Hyundai Sonata Insurance Cost

Full coverage for a Hyundai Sonata costs about $1,890 a year ($157/month) by our estimate — ▲ +19% versus the average vehicle, ranking 231st cheapest of 310 current models.

Hyundai Sonata exterior (photo from Wikimedia Commons) — Photo: MercurySable99, 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

Hyundai Sonata insurance cost at a glance

Full coverage

$1,890

$157/mo · $1,550–$2,230

Minimum liability

$695

$58/mo

Segment

Midsize car

Gasoline, Hybrid, Plug-in hybrid

HLDI collision losses

136

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

NICB most stolen

national list

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 2005–2027 model years of the Hyundai Sonata.

Estimated Hyundai Sonata 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.	$695	$58	$570–$820
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,005	$84	$825–$1,190
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,890	$157	$1,550–$2,230

What drives the cost of insuring a Hyundai Sonata

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 Hyundai Sonata's results put our vehicle factor at 1.13× for liability, 1.31× for collision and 1.16× for comprehensive.

HLDI relative insurance losses — Hyundai Sonata (Midsize Four-door cars)
Coverage	Index	Rating	What it measures
Collision	136	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	116	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	112	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	133	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	150	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	163	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Hyundai Sonata	136	116	112	133
Hyundai Sonata hybrid	137	120	100	111

Repair and parts costs: Midsize car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Theft: #3 on the NICB national most-stolen list, which raises comprehensive premiums.
Recalls & complaints: 1 NHTSA recall campaigns and 33 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Hyundai Sonata 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	MPG (comb.)
Sonata AWD	AWD	2.5L 4-cyl	26
Sonata FWD	FWD	2.5L 4-cyl	29
Sonata FWD	FWD	2.5L 4-cyl Turbo	27
Sonata FWD w/Stop-Start	FWD	2.5L 4-cyl	31
Sonata Hybrid	FWD	2.0L 4-cyl Hybrid	47
Sonata Hybrid Blue	FWD	2.0L 4-cyl Hybrid	51

Hyundai Sonata 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	MPG	Est. full / yr
2027	2.0L 4-cyl Hybrid, 2.5L 4-cyl, 2.5L 4-cyl Turbo	AWD, FWD	26–51	$1,890
2026	2.0L 4-cyl Hybrid, 2.5L 4-cyl, 2.5L 4-cyl Turbo	AWD, FWD	27–51	$1,850
2025	2.0L 4-cyl Hybrid, 2.5L 4-cyl, 2.5L 4-cyl Turbo	AWD, FWD	27–47	$1,810
2024	2.0L 4-cyl Hybrid, 2.5L 4-cyl, 2.5L 4-cyl Turbo	AWD, FWD	27–47	$1,770
2023	1.6L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.5L 4-cyl	FWD	27–52	$1,730
2022	1.6L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.5L 4-cyl	FWD	27–52	$1,690
2021	1.6L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.5L 4-cyl	FWD	27–52	$1,650
2020	1.6L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.5L 4-cyl	FWD	31–52	$1,610
2019	1.6L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.0L 4-cyl Plug-in Hybrid	FWD	26–42	$1,570
2018	1.6L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.0L 4-cyl Plug-in Hybrid	FWD	26–42	$1,530
2017	1.6L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.0L 4-cyl Plug-in Hybrid	FWD	24–42	$1,490
2016	1.6L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.0L 4-cyl Plug-in Hybrid	FWD	24–41	$1,450
2015	1.6L 4-cyl Turbo, 2.0L 4-cyl Turbo, 2.4L 4-cyl	FWD	24–37	$1,450
2014	2.0L 4-cyl Turbo, 2.4L 4-cyl, 2.4L 4-cyl Hybrid	FWD	24–37	$1,450
2013	2.0L 4-cyl Turbo, 2.4L 4-cyl, 2.4L 4-cyl Hybrid	FWD	26–37	$1,450
2012	2.0L 4-cyl Turbo, 2.4L 4-cyl, 2.4L 4-cyl Hybrid	FWD	26–36	$1,450
2011	2.0L 4-cyl Turbo, 2.4L 4-cyl, 2.4L 4-cyl Hybrid	FWD	26–36	$1,450
2010	2.4L 4-cyl, 3.3L 6-cyl	FWD	22–25	$1,450
2009	2.4L 4-cyl, 3.3L 6-cyl	FWD	22–25	$1,450
2008	2.4L 4-cyl, 3.3L 6-cyl	FWD	22–25	$1,450

Hyundai Sonata 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 Sonata page for that state.

State	Full coverage	Minimum	vs. national	Sonata page
Alabama	$1,655	$540	−12%	Sonata in AL
Alaska	$1,660	$705	−12%	Sonata in AK
Arizona	$1,975	$745	+4%	Sonata in AZ
Arkansas	$1,685	$505	−11%	Sonata in AR
California	$1,870	$650	−1%	Sonata in CA
Colorado	$2,145	$735	+13%	Sonata in CO
Connecticut	$1,995	$805	+6%	Sonata in CT
Delaware	$2,080	$905	+10%	Sonata in DE
District of Columbia	$2,390	$840	+26%	Sonata in DC
Florida	$2,650	$1,220	+40%	Sonata in FL
Georgia	$2,310	$985	+22%	Sonata in GA
Hawaii	$1,315	$490	−30%	Sonata in HI
Idaho	$1,285	$455	−32%	Sonata in ID
Illinois	$1,645	$565	−13%	Sonata in IL
Indiana	$1,350	$455	−29%	Sonata in IN
Iowa	$1,300	$350	−31%	Sonata in IA
Kansas	$1,525	$455	−19%	Sonata in KS
Kentucky	$1,585	$595	−16%	Sonata in KY
Louisiana	$2,605	$895	+38%	Sonata in LA
Maine	$1,210	$480	−36%	Sonata in ME
Maryland	$2,115	$850	+12%	Sonata in MD
Massachusetts	$1,865	$670	−1%	Sonata in MA
Michigan	$2,065	$865	+9%	Sonata in MI
Minnesota	$1,585	$530	−16%	Sonata in MN
Mississippi	$1,815	$600	−4%	Sonata in MS
Missouri	$1,720	$580	−9%	Sonata in MO
Montana	$1,520	$445	−20%	Sonata in MT
Nebraska	$1,525	$455	−19%	Sonata in NE
Nevada	$2,135	$980	+13%	Sonata in NV
New Hampshire	$1,355	$455	−28%	Sonata in NH
New Jersey	$2,250	$1,060	+19%	Sonata in NJ
New Mexico	$1,700	$590	−10%	Sonata in NM
New York	$2,510	$1,050	+33%	Sonata in NY
North Carolina	$1,430	$505	−24%	Sonata in NC
North Dakota	$1,230	$310	−35%	Sonata in ND
Ohio	$1,360	$455	−28%	Sonata in OH
Oklahoma	$1,715	$535	−9%	Sonata in OK
Oregon	$1,680	$710	−11%	Sonata in OR
Pennsylvania	$1,665	$480	−12%	Sonata in PA
Rhode Island	$2,265	$930	+20%	Sonata in RI
South Carolina	$2,000	$830	+6%	Sonata in SC
South Dakota	$1,470	$355	−22%	Sonata in SD
Tennessee	$1,585	$510	−16%	Sonata in TN
Texas	$2,245	$780	+19%	Sonata in TX
Utah	$1,700	$740	−10%	Sonata in UT
Vermont	$1,245	$360	−34%	Sonata in VT
Virginia	$1,625	$710	−14%	Sonata in VA
Washington	$1,635	$665	−13%	Sonata in WA
West Virginia	$1,590	$495	−16%	Sonata in WV
Wisconsin	$1,300	$420	−31%	Sonata in WI
Wyoming	$1,500	$365	−21%	Sonata in WY

Hyundai Sonata insurance by driver profile

Estimated annual Hyundai Sonata premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,910	$2,770	$5,195	$433
Young adult (22)	$1,110	$1,610	$3,025	$252
Adult in their 30s	$695	$1,005	$1,890	$158
Adult in their 50s	$640	$925	$1,740	$145
Senior (72)	$775	$1,125	$2,115	$176
30s, one at-fault accident	$1,005	$1,460	$2,740	$228
30s, DUI on record	$1,285	$1,860	$3,495	$291

Hyundai Sonata vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Hyundai Sonata	$1,890	136	116	—
Tesla Model 3	$1,670	133	87	Compare
Toyota Camry	$1,735	119	107	Compare
Nissan Altima	$1,995	135	106	Compare

Estimate Hyundai Sonata 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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Other Hyundai models

Ioniq 5 $1,630/yr
Ioniq 6 $1,640/yr
Ioniq 9 $1,575/yr
Kona $1,385/yr
Palisade $1,435/yr
Santa Cruz $1,580/yr
Santa Fe $1,415/yr
Venue $1,590/yr
Elantra $1,895/yr
Nexo $1,455/yr
Tucson $1,410/yr
Accent $1,425/yr
Ioniq $1,425/yr
Veloster $1,425/yr
Azera $1,300/yr
Equus $1,265/yr
Genesis $1,240/yr
Genesis Coupe $1,450/yr
Veracruz $1,190/yr
Entourage $1,135/yr
Tiburon $1,445/yr
XG350 $1,255/yr

All Hyundai insurance costs →

Frequently asked questions

How much is insurance for a Hyundai Sonata?

We estimate about $1,890 a year ($157 a month) for full coverage and $695 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 19% more than the average vehicle.

Is the Hyundai Sonata expensive to insure?

HLDI insurance-loss data rates it at 136 for collision and 116 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Hyundai Sonata?

Maine has the lowest estimate (about $1,210 a year for full coverage) and Florida the highest (about $2,650).

What is the Hyundai Sonata's NHTSA safety rating?

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

Is the Hyundai Sonata a commonly stolen car?

Yes. It ranks #3 on the NICB national list of most-stolen vehicles, which raises the comprehensive portion of premiums.

Is the Hyundai Sonata cheaper to insure than the Tesla Model 3?

By our estimate the Hyundai Sonata costs about $1,890 a year versus $1,670 for the Tesla Model 3, making the Tesla Model 3 cheaper to insure.

How much is Hyundai Sonata insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,195 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