Is a Hyundai Sonata expensive to insure?

The Hyundai Sonata is generally not considered expensive to insure compared to other midsize sedans. Thanks to its strong safety ratings, moderate repair costs and wide availability of parts, insurers tend to offer competitive rates for this make and model. However, your premium will still depend on your individual factors, like your driving history and location. Additionally, Sonatas with higher trim packages may cost slightly more to insure.

Are older cars cheaper to insure?

Older cars are often cheaper to insure because they typically have lower market values, which means insurers won't have to pay as much if the vehicle is totaled. Additionally, older models may not require full coverage if they're paid off, further reducing premium costs.

Is the Hyundai Sonata being discontinued?

No, the Hyundai Sonata is not being discontinued. While there were rumors and reports of a phase-out in 2023, Hyundai has since released a refreshed 2024 Sonata with updated styling and improved performance options. This update signals the brand's continued commitment to this popular vehicle, at least for the near future.

Car Insurance for Hyundai Sonata

How much does it cost to insure a Hyundai Sonata?

On average, Hyundai Sonata insurance costs $2,863 per year for full coverage, according to rate data from Quadrant Information Services. This breaks down to monthly installments of $239.

Car insurance rates for the Hyundai Sonata vary depending on factors like the cost of parts, trim level and the vehicle safety features. While the Sonata is generally affordable to insure thanks to its strong crash test ratings, several other factors such as higher trims with more advanced equipment or pricier components may lead to higher premiums.

$2,879 Avg annual full coverage
insurance premium

$860 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $26,900

Trims available: SE, SEL, SEL Convenience and N Line

Repair costs

The 2025 Hyundai Sonata uses widely available parts and has a reputation for being relatively affordable to maintain. Lower repair costs can help keep insurance premiums more budget-friendly compared to luxury or performance sedans.

Safety features

Standard safety tech like forward collision-avoidance assist can help reduce the likelihood of accidents. These features may qualify for insurance discounts, helping lower the overall cost of coverage.

Crash ratings

The Sonata was the Insurance Institute of Highway Safety's 2024 Top Safety Pick. Strong crash performance can help reduce insurance premiums as insurers view the vehicle as safer for occupants in the event of an accident.

Cheapest car insurance companies for a Hyundai Sonata

The best way to find a competitive rate for your Hyundai Sonata car insurance is to compare quotes from multiple providers, since each insurer weighs factors like your driving history, location and coverage needs differently. We’ve compiled average rates from top insurance companies in the table below to give you a solid foundation for your research without sacrificing important elements like available discounts or customer service.

How much does it cost to insure my Hyundai Sonata?

These average rates are a good starting point, but will vary from your final insurance premium. For your specific rates, consider shopping around and comparing quotes based on your driving profile.

2023 Hyundai Sonata car insurance premium by carrier


Auto-Owners	$1,971	-908
Geico	$2,347	-532
Nationwide	$2,435	-444
Plymouth Rock	$2,923	44
USAA	$2,134	-745

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Hyundai Sonata

For your new Sonata, state-required coverage may not be enough to protect your vehicle financially. While it might be tempting to go with the cheapest policy, bare-bones coverage doesn’t pay out to replace or repair your car if you are at fault for an accident. To help protect your finances, consider adding these coverage options to your policy:

Comprehensive coverage: Helps cover damage to your car from unexpected events like storms, theft or falling objects.
Collision coverage: This coverage may pay to repair or replace your vehicle if it's damaged in a crash, regardless of fault.
Gap insurance: Gap insurance steps in to cover the difference between what you owe on your loan or lease, and your car's actual cash value if it's deemed a total loss from a covered claim.

How to get a Hyundai Sonata car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare the Hyundai Sonata with other similar cars

Hyundai Sonata Avg annual full coverage premium $2,879 Read More	Toyota Camry Hybrid Avg annual full coverage premium $2,825 Read More	Honda Accord Avg annual full coverage premium $2,735 Read More
Price (MSRP)
$26,900	$28,700	$28,295
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
29 mpg	44 mpg	32 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Substantially worse than average	Worse than average	Average

Frequently asked questions

The Hyundai Sonata is generally not considered expensive to insure compared to other midsize sedans. Thanks to its strong safety ratings, moderate repair costs and wide availability of parts, insurers tend to offer competitive rates for this make and model. However, your premium will still depend on your individual factors, like your driving history and location. Additionally, Sonatas with higher trim packages may cost slightly more to insure.
Older cars are often cheaper to insure because they typically have lower market values, which means insurers won't have to pay as much if the vehicle is totaled. Additionally, older models may not require full coverage if they're paid off, further reducing premium costs.
No, the Hyundai Sonata is not being discontinued. While there were rumors and reports of a phase-out in 2023, Hyundai has since released a refreshed 2024 Sonata with updated styling and improved performance options. This update signals the brand's continued commitment to this popular vehicle, at least for the near future.

Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.