Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Hyundai Sonata? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Hyundai Sonata car insurance facts

  • Average full coverage auto insurance premium: $130/month

  • Most affordable companies: Erie Insurance ($86/month) & Nationwide ($94/month)

  • Sonata car insurance cost vs. average rates: $39 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Hyundai Sonata by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Hyundai Elantra insurer costs by state:

Risk factors affecting Hyundai Sonata car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Hyundai Sonata car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Hyundai models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Hyundai automobile brand

Hyundai is a South Korean automobile manufacturer specializing in affordable cars offering the same features and technologies as more expensive Japanese and American brands. The target audience of Hyundai is the young through older generation demanding high tech cars that are fashionable at a low price. All Hyundai automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Hyundai Sonata, Elantra, Sante Fe, and Palisade are some of their most popular cars.

Low Hyundai Sonata repair costs equal low car insurance rates

Many consumers are attracted to Hyundai’s low cost, excellent fuel efficiency, and driver-assist technologies, like Hyundai’s SmartSense safety features. Automotive parts are common and less expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Hyundai is lower than average since repair parts are less expensive. For this reason, many Hyundais are going to have lower than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Hyundai Sonata affecting car insurance policies

Another factor to consider for Hyundai is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Hyundai models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Hyundai IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Hyundais are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Hyundai’s SmartSense technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Hyundai models. The Hyundai Sonata, Tucson, Kona, and Palisade are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Hyundai automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Hyundai automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1711
Allstate$1506
Auto-Owners$1611
Cincinnati Insurance$1749
Direct Auto$1708
Erie Insurance$1050
GEICO$1270
Kentucky Farm Bureau$1635
Liberty Mutual$1429
Mercury$1290
MetLife$1830
Nationwide$1132
Plymouth Rock Insurance$1581
Progressive$1240
Safe Auto$2016
State Farm$1338
Tennessee Farmers$1159
Texas Farm Bureau$1365
Travelers$1268

Compare all 2021 Hyundai Sonata rates

Average Cost to Insure Per Year

$1554

List Price

$23950

Trims Available

SE - Eco - SEL - SEL+ - Sport+ - Sport - Limited - Sport 2.0T - Limited 2.0T+ - Limited 2.0T - Base engine: 2.5-liter four-cylinder at 191 horsepower with Hyundai SmartSense technology advanced driving assistance system (ADAS) includes Forward Collision Avoidance Assist w/ Pedestrian Detection (FCA), Smart Cruise Control with Stop & Go (SCC), Lane Keeping Assist (LKA), Lane Follow Assist (LFA), Driver Attention Warning (DAW), High Beam Assist (HBA), Rear Occupant Alert (ROA) door logic, Blind Spot Detection (BSD), Blind Spot Collision Avoidance Assist (BCA), Rear Cross-Traffic Collision-Warning (RCCW), Electronic, Stability Control, Traction Control System, Anti-Lock Braking System, Electronic Brake-Force Distribution, Advanced Airbag System, Tire Pressure Monitoring System

2020 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1529
Allstate$1468
Auto-Owners$1605
Erie Insurance$1012
Farmers$1639
GEICO$1170
Liberty Mutual$1406
Mercury$1245
MetLife$1829
Nationwide$1060
Progressive$1140
State Farm$1330
Tennessee Farmers$1091
Texas Farm Bureau$1270
The Hanover$1724
Travelers$1162

Compare all 2020 Hyundai Sonata rates

Average Cost to Insure Per Year

$1529

List Price

$23600

Trims Available

SE - Eco - SEL - SEL+ - Sport+ - Sport - Limited - Sport 2.0T - Limited 2.0T+ - Limited 2.0T - Base engine: 2.5-liter four-cylinder at 191 horsepower with Hyundai SmartSense technology advanced driving assistance system (ADAS) includes Forward Collision Avoidance Assist w/ Pedestrian Detection (FCA), Smart Cruise Control with Stop & Go (SCC), Lane Keeping Assist (LKA), Lane Follow Assist (LFA), Driver Attention Warning (DAW), High Beam Assist (HBA), Rear Occupant Alert (ROA) door logic, Blind Spot Detection (BSD), Blind Spot Collision Avoidance Assist (BCA), Rear Cross-Traffic Collision-Warning (RCCW), Electronic, Stability Control, Traction Control System, Anti-Lock Braking System, Electronic Brake-Force Distribution, Advanced Airbag System, Tire Pressure Monitoring System

2019 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1523
Allstate$1459
Auto-Owners$1567
Erie Insurance$1006
GEICO$1161
Kentucky Farm Bureau$1640
Liberty Mutual$1390
Mercury$1243
MetLife$1812
Nationwide$1056
Progressive$1132
State Farm$1320
Tennessee Farmers$1080
Texas Farm Bureau$1265
The Hanover$1703
Travelers$1140

Compare all 2019 Hyundai Sonata rates

Average Cost to Insure Per Year

$1520

List Price

$22650

Trims Available

SE - Eco - SEL - SEL+ - Sport+ - Sport - Limited - Sport 2.0T - Limited 2.0T+ - Limited 2.0T - Base engine: 2.5-liter four-cylinder at 191 horsepower with Hyundai SmartSense technology advanced driving assistance system (ADAS) includes Forward Collision Avoidance Assist w/ Pedestrian Detection (FCA), Smart Cruise Control with Stop & Go (SCC), Lane Keeping Assist (LKA), Lane Follow Assist (LFA), Driver Attention Warning (DAW), High Beam Assist (HBA), Rear Occupant Alert (ROA) door logic, Blind Spot Detection (BSD), Blind Spot Collision Avoidance Assist (BCA), Rear Cross-Traffic Collision-Warning (RCCW), Electronic, Stability Control, Traction Control System, Anti-Lock Braking System, Electronic Brake-Force Distribution, Advanced Airbag System, Tire Pressure Monitoring System

2018 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1303
Acuity$ 1303
Allied$ 1291
Allied$ 1291
American Family$ 1378
American Family$ 1378
Erie$ 1071
Erie$ 1071
GEICO$ 1186
GEICO$ 1186
Nationwide$ 1297
Nationwide$ 1297
Plymouth Rock Insurance$ 1139
Plymouth Rock Insurance$ 1139
Progressive$ 1264
Progressive$ 1264
State Farm$ 1291
State Farm$ 1291
Tennessee Farmers$ 1064
Tennessee Farmers$ 1064
USAA$ 1003
USAA$ 1003
Vermont Mutual$ 1253
Vermont Mutual$ 1253

Compare all 2018 Hyundai Sonata rates

Average Cost to Insure Per Year

$ 1478

List Price

$ 22050

Trims Available

SE - Eco - SEL - SEL+ - Sport+ - Sport - Limited - Sport 2.0T - Limited 2.0T+ - Limited 2.0T

2017 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1289
Acuity$ 1289
American Family$ 1297
American Family$ 1297
Erie$ 1016
Erie$ 1016
GEICO$ 1007
GEICO$ 1007
Nationwide$ 1295
Nationwide$ 1295
Plymouth Rock Insurance$ 1106
Plymouth Rock Insurance$ 1106
Progressive$ 1184
Progressive$ 1184
State Farm$ 1152
State Farm$ 1152
Tennessee Farmers$ 1075
Tennessee Farmers$ 1075
Texas Farm Bureau$ 931
Texas Farm Bureau$ 931
USAA$ 970
USAA$ 970
Vermont Mutual$ 1204
Vermont Mutual$ 1204

Compare all 2017 Hyundai Sonata rates

Average Cost to Insure Per Year

$ 1261

List Price

$ 21600

Trims Available

Eco - Base - SE - Sport - Sport 2.0T - Limited - Limited 2.0T

2016 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1185
Acuity$ 1185
American Family$ 1210
American Family$ 1210
Erie$ 815
Erie$ 815
GEICO$ 757
GEICO$ 757
Nationwide$ 1208
Nationwide$ 1208
Plymouth Rock Insurance$ 1077
Plymouth Rock Insurance$ 1077
Progressive$ 1026
Progressive$ 1026
State Farm$ 1115
State Farm$ 1115
Tennessee Farmers$ 1042
Tennessee Farmers$ 1042
Texas Farm Bureau$ 892
Texas Farm Bureau$ 892
USAA$ 881
USAA$ 881
Vermont Mutual$ 1076
Vermont Mutual$ 1076

Compare all 2016 Hyundai Sonata rates

Average Cost to Insure Per Year

$ 1140

List Price

$ 21600

Trims Available

Base - SE - Sport - Eco - Limited - Sport 2.0T - Limited 2.0T

2015 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1086
Acuity$ 1086
American Family$ 1084
American Family$ 1084
Erie$ 719
Erie$ 719
GEICO$ 585
GEICO$ 585
Nationwide$ 1065
Nationwide$ 1065
Plymouth Rock Insurance$ 1056
Plymouth Rock Insurance$ 1056
Progressive$ 893
Progressive$ 893
State Farm$ 828
State Farm$ 828
Tennessee Farmers$ 994
Tennessee Farmers$ 994
Texas Farm Bureau$ 821
Texas Farm Bureau$ 821
USAA$ 739
USAA$ 739
Vermont Mutual$ 972
Vermont Mutual$ 972

Compare all 2015 Hyundai Sonata rates

Average Cost to Insure Per Year

$ 998

List Price

$ 21150

Trims Available

SE - Sport - Eco - Limited - Sport 2.0T - Limited 2.0T

2014 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1095
Acuity$ 1095
American Family$ 1246
American Family$ 1246
Arbella$ 1216
Arbella$ 1216
Country$ 1193
Country$ 1193
Erie$ 882
Erie$ 882
GEICO$ 981
GEICO$ 981
Plymouth Rock Insurance$ 1031
Plymouth Rock Insurance$ 1031
Progressive$ 1266
Progressive$ 1266
Tennessee Farmers$ 1025
Tennessee Farmers$ 1025
Texas Farm Bureau$ 824
Texas Farm Bureau$ 824
USAA$ 965
USAA$ 965
Vermont Mutual$ 972
Vermont Mutual$ 972

Compare all 2014 Hyundai Sonata rates

Average Cost to Insure Per Year

$ 1168

List Price

$ 21450

Trims Available

GLS - SE - SE 2.0T - Limited - Limited 2.0T

2013 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1069
Acuity$ 1069
American Family$ 1136
American Family$ 1136
Arbella$ 1112
Arbella$ 1112
Erie$ 787
Erie$ 787
GEICO$ 743
GEICO$ 743
Plymouth Rock Insurance$ 1003
Plymouth Rock Insurance$ 1003
Progressive$ 1005
Progressive$ 1005
State Farm$ 1053
State Farm$ 1053
Tennessee Farmers$ 986
Tennessee Farmers$ 986
Texas Farm Bureau$ 793
Texas Farm Bureau$ 793
USAA$ 839
USAA$ 839
Vermont Mutual$ 913
Vermont Mutual$ 913

Compare all 2013 Hyundai Sonata rates

Average Cost to Insure Per Year

$ 1055

List Price

$ 21195

Trims Available

GLS - SE - SE 2.0T - Limited - Limited 2.0T

2012 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1002
Acuity$ 1002
American Family$ 1082
American Family$ 1082
Arbella$ 1102
Arbella$ 1102
Erie$ 712
Erie$ 712
GEICO$ 578
GEICO$ 578
Plymouth Rock Insurance$ 981
Plymouth Rock Insurance$ 981
Progressive$ 892
Progressive$ 892
State Farm$ 923
State Farm$ 923
Tennessee Farmers$ 944
Tennessee Farmers$ 944
Texas Farm Bureau$ 764
Texas Farm Bureau$ 764
USAA$ 729
USAA$ 729
Vermont Mutual$ 839
Vermont Mutual$ 839

Compare all 2012 Hyundai Sonata rates

Average Cost to Insure Per Year

$ 971

List Price

$ 19795

Trims Available

GLS - SE - SE 2.0T - Limited - Limited 2.0T

2011 Hyundai Sonata

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1023
American Family$ 1023
Arbella$ 973
Arbella$ 973
Erie$ 648
Erie$ 648
GEICO$ 559
GEICO$ 559
Nationwide$ 1091
Nationwide$ 1091
Plymouth Rock Insurance$ 960
Plymouth Rock Insurance$ 960
Progressive$ 848
Progressive$ 848
State Farm$ 915
State Farm$ 915
Tennessee Farmers$ 921
Tennessee Farmers$ 921
Texas Farm Bureau$ 746
Texas Farm Bureau$ 746
USAA$ 750
USAA$ 750
Vermont Mutual$ 792
Vermont Mutual$ 792

Compare all 2011 Hyundai Sonata rates

Average Cost to Insure Per Year

$ 945

List Price

$ 19395

Trims Available

GLS - GLS PZEV - SE 2.0T - Limited - Limited PZEV - Limited 2.0T - SE