Genesis G80 Insurance Cost

Full coverage for a Genesis G80 costs about $1,735 a year ($145/month) by our estimate — ▲ +9% versus the average vehicle, ranking 188th cheapest of 310 current models.

Genesis G80 exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

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

Genesis G80 insurance cost at a glance

Full coverage

$1,735

$145/mo · $1,425–$2,050

Minimum liability

$550

$46/mo

Segment

Luxury car

Gasoline, Electric

HLDI collision losses

131

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2017–2027 model years of the Genesis G80.

Estimated Genesis G80 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$550	$46	$450–$650
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$800	$66	$655–$940
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,735	$145	$1,425–$2,050

What drives the cost of insuring a Genesis G80

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Genesis G80's results put our vehicle factor at 0.90× for liability, 1.32× for collision and 1.36× for comprehensive.

HLDI relative insurance losses — Genesis G80 4dr 2WD/4WD (Large Luxury cars)
Coverage	Index	Rating	What it measures
Collision	131	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	138	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	86	Better than average	Damage this car does to other vehicles and property
Personal injury protection	78	Much better than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 11 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Genesis G80 trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPGe (comb.)	Range
G80 AWD	AWD	2.5L 4-cyl Turbo	23	—
G80 AWD	AWD	3.5L 6-cyl Turbo	18	—

Genesis G80 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPGe	Est. full / yr
2027	2.5L 4-cyl Turbo, 3.5L 6-cyl Turbo	AWD	18–23	$1,735
2026	2.5L 4-cyl Turbo, 3.5L 6-cyl Turbo, Electric	AWD	18–23	$1,695
2025	2.5L 4-cyl Turbo, 3.5L 6-cyl Turbo, Electric	AWD	19–24	$1,650
2024	2.5L 4-cyl Turbo, 3.5L 6-cyl Turbo, Electric	AWD	19–25	$1,610
2023	2.5L 4-cyl Turbo, 3.5L 6-cyl Turbo, Electric	AWD, RWD	19–26	$1,565
2022	2.5L 4-cyl Turbo, 3.5L 6-cyl Turbo	AWD, RWD	20–26	$1,525
2021	2.5L 4-cyl Turbo, 3.5L 6-cyl Turbo	AWD, RWD	21–26	$1,480
2020	3.3L 6-cyl Turbo, 3.8L 6-cyl, 5.0L 8-cyl	AWD, RWD	18–21	$1,440
2019	3.3L 6-cyl Turbo, 3.8L 6-cyl, 5.0L 8-cyl	AWD, RWD	18–21	$1,400
2018	3.3L 6-cyl Turbo, 3.8L 6-cyl, 5.0L 8-cyl	AWD, RWD	18–22	$1,355
2017	3.8L 6-cyl, 5.0L 8-cyl	AWD, RWD	18–22	$1,315

Genesis G80 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the G80 page for that state.

State	Full coverage	Minimum	vs. national	G80 page
Alabama	$1,550	$430	−11%	G80 in AL
Alaska	$1,525	$560	−12%	G80 in AK
Arizona	$1,810	$590	+4%	G80 in AZ
Arkansas	$1,595	$400	−8%	G80 in AR
California	$1,725	$515	−1%	G80 in CA
Colorado	$2,020	$585	+16%	G80 in CO
Connecticut	$1,795	$640	+3%	G80 in CT
Delaware	$1,850	$720	+7%	G80 in DE
District of Columbia	$2,200	$665	+27%	G80 in DC
Florida	$2,335	$965	+35%	G80 in FL
Georgia	$2,070	$780	+19%	G80 in GA
Hawaii	$1,215	$390	−30%	G80 in HI
Idaho	$1,190	$360	−31%	G80 in ID
Illinois	$1,525	$445	−12%	G80 in IL
Indiana	$1,255	$360	−28%	G80 in IN
Iowa	$1,255	$275	−28%	G80 in IA
Kansas	$1,460	$360	−16%	G80 in KS
Kentucky	$1,455	$475	−16%	G80 in KY
Louisiana	$2,385	$710	+37%	G80 in LA
Maine	$1,130	$380	−35%	G80 in ME
Maryland	$1,920	$675	+11%	G80 in MD
Massachusetts	$1,705	$530	−2%	G80 in MA
Michigan	$1,905	$685	+10%	G80 in MI
Minnesota	$1,500	$420	−14%	G80 in MN
Mississippi	$1,705	$475	−2%	G80 in MS
Missouri	$1,615	$460	−7%	G80 in MO
Montana	$1,465	$350	−16%	G80 in MT
Nebraska	$1,465	$360	−16%	G80 in NE
Nevada	$1,875	$775	+8%	G80 in NV
New Hampshire	$1,255	$360	−28%	G80 in NH
New Jersey	$2,000	$840	+15%	G80 in NJ
New Mexico	$1,580	$465	−9%	G80 in NM
New York	$2,250	$835	+30%	G80 in NY
North Carolina	$1,350	$400	−22%	G80 in NC
North Dakota	$1,205	$250	−31%	G80 in ND
Ohio	$1,265	$360	−27%	G80 in OH
Oklahoma	$1,630	$425	−6%	G80 in OK
Oregon	$1,505	$560	−13%	G80 in OR
Pennsylvania	$1,560	$380	−10%	G80 in PA
Rhode Island	$2,035	$735	+17%	G80 in RI
South Carolina	$1,805	$655	+4%	G80 in SC
South Dakota	$1,460	$280	−16%	G80 in SD
Tennessee	$1,480	$405	−15%	G80 in TN
Texas	$2,110	$620	+22%	G80 in TX
Utah	$1,525	$585	−12%	G80 in UT
Vermont	$1,185	$285	−32%	G80 in VT
Virginia	$1,495	$560	−14%	G80 in VA
Washington	$1,470	$530	−15%	G80 in WA
West Virginia	$1,510	$390	−13%	G80 in WV
Wisconsin	$1,225	$335	−29%	G80 in WI
Wyoming	$1,485	$290	−14%	G80 in WY

Genesis G80 insurance by driver profile

Estimated annual Genesis G80 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,515	$2,195	$4,775	$398
Young adult (22)	$880	$1,275	$2,775	$231
Adult in their 30s	$550	$800	$1,735	$145
Adult in their 50s	$505	$735	$1,595	$133
Senior (72)	$615	$895	$1,945	$162
30s, one at-fault accident	$800	$1,155	$2,515	$210
30s, DUI on record	$1,020	$1,475	$3,210	$268

Genesis G80 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Genesis G80	$1,735	131	138	—
Lexus IS	$1,835	158	150	Compare
Lexus ES	$1,590	121	108	Compare
Mercedes-Benz C-Class	$2,050	161	160	Compare

Estimate Genesis G80 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Genesis models

G70 $1,815/yr
GV60 $1,695/yr
GV70 $1,635/yr
GV80 $1,630/yr
G90 $2,055/yr

All Genesis insurance costs →

Frequently asked questions

How much is insurance for a Genesis G80?

We estimate about $1,735 a year ($145 a month) for full coverage and $550 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 9% more than the average vehicle.

Is the Genesis G80 expensive to insure?

HLDI insurance-loss data rates it at 131 for collision and 138 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Genesis G80?

Maine has the lowest estimate (about $1,130 a year for full coverage) and Louisiana the highest (about $2,385).

What is the Genesis G80's NHTSA safety rating?

The 2026 Genesis G80 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Genesis G80 cheaper to insure than the Lexus IS?

By our estimate the Genesis G80 costs about $1,735 a year versus $1,880 for the Lexus IS, making it the cheaper of the two to insure.

How much is Genesis G80 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,775 a year at national-average rates by our estimate.

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