Genesis Insurance Cost
Across 6 current Genesis models, full coverage averages about $1,761 a year by our estimate — +11% versus the average vehicle ($1,590).
Genesis insurance profile
Genesis is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 3 luxury suvs and 3 luxury cars. HLDI collision losses for its models average 149 (100 = all-vehicle average).
Every Genesis model ranked by insurance cost
What makes Genesis insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 3 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 6 models range from 118 to 214, so the model you pick matters as much as the brand.
- Segment mix: 3 luxury suv, 3 luxury car.
Average Genesis insurance cost by state
Average full-coverage estimate across current Genesis models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,158 | −34% |
| Idaho | $1,213 | −31% |
| Vermont | $1,218 | −31% |
| North Dakota | $1,219 | −31% |
| Wisconsin | $1,243 | −29% |
| Hawaii | $1,258 | −29% |
| Iowa | $1,268 | −28% |
| Indiana | $1,283 | −27% |
| New Hampshire | $1,292 | −27% |
| Ohio | $1,293 | −27% |
| North Carolina | $1,391 | −21% |
| South Dakota | $1,456 | −17% |
| Kansas | $1,473 | −16% |
| Kentucky | $1,477 | −16% |
| Montana | $1,478 | −16% |
| Nebraska | $1,478 | −16% |
| Wyoming | $1,488 | −15% |
| Washington | $1,498 | −15% |
| Minnesota | $1,517 | −14% |
| Tennessee | $1,518 | −14% |
| Virginia | $1,527 | −13% |
| Oregon | $1,528 | −13% |
| West Virginia | $1,534 | −13% |
| Utah | $1,554 | −12% |
| Illinois | $1,563 | −11% |
| Alaska | $1,569 | −11% |
| Alabama | $1,587 | −10% |
| Pennsylvania | $1,597 | −9% |
| New Mexico | $1,610 | −9% |
| Arkansas | $1,633 | −7% |
| Missouri | $1,636 | −7% |
| Oklahoma | $1,652 | −6% |
| Mississippi | $1,731 | −2% |
| Massachusetts | $1,754 | 0% |
| California | $1,790 | +2% |
| South Carolina | $1,825 | +4% |
| Arizona | $1,837 | +4% |
| Connecticut | $1,837 | +4% |
| Delaware | $1,880 | +7% |
| Nevada | $1,905 | +8% |
| Michigan | $1,957 | +11% |
| Maryland | $1,960 | +11% |
| Colorado | $2,028 | +15% |
| New Jersey | $2,038 | +16% |
| Rhode Island | $2,078 | +18% |
| Georgia | $2,100 | +19% |
| Texas | $2,138 | +21% |
| District of Columbia | $2,262 | +28% |
| New York | $2,289 | +30% |
| Florida | $2,361 | +34% |
| Louisiana | $2,419 | +37% |
Frequently asked questions
How much does it cost to insure a Genesis?
Across 6 current Genesis models, our full-coverage estimate averages $1,761 a year for a driver in their 30s with a clean record, 11% more than the average vehicle ($1,590).
What is the cheapest Genesis to insure?
The Genesis GV80 has the lowest estimate at about $1,630 a year for full coverage; the Genesis G90 is the most expensive at about $2,055.
Are Genesis repairs expensive for insurers?
HLDI collision-loss data for 6 Genesis models averages 149 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Genesis?
By our estimates, Maine is the cheapest state (about $1,158 a year on average across current models) and Louisiana the most expensive (about $2,419).
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.