Estimates, not quotes

Hyundai Sonata vs Kia K5 Insurance Cost

The Hyundai Sonata is cheaper to insure by about $115 a year for full coverage by our estimate ($1,890 vs. $2,005), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageHyundai SonataKia K5Difference
State minimum$695$760−$65
Standard (100/300/100)$1,005$1,100−$95
Full coverage$1,890$2,005−$115

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Sonata minus K5.

Why one costs more to insure

FactorHyundai SonataKia K5
SegmentMidsize carMidsize car
PowertrainsGasoline, Hybrid, Plug-in hybridGasoline
HLDI collision (100 = avg)136144
HLDI comprehensive116116
HLDI property damage liability112125
HLDI bodily injury liability133155
NHTSA overall rating5★5★
NICB most-stolen rank#3Not in top 10
Recalls (latest 3 model years)13

Collision losses are the biggest swing factor: the Kia K5 has 8 points higher relative collision losses, meaning its crash repairs cost insurers more on average. The Hyundai Sonata appears on the NICB most-stolen list, adding to comprehensive costs.

Sonata vs K5 insurance by state

StateSonataK5Difference
Alabama$1,655$1,755−$100
Alaska$1,660$1,765−$105
Arizona$1,975$2,095−$120
Arkansas$1,685$1,775−$90
California$1,870$1,990−$120
Colorado$2,145$2,260−$115
Connecticut$1,995$2,130−$135
Delaware$2,080$2,225−$145
District of Columbia$2,390$2,540−$150
Florida$2,650$2,835−$185
Georgia$2,310$2,470−$160
Hawaii$1,315$1,400−$85
Idaho$1,285$1,360−$75
Illinois$1,645$1,745−$100
Indiana$1,350$1,430−$80
Iowa$1,300$1,360−$60
Kansas$1,525$1,595−$70
Kentucky$1,585$1,680−$95
Louisiana$2,605$2,765−$160
Maine$1,210$1,285−$75
Maryland$2,115$2,250−$135
Massachusetts$1,865$1,980−$115
Michigan$2,065$2,195−$130
Minnesota$1,585$1,665−$80
Mississippi$1,815$1,915−$100
Missouri$1,720$1,815−$95
Montana$1,520$1,595−$75
Nebraska$1,525$1,600−$75
Nevada$2,135$2,290−$155
New Hampshire$1,355$1,435−$80
New Jersey$2,250$2,410−$160
New Mexico$1,700$1,800−$100
New York$2,510$2,680−$170
North Carolina$1,430$1,510−$80
North Dakota$1,230$1,285−$55
Ohio$1,360$1,435−$75
Oklahoma$1,715$1,805−$90
Oregon$1,680$1,790−$110
Pennsylvania$1,665$1,760−$95
Rhode Island$2,265$2,420−$155
South Carolina$2,000$2,125−$125
South Dakota$1,470$1,520−$50
Tennessee$1,585$1,675−$90
Texas$2,245$2,370−$125
Utah$1,700$1,815−$115
Vermont$1,245$1,315−$70
Virginia$1,625$1,725−$100
Washington$1,635$1,745−$110
West Virginia$1,590$1,675−$85
Wisconsin$1,300$1,370−$70
Wyoming$1,500$1,555−$55

By driver profile (full coverage)

DriverSonataK5
Teen driver (18, own policy)$5,195$5,515
Young adult (22)$3,025$3,210
Adult in their 30s$1,890$2,005
Adult in their 50s$1,740$1,845
Senior (72)$2,115$2,245
30s, one at-fault accident$2,740$2,910
30s, DUI on record$3,495$3,710

More comparisons

Frequently asked questions

Is the Hyundai Sonata or the Kia K5 cheaper to insure?

By our estimate the Hyundai Sonata is cheaper, by about $115 a year for full coverage ($1,890 vs. $2,005) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Hyundai Sonata and Kia K5?

Mostly because of insurance-loss history: HLDI collision indices of 136 vs. 144 and comprehensive indices of 116 vs. 116 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page