- Drivers can expect to pay on average $1,966 per year, $983 for a 6-month policy, or $164 per month for full coverage insurance on a Hyundai Sonata, depending on the trim level.
- When compared to other midsize cars, the 2023 Hyundai Sonata is one of the more expensive midsize cars to insure, costing $166 more per year on average.
- The model with the cheapest insurance rates is the Sonata SE trim level at $1,800 per year.
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.
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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Subaru Legacy | $1,626 | -$340 |
| 2 | Toyota Camry | $1,678 | -$288 |
| 3 | Kia K5 | $1,702 | -$264 |
| 4 | Chevrolet Malibu | $1,716 | -$250 |
| 5 | Honda Accord | $1,782 | -$184 |
| 6 | Toyota Crown | $1,792 | -$174 |
| 7 | Tesla Model 3 | $1,804 | -$162 |
| 8 | Volkswagen Arteon | $1,850 | -$116 |
| 9 | Nissan Altima | $1,882 | -$84 |
| 10 | Hyundai Sonata | $1,966 | -- |
| 11 | Kia 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.
| 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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.
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.
