Hyundai Sonata Car Insurance Cost for 2023

Are car insurance rates for a Hyundai Sonata affordable?

From the SE trim level up to the more costly Hybrid Limited trim, we investigated insurance rates for the Sonata to see how the average cost measures up to the rest of the midsize car segment.

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How much does Hyundai Sonata insurance cost?

The average car insurance cost for a Hyundai Sonata is $1,966 a year for full coverage, or around $164 each month. With the average midsize car costing $1,800 a year to insure, the Hyundai Sonata could cost around $166 more to insure on an annual basis.

The following chart demonstrates how average 2023 Hyundai Sonata car insurance rates change with changes in driver age and insurance policy deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2023 Hyundai Sonata with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Hyundai Sonata trim levels.Data last updated on May 5, 2023
Hyundai Sonata Car Insurance Rates
2023 Hyundai Sonata Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,336$278
$500$3,900$325
$250$4,494$375
30$1,000$1,746$146
$500$2,066$172
$250$2,396$200
40$1,000$1,674$140
$500$1,966$164
$250$2,270$189
50$1,000$1,532$128
$500$1,792$149
$250$2,066$172
60$1,000$1,502$125
$500$1,758$147
$250$2,026$169

To better illustrate how variable car insurance rates can be, think about the fact that a Sonata insurance policy with only liability coverage in some parts of Indiana or Illinois can be as low as $225 a year, while a teenager with an accident and a violation in some areas in Pennsylvania could get an insurance bill for $15,130 a year for full coverage.

Is Hyundai Sonata car insurance expensive?

The Hyundai Sonata ranks 10th out of 11 total comparison vehicles in the 2023 midsize car segment. The Sonata costs an average of $1,966 per year to insure, while the class average rate is $1,800 annually, a difference of $166 per year.

When compared directly to other midsize cars, insurance for a Hyundai Sonata costs $288 more per year than the Toyota Camry, $184 more than the Honda Accord, $84 more than the Nissan Altima, and $162 more than the Tesla Model 3.

The chart below shows how car insurance rates for a 2023 Sonata compare to the rest of the top 10 best-selling midsize cars. Below that, you will see an expanded table that displays insurance affordability rankings for the entire 11 vehicle midsize car segment.

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Chart Data Details: Average rates are for a 2023 model year Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Hyundai Sonata trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Hyundai Sonata vs Top 10 Midsize Cars Insurance Cost Comparison
Hyundai Sonata Insurance Cost Compared to All Midsize Cars
Rank Make/Model Insurance Cost Difference
1Subaru Legacy$1,626-$340
2Toyota Camry$1,678-$288
3Kia K5$1,702-$264
4Chevrolet Malibu$1,716-$250
5Honda Accord$1,782-$184
6Toyota Crown$1,792-$174
7Tesla Model 3$1,804-$162
8Volkswagen Arteon$1,850-$116
9Nissan Altima$1,882-$84
10Hyundai Sonata$1,966--
11Kia Stinger$1,998$32

What is the cheapest Hyundai Sonata insurance?

With Hyundai Sonata insurance rates ranging from $1,800 to $2,112 per year on average, the cheapest trim to insure is the SE. The second cheapest trim level to insure is the SEL at $1,870 per year. On average, plan on paying at least $150 per month for Sonata insurance.

The highest cost trim levels of Hyundai Sonata to insure are the Hybrid Limited at $2,112 and the Limited at $2,016 per year. Those will cost an extra $312 and $216 per year, respectively, over the cheapest SE model.

The table below details the average annual, 6-month, and monthly car insurance costs for each 2023 Hyundai Sonata trim level.

2023 Hyundai Sonata Insurance Cost by Trim Level
Hyundai Sonata Trim Level Annual Policy Six-Month Policy Per Month
SE$1,800$900$150
SEL$1,870$935$156
Hybrid Blue$1,950$975$163
SEL Plus$1,968$984$164
N Line$2,004$1,002$167
Hybrid SEL$2,014$1,007$168
Limited$2,016$1,008$168
Hybrid Limited$2,112$1,056$176

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Hyundai Sonata Insurance Cost by Trim Level

Hyundai Sonata prior model year insurance rates

The following sections detail Hyundai Sonata insurance rates for every trim level for the 2013 to 2022 model years. Insurance rates for the 2023 model are detailed previously.

2022 Hyundai Sonata

Insurance rates for a 2022 Hyundai Sonata average $1,890 per year, or around $158 per month. Rates range from $1,758 per year for the Sonata SE to $2,008 for the Sonata N Line Night.

2022 Hyundai Sonata Insurance Cost by Trim Level
2022 Hyundai Sonata Trim Level Annual Rate Per Month
SE$1,758$147
SEL$1,794$150
Hybrid Blue$1,816$151
Hybrid SEL$1,834$153
SEL Plus$1,896$158
Hybrid Limited$1,916$160
Limited$1,962$164
N Line$1,996$166
N Line Night$2,008$167

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2022 Hyundai Sonata Insurance Cost by Trim Level

2021 Hyundai Sonata

Average insurance rates for a 2021 Hyundai Sonata are $1,866 per year, or around $156 per month. Rates range from $1,768 per year for the Sonata SE Sedan to $1,962 for the Sonata Limited Sedan.

2021 Hyundai Sonata Insurance Cost by Trim Level
2021 Hyundai Sonata Trim Level Annual Rate Per Month
SE Sedan$1,768$147
SEL Sedan$1,816$151
SEL Convenience 2 Sedan$1,850$154
SEL Convenience Sedan$1,850$154
SEL Plus Sedan$1,850$154
SEL Premium Plus Sedan$1,864$155
SEL Premium Sedan$1,864$155
SEL Plus Tech Sedan$1,914$160
SEL Premium w/Navi Sedan$1,914$160
Limited Sedan$1,962$164

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2021 Hyundai Sonata Insurance Cost by Trim Level

2020 Hyundai Sonata

Average insurance rates for a 2020 Hyundai Sonata are $1,844 per year, or around $154 per month. Rates range from $1,748 per year for the Sonata SE Sedan to $1,940 for the Sonata Limited Sedan.

2020 Hyundai Sonata Insurance Cost by Trim Level
2020 Hyundai Sonata Trim Level Annual Rate Per Month
SE Sedan$1,748$146
SEL Sedan$1,794$150
SEL Convenience 2 Sedan$1,828$152
SEL Convenience Sedan$1,828$152
SEL Plus Sedan$1,828$152
SEL Premium Plus Sedan$1,842$154
SEL Premium Sedan$1,842$154
SEL Plus Tech Sedan$1,892$158
SEL Premium w/Navi Sedan$1,892$158
Limited Sedan$1,940$162

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2020 Hyundai Sonata Insurance Cost by Trim Level

2019 Hyundai Sonata

Insurance rates for a 2019 Hyundai Sonata average $1,636 per year, or about $136 per month. Rates range from $1,460 per year for the Sonata Hybrid SE Sedan to $1,754 for the Sonata Hybrid Plug-in Limited Sedan.

2019 Hyundai Sonata Insurance Cost by Trim Level
2019 Hyundai Sonata Trim Level Annual Rate Per Month
Hybrid SE Sedan$1,460$122
EcoSedan$1,578$132
SE Sedan$1,578$132
SEL Sedan$1,578$132
Hybrid Limited Sedan$1,586$132
Sport Sedan$1,624$135
Limited Sedan$1,672$139
Hybrid Plug-in Sedan$1,708$142
Limited 2.0T Sedan$1,718$143
Sport 2.0T Sedan$1,718$143
Hybrid Plug-in Limited Sedan$1,754$146

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2019 Hyundai Sonata Insurance Cost by Trim Level

2018 Hyundai Sonata

2018 Hyundai Sonata insurance rates average $1,608 per year, or around $134 per month. Cost ranges from $1,500 per year for the Sonata Hybrid SE Sedan to $1,714 for the Sonata Hybrid Plug-in Limited Sedan.

2018 Hyundai Sonata Insurance Cost by Trim Level
2018 Hyundai Sonata Trim Level Annual Rate Per Month
Hybrid SE Sedan$1,500$125
EcoSedan$1,542$129
SE Sedan$1,542$129
SEL Sedan$1,542$129
Sport Sedan$1,586$132
Hybrid Limited Sedan$1,620$135
Limited Sedan$1,630$136
Sport 2.0T Sedan$1,630$136
Hybrid Plug-in Sedan$1,670$139
Limited 2.0T Sedan$1,680$140
Hybrid Plug-in Limited Sedan$1,714$143

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2018 Hyundai Sonata Insurance Cost by Trim Level

2017 Hyundai Sonata

A 2017 Hyundai Sonata averages $1,550 per year for full coverage insurance, or around $129 per month. Rates range from $1,448 per year for the Sonata Hybrid Sedan to $1,656 for the Sonata Limited 2.0T Sedan.

2017 Hyundai Sonata Insurance Cost by Trim Level
2017 Hyundai Sonata Trim Level Annual Rate Per Month
Hybrid Sedan$1,448$121
SE Sedan$1,452$121
Sedan$1,452$121
EcoSedan$1,492$124
Sport Sedan$1,492$124
Hybrid Limited Blue Pearl Sedan$1,558$130
Hybrid Limited Sedan$1,558$130
Limited Sedan$1,574$131
Sport 2.0T Sedan$1,574$131
Hybrid Plug-in Sedan$1,600$133
Hybrid Plug-in Limited Blue Pearl Sedan$1,642$137
Hybrid Plug-in Limited Sedan$1,642$137
Limited 2.0T Sedan$1,656$138

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2017 Hyundai Sonata Insurance Cost by Trim Level

2016 Hyundai Sonata

Average insurance cost for a 2016 Hyundai Sonata is $1,584 per year, or around $132 per month. Rates range from $1,416 per year for the Sonata SE Sedan to $1,752 for the Sonata Hybrid Plug-in Limited Sedan.

2016 Hyundai Sonata Insurance Cost by Trim Level
2016 Hyundai Sonata Trim Level Annual Rate Per Month
SE Sedan$1,416$118
EcoSedan$1,454$121
Sport Sedan$1,454$121
Limited Sedan$1,532$128
Sport 2.0T Sedan$1,532$128
Hybrid Sedan$1,570$131
Limited 2.0T Sedan$1,610$134
Hybrid Limited Sedan$1,674$140
Hybrid Limited Blue Pearl Sedan$1,712$143
Hybrid Plug-in Sedan$1,712$143
Hybrid Plug-in Limited Sedan$1,752$146

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2016 Hyundai Sonata Insurance Cost by Trim Level

2015 Hyundai Sonata

Insurance rates average $1,332 per year for a 2015 Hyundai Sonata, or around $111 per month. Rates range from $1,260 per year for the Sonata SE Sedan to $1,392 for the Sonata Hybrid Limited Sedan.

2015 Hyundai Sonata Insurance Cost by Trim Level
2015 Hyundai Sonata Trim Level Annual Rate Per Month
SE Sedan$1,260$105
EcoSedan$1,292$108
Sport Sedan$1,296$108
Hybrid Sedan$1,356$113
Limited Sedan$1,360$113
Sport 2.0T Sedan$1,368$114
Hybrid Limited Sedan$1,392$116

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2015 Hyundai Sonata Insurance Cost by Trim Level

2014 Hyundai Sonata

Average insurance cost for a 2014 Hyundai Sonata is $1,348 per year, or around $112 per month. Rates range from $1,256 per year for the Sonata GLS Sedan to $1,436 for the Sonata Hybrid Limited Sedan.

2014 Hyundai Sonata Insurance Cost by Trim Level
2014 Hyundai Sonata Trim Level Annual Rate Per Month
GLS Sedan$1,256$105
SE Sedan$1,324$110
Limited Sedan$1,356$113
Hybrid Sedan$1,368$114
Hybrid Limited Sedan$1,436$120

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2014 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2014 Hyundai Sonata Insurance Cost by Trim Level

2013 Hyundai Sonata

Insurance rates for a 2013 Hyundai Sonata average $1,254 per year, or about $105 per month. Rates range from $1,212 per year for the Sonata GLS Sedan to $1,304 for the Sonata Hybrid Limited Sedan.

2013 Hyundai Sonata Insurance Cost by Trim Level
2013 Hyundai Sonata Trim Level Annual Rate Per Month
GLS Sedan$1,212$101
Hybrid Sedan$1,240$103
SE Sedan$1,242$104
Limited Sedan$1,274$106
Hybrid Limited Sedan$1,304$109

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2013 Hyundai Sonata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2013 Hyundai Sonata Insurance Cost by Trim Level

Insurance rates by location

The insurance cost for a Hyundai Sonata varies significantly from cheaper amounts like $786 a year in Raleigh, NC, or $840 in Virginia Beach, VA, to more expensive rates like $1,810 a year in Miami, FL, and $2,926 in Detroit, MI.

The cost of insurance for a Hyundai Sonata in some other areas include Colorado Springs, CO, averaging $1,442 per year, Indianapolis, IN, costing $1,010, Oakland, CA, at $1,678, and Milwaukee, WI, at $1,220.

The following chart visualizes estimated Hyundai Sonata insurance policy premiums for the larger urban areas in the United States.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Hyundai Sonata, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Hyundai Sonata trim levels.Data last updated on May 5, 2023
Hyundai Sonata Insurance Rates in Large U.S. Cities
Hyundai Sonata Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,466$289
Philadelphia, PA$3,076$256
Las Vegas, NV$3,070$256
Los Angeles, CA$3,060$255
San Francisco, CA$2,652$221
Kansas City, MO$2,358$197
Oklahoma City, OK$2,358$197
Denver, CO$2,312$193
Memphis, TN$2,312$193
Atlanta, GA$2,282$190
San Jose, CA$2,216$185
Phoenix, AZ$2,160$180
Portland, OR$2,130$178
San Diego, CA$2,120$177
Boston, MA$2,112$176
Jacksonville, FL$2,110$176
Chicago, IL$2,052$171
Dallas, TX$2,018$168
Houston, TX$2,006$167
Seattle, WA$2,000$167
Nashville, TN$1,926$161
Milwaukee, WI$1,916$160
Albuquerque, NM$1,882$157
San Antonio, TX$1,824$152
Omaha, NE$1,768$147
Fort Worth, TX$1,758$147
Austin, TX$1,738$145
Indianapolis, IN$1,586$132
Columbus, OH$1,458$122
Charlotte, NC$1,392$116

Other important data observations concerning Sonata insurance costs include:

  • As you age, insurance rates get cheaper. The difference in Sonata insurance cost between a 50-year-old driver ($1,150 per year) and a 30-year-old driver ($1,294 per year) is $144, or a savings of 11.8%.
  • Your profession could save you a few bucks. The large majority of auto insurance companies offer policy discounts for earning a living in occupations like the military, emergency medical technicians, scientists, farmers, accountants, engineers, and others. By earning this discount on your policy you could save between $38 and $117 on your annual insurance bill, depending on your policy.
  • Good credit can save money. In states that do not prevent an insured’s credit rating to be used for policy pricing purposes, having excellent credit of 800+ could save $197 per year when compared to a credit score ranging from 670-739. Conversely, a weak credit score could cost as much as $228 more per year.
  • Driver gender influences rates. For a 2013 Hyundai Sonata, a 20-year-old man will pay an estimated rate of $2,486 per year, while a 20-year-old woman will pay $1,866, a difference of $620 per year. Women get significantly cheaper rates. But by age 50, the rate for men is $1,150 and the rate for women is $1,122, a difference of only $28.
  • A good driving record means cheaper insurance costs. To get the cheapest Sonata insurance rates, it pays to be a conservative driver. Just one or two minor lapses of judgment on your driving record could result in increasing policy rates by as much as $338 per year. Major infractions such as a DUI could raise rates by an additional $1,170 or more.