Estimates, not quotes

Toyota Camry vs Hyundai Sonata Insurance Cost

The Toyota Camry is cheaper to insure by about $155 a year for full coverage by our estimate ($1,735 vs. $1,890), 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

CoverageToyota CamryHyundai SonataDifference
State minimum$670$695−$25
Standard (100/300/100)$975$1,005−$30
Full coverage$1,735$1,890−$155

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

Why one costs more to insure

FactorToyota CamryHyundai Sonata
SegmentMidsize carMidsize car
PowertrainsGasoline, HybridGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)119136
HLDI comprehensive107116
HLDI property damage liability104112
HLDI bodily injury liability129133
NHTSA overall rating5★5★
NICB most-stolen rank#8#3
Recalls (latest 3 model years)71

Collision losses are the biggest swing factor: the Hyundai Sonata has 17 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Camry vs Sonata insurance by state

StateCamrySonataDifference
Alabama$1,515$1,655−$140
Alaska$1,520$1,660−$140
Arizona$1,820$1,975−$155
Arkansas$1,535$1,685−$150
California$1,705$1,870−$165
Colorado$1,970$2,145−$175
Connecticut$1,845$1,995−$150
Delaware$1,935$2,080−$145
District of Columbia$2,190$2,390−$200
Florida$2,470$2,650−$180
Georgia$2,145$2,310−$165
Hawaii$1,200$1,315−$115
Idaho$1,180$1,285−$105
Illinois$1,505$1,645−$140
Indiana$1,235$1,350−$115
Iowa$1,180$1,300−$120
Kansas$1,390$1,525−$135
Kentucky$1,460$1,585−$125
Louisiana$2,400$2,605−$205
Maine$1,105$1,210−$105
Maryland$1,945$2,115−$170
Massachusetts$1,705$1,865−$160
Michigan$1,890$2,065−$175
Minnesota$1,450$1,585−$135
Mississippi$1,660$1,815−$155
Missouri$1,575$1,720−$145
Montana$1,390$1,520−$130
Nebraska$1,390$1,525−$135
Nevada$1,990$2,135−$145
New Hampshire$1,235$1,355−$120
New Jersey$2,085$2,250−$165
New Mexico$1,560$1,700−$140
New York$2,325$2,510−$185
North Carolina$1,295$1,430−$135
North Dakota$1,115$1,230−$115
Ohio$1,240$1,360−$120
Oklahoma$1,565$1,715−$150
Oregon$1,555$1,680−$125
Pennsylvania$1,515$1,665−$150
Rhode Island$2,095$2,265−$170
South Carolina$1,855$2,000−$145
South Dakota$1,330$1,470−$140
Tennessee$1,445$1,585−$140
Texas$2,060$2,245−$185
Utah$1,575$1,700−$125
Vermont$1,130$1,245−$115
Virginia$1,495$1,625−$130
Washington$1,510$1,635−$125
West Virginia$1,450$1,590−$140
Wisconsin$1,190$1,300−$110
Wyoming$1,360$1,500−$140

By driver profile (full coverage)

DriverCamrySonata
Teen driver (18, own policy)$4,775$5,195
Young adult (22)$2,780$3,025
Adult in their 30s$1,735$1,890
Adult in their 50s$1,595$1,740
Senior (72)$1,945$2,115
30s, one at-fault accident$2,520$2,740
30s, DUI on record$3,210$3,495

More comparisons

Frequently asked questions

Is the Toyota Camry or the Hyundai Sonata cheaper to insure?

By our estimate the Toyota Camry is cheaper, by about $155 a year for full coverage ($1,735 vs. $1,890) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Camry and Hyundai Sonata?

Mostly because of insurance-loss history: HLDI collision indices of 119 vs. 136 and comprehensive indices of 107 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