,924-$206
11Audi A6$1,936-$194
12Mercedes-Benz CLA250$1,982-$148
13BMW 528i$2,020-$110
14Lexus GS 350$2,036-$94
15Mercedes-Benz E350$2,062-$68
16Audi S4$2,064-$66
17Mercedes-Benz SLK55 AMG$2,068-$62
18BMW 428xi$2,072-$58
19Jaguar XF$2,084-$46
20Cadillac ELR$2,090-$40
21Mercedes-Benz C450 AMG$2,100-$30
22BMW 428i$2,106-$24
23Audi S5$2,116-$14
24Hyundai Genesis$2,130--
25BMW 528xi$2,138$8
26Infiniti Q50$2,144$14
27BMW 535xi$2,150$20
28BMW 435xi$2,174$44
29Mercedes-Benz E250$2,192$62
30Mercedes-Benz SL400$2,210$80
31BMW Active 5$2,218$88
32BMW 435i$2,224$94
33BMW 535d$2,250$120
34Mercedes-Benz E400$2,300$170
35BMW 535i$2,308$178
36Mercedes-Benz E550$2,320$190
37Audi S6$2,358$228
38BMW 550i$2,362$232
39Mercedes-Benz CLS400$2,436$306
40BMW 550xi$2,452$322
41Mercedes-Benz SL550$2,456$326
42BMW 640i$2,490$360
43Audi A7$2,504$374
44BMW 640xi$2,510$380
45BMW M5$2,518$388
46Audi S7$2,522$392
47Tesla Model S$2,590$460
48Mercedes-Benz S550E$2,594$464
49BMW 650xi$2,610$480
50Lexus GS F$2,622$492
51BMW M6$2,796$666
52Mercedes-Benz SL63 AMG$2,876$746
53Mercedes-Benz SL65 AMG$3,584$1,454

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 2016 model year. Updated June 26, 2025