- Drivers can expect to pay on average $1,736 per year, $868 for a 6-month policy, or $145 per month for full coverage insurance on a Hyundai Sonata, depending on the trim level.
- When compared to other midsize cars, the 2022 Hyundai Sonata is one of the more expensive midsize cars to insure, costing $147 more per year on average.
- The model with the cheapest insurance rates is the Sonata SE trim level at $1,620 per year.
How much does Hyundai Sonata insurance cost?
Average car insurance cost for a Hyundai Sonata is $1,736 a year for full coverage, or around $145 each month. With the average midsize car costing $1,589 a year to insure, the Hyundai Sonata could cost around $147 more to insure on an annual basis.
The following chart demonstrates how average 2022 Hyundai Sonata car insurance rates change with changes in driver age and insurance policy deductibles.
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 $14,328 a year for full coverage.
Is Sonata insurance expensive?
The Hyundai Sonata ranks #12 out of 13 total comparison vehicles in the 2022 midsize car segment. The Sonata costs an average of $1,736 per year to insure, while the class average rate is $1,589 annually, a difference of $147 per year.
When compared directly to other midsize cars, insurance for a Hyundai Sonata costs $234 more per year than the Toyota Camry, $148 more than the Honda Accord, $30 more than the Nissan Altima, and $134 more than the Tesla Model 3.
The chart below shows how car insurance rates for a 2022 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 13 vehicle midsize car segment.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Subaru Legacy | $1,480 | -$256 |
| 2 | Honda Insight | $1,482 | -$254 |
| 3 | Kia K5 | $1,498 | -$238 |
| 4 | Toyota Camry | $1,502 | -$234 |
| 5 | Volkswagen Passat | $1,508 | -$228 |
| 6 | Mazda 6 | $1,518 | -$218 |
| 7 | Chevrolet Malibu | $1,584 | -$152 |
| 8 | Honda Accord | $1,588 | -$148 |
| 9 | Tesla Model 3 | $1,602 | -$134 |
| 10 | Volkswagen Arteon | $1,660 | -$76 |
| 11 | Nissan Altima | $1,706 | -$30 |
| 12 | Hyundai Sonata | $1,736 | -- |
| 13 | Kia Stinger | $1,798 | $62 |
What is the cheapest Hyundai Sonata car insurance?
With Hyundai Sonata insurance rates ranging from $1,620 to $1,854 per year on average, the cheapest trim to insure is the SE. The second cheapest trim level to insure is the SEL at $1,654 per year. On average, plan on paying at least $135 per month for Sonata insurance.
The highest cost trim levels of Hyundai Sonata to insure are the N Line Night at $1,854 and the N Line at $1,842 per year. Those will cost an extra $234 and $222 per year, respectively, over the cheapest SE model.
The table below details average annual, 6-month, and monthly car insurance costs for each 2022 Hyundai Sonata trim level.
| Hyundai Sonata Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| SE | $1,620 | $810 | $135 |
| SEL | $1,654 | $827 | $138 |
| Hybrid Blue | $1,670 | $835 | $139 |
| Hybrid SEL | $1,684 | $842 | $140 |
| SEL Plus | $1,746 | $873 | $146 |
| Hybrid Limited | $1,764 | $882 | $147 |
| Limited | $1,810 | $905 | $151 |
| N Line | $1,842 | $921 | $154 |
| N Line Night | $1,854 | $927 | $155 |
Hyundai Sonata prior model year insurance rates
The following sections detail Hyundai Sonata insurance rates for every trim level for the 2013 to 2021 model years. Insurance rates for the 2022 model are detailed previously.
How much are 2021 Sonata car insurance rates?
Average insurance rates for a 2021 Hyundai Sonata are $1,708 per year, or around $142 per month. Rates range from $1,618 per year for the Sonata SE Sedan to $1,798 for the Sonata Limited Sedan.
| 2021 Hyundai Sonata Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,618 | $135 |
| SEL Sedan | $1,662 | $139 |
| SEL Convenience 2 Sedan | $1,694 | $141 |
| SEL Convenience Sedan | $1,694 | $141 |
| SEL Plus Sedan | $1,694 | $141 |
| SEL Premium Plus Sedan | $1,708 | $142 |
| SEL Premium Sedan | $1,708 | $142 |
| SEL Plus Tech Sedan | $1,752 | $146 |
| SEL Premium w/Navi Sedan | $1,752 | $146 |
| Limited Sedan | $1,798 | $150 |
How much are 2020 Sonata car insurance rates?
Average insurance rates for a 2020 Hyundai Sonata are $1,682 per year, or around $140 per month. Rates range from $1,592 per year for the Sonata SE Sedan to $1,768 for the Sonata Limited Sedan.
| 2020 Hyundai Sonata Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,592 | $133 |
| SEL Sedan | $1,636 | $136 |
| SEL Convenience 2 Sedan | $1,666 | $139 |
| SEL Convenience Sedan | $1,666 | $139 |
| SEL Plus Sedan | $1,666 | $139 |
| SEL Premium Plus Sedan | $1,680 | $140 |
| SEL Premium Sedan | $1,680 | $140 |
| SEL Plus Tech Sedan | $1,724 | $144 |
| SEL Premium w/Navi Sedan | $1,724 | $144 |
| Limited Sedan | $1,768 | $147 |
How much does 2019 Sonata insurance cost?
Insurance rates for a 2019 Hyundai Sonata average $1,506 per year, or about $126 per month. Rates range from $1,342 per year for the Sonata Hybrid SE Sedan to $1,618 for the Sonata Hybrid Plug-in Limited Sedan.
| 2019 Hyundai Sonata Trim Level | Annual Rate | Per Month |
|---|---|---|
| Hybrid SE Sedan | $1,342 | $112 |
| EcoSedan | $1,454 | $121 |
| SE Sedan | $1,454 | $121 |
| SEL Sedan | $1,454 | $121 |
| Hybrid Limited Sedan | $1,458 | $122 |
| Sport Sedan | $1,496 | $125 |
| Limited Sedan | $1,538 | $128 |
| Hybrid Plug-in Sedan | $1,574 | $131 |
| Limited 2.0T Sedan | $1,582 | $132 |
| Sport 2.0T Sedan | $1,582 | $132 |
| Hybrid Plug-in Limited Sedan | $1,618 | $135 |
What is the average cost for 2018 Sonata insurance?
2018 Hyundai Sonata insurance rates average $1,480 per year, or around $123 per month. Cost ranges from $1,382 per year for the Sonata Hybrid SE Sedan to $1,578 for the Sonata Hybrid Plug-in Limited Sedan.
| 2018 Hyundai Sonata Trim Level | Annual Rate | Per Month |
|---|---|---|
| Hybrid SE Sedan | $1,382 | $115 |
| EcoSedan | $1,420 | $118 |
| SE Sedan | $1,420 | $118 |
| SEL Sedan | $1,420 | $118 |
| Sport Sedan | $1,462 | $122 |
| Hybrid Limited Sedan | $1,492 | $124 |
| Limited Sedan | $1,502 | $125 |
| Sport 2.0T Sedan | $1,502 | $125 |
| Hybrid Plug-in Sedan | $1,536 | $128 |
| Limited 2.0T Sedan | $1,544 | $129 |
| Hybrid Plug-in Limited Sedan | $1,578 | $132 |
What does it cost to insure a 2017 Hyundai Sonata?
A 2017 Hyundai Sonata averages $1,446 per year for full coverage insurance, or around $121 per month. Rates range from $1,348 per year for the Sonata Hybrid Sedan to $1,546 for the Sonata Limited 2.0T Sedan.
| 2017 Hyundai Sonata Trim Level | Annual Rate | Per Month |
|---|---|---|
| Hybrid Sedan | $1,348 | $112 |
| SE Sedan | $1,348 | $112 |
| Sedan | $1,348 | $112 |
| EcoSedan | $1,388 | $116 |
| Sport Sedan | $1,388 | $116 |
| Hybrid Limited Blue Pearl Sedan | $1,454 | $121 |
| Hybrid Limited Sedan | $1,454 | $121 |
| Limited Sedan | $1,466 | $122 |
| Sport 2.0T Sedan | $1,466 | $122 |
| Hybrid Plug-in Sedan | $1,494 | $125 |
| Hybrid Plug-in Limited Blue Pearl Sedan | $1,536 | $128 |
| Hybrid Plug-in Limited Sedan | $1,536 | $128 |
| Limited 2.0T Sedan | $1,546 | $129 |
How much is 2016 Hyundai Sonata car insurance?
Average insurance cost for a 2016 Hyundai Sonata is $1,468 per year, or around $122 per month. Rates range from $1,306 per year for the Sonata SE Sedan to $1,622 for the Sonata Hybrid Plug-in Limited Sedan.
| 2016 Hyundai Sonata Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,306 | $109 |
| EcoSedan | $1,342 | $112 |
| Sport Sedan | $1,342 | $112 |
| Limited Sedan | $1,416 | $118 |
| Sport 2.0T Sedan | $1,416 | $118 |
| Hybrid Sedan | $1,448 | $121 |
| Limited 2.0T Sedan | $1,490 | $124 |
| Hybrid Limited Sedan | $1,548 | $129 |
| Hybrid Limited Blue Pearl Sedan | $1,586 | $132 |
| Hybrid Plug-in Sedan | $1,586 | $132 |
| Hybrid Plug-in Limited Sedan | $1,622 | $135 |
How much are 2015 Hyundai Sonata insurance rates?
Insurance rates average $1,256 per year for a 2015 Hyundai Sonata, or around $105 per month. Rates range from $1,184 per year for the Sonata SE Sedan to $1,314 for the Sonata Hybrid Limited Sedan.
| 2015 Hyundai Sonata Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,184 | $99 |
| EcoSedan | $1,218 | $102 |
| Sport Sedan | $1,218 | $102 |
| Hybrid Sedan | $1,278 | $107 |
| Limited Sedan | $1,288 | $107 |
| Sport 2.0T Sedan | $1,288 | $107 |
| Hybrid Limited Sedan | $1,314 | $110 |
What does 2014 Sonata insurance cost?
Average insurance cost for a 2014 Hyundai Sonata is $1,256 per year, or around $105 per month. Rates range from $1,168 per year for the Sonata GLS Sedan to $1,340 for the Sonata Hybrid Limited Sedan.
| 2014 Hyundai Sonata Trim Level | Annual Rate | Per Month |
|---|---|---|
| GLS Sedan | $1,168 | $97 |
| SE Sedan | $1,232 | $103 |
| Limited Sedan | $1,264 | $105 |
| Hybrid Sedan | $1,276 | $106 |
| Hybrid Limited Sedan | $1,340 | $112 |
How much is 2013 Hyundai Sonata insurance?
Insurance rates for a 2013 Hyundai Sonata average $1,164 per year, or about $97 per month. Rates range from $1,120 per year for the Sonata GLS Sedan to $1,210 for the Sonata Hybrid Limited Sedan.
| 2013 Hyundai Sonata Trim Level | Annual Rate | Per Month |
|---|---|---|
| GLS Sedan | $1,120 | $93 |
| Hybrid Sedan | $1,152 | $96 |
| SE Sedan | $1,152 | $96 |
| Limited Sedan | $1,182 | $99 |
| Hybrid Limited Sedan | $1,210 | $101 |
How much does Sonata insurance cost where I live?
The insurance cost for a Hyundai Sonata varies significantly from cheaper amounts like $724 a year in Raleigh, NC, or $782 in Virginia Beach, VA, to more expensive rates like $2,246 a year in Miami, FL, and $4,550 in Detroit, MI.
The cost of insurance for a Hyundai Sonata in some other areas include Colorado Springs, CO, averaging $1,404 per year, Indianapolis, IN, costing $1,170, Oakland, CA, at $1,646, and Milwaukee, WI, at $1,174.
The following chart visualizes estimated Hyundai Sonata insurance policy premiums for the larger urban areas in the United States. Cost ranges from $874 per year in Columbus, OH, to $2,196 in New York, NY, a difference of $1,322.
Other important data observations concerning Sonata insurance cost include:
- As you age, insurance rates get cheaper. The difference in Sonata insurance cost between a 50-year-old driver ($1,062 per year) and a 30-year-old driver ($1,200 per year) is $138, or a savings of 11.5%.
- 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 $35 and $109 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 $183 per year when compared to a credit score ranging from 670-739. Conversely, a weak credit score could cost as much as $212 more per year.
- Driver gender influences rates. For a 2013 Hyundai Sonata, a 20-year-old man will pay an estimated rate of $2,308 per year, while a 20-year-old woman will pay $1,728, a difference of $580 per year. Women get significantly cheaper rates. But by age 50, the rate for men is $1,062 and the rate for women is $1,042, a difference of only $20.
- A good driving record means cheaper insurance cost. To get the cheapest Sonata insurance rates, it pays to be a conservative driver. Just one or two minor lapses of judgement on your driving record could result in increasing policy rates by as much as $314 per year. Major infractions such as a DUI could raise rates by an additional $1,084 or more.
