Hyundai Sonata vs Nissan Altima Insurance Cost
The Hyundai Sonata is cheaper to insure by about $105 a year for full coverage by our estimate ($1,890 vs. $1,995), and cheaper in 50 of 51 states.
Side-by-side insurance estimate
| Coverage | Hyundai Sonata | Nissan Altima | Difference |
|---|---|---|---|
| State minimum | $695 | $810 | −$115 |
| Standard (100/300/100) | $1,005 | $1,175 | −$170 |
| Full coverage | $1,890 | $1,995 | −$105 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Sonata minus Altima.
Why one costs more to insure
| Factor | Hyundai Sonata | Nissan Altima |
|---|---|---|
| Segment | Midsize car | Midsize car |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 136 | 135 |
| HLDI comprehensive | 116 | 106 |
| HLDI property damage liability | 112 | 134 |
| HLDI bodily injury liability | 133 | 174 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | #3 | #10 |
| Recalls (latest 3 model years) | 1 | 3 |
Collision losses are the biggest swing factor: the Hyundai Sonata has 1 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Nissan Altima.
Sonata vs Altima insurance by state
By driver profile (full coverage)
| Driver | Sonata | Altima |
|---|---|---|
| Teen driver (18, own policy) | $5,195 | $5,485 |
| Young adult (22) | $3,025 | $3,190 |
| Adult in their 30s | $1,890 | $1,995 |
| Adult in their 50s | $1,740 | $1,835 |
| Senior (72) | $2,115 | $2,235 |
| 30s, one at-fault accident | $2,740 | $2,895 |
| 30s, DUI on record | $3,495 | $3,690 |
More comparisons
Frequently asked questions
Is the Hyundai Sonata or the Nissan Altima cheaper to insure?
By our estimate the Hyundai Sonata is cheaper, by about $105 a year for full coverage ($1,890 vs. $1,995) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Hyundai Sonata and Nissan Altima?
Mostly because of insurance-loss history: HLDI collision indices of 136 vs. 135 and comprehensive indices of 116 vs. 106 (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.