Cost of Genesis Car Insurance (2024)

Launched by Hyundai, Genesis is a luxury car brand with a more affordable price point than some other luxury brands.^[1] Genesis sells several car models, including SUVs, sedans, and electric vehicles.

On average, drivers with a Genesis vehicle pay $255 per month for full-coverage insurance and $115 for liability coverage. That’s more expensive than the U.S. national average rate of $202 per month for full coverage and $105 for liability coverage.

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Cost of Genesis insurance by model

In addition to personal information, like your age, location, and driving record, your vehicle model can affect your car insurance costs.

In the table below, you can compare average monthly liability-only and full-coverage insurance quotes for some of the most popular Genesis models.

Cheapest Genesis insurance by model

If you’re in the market for a Genesis, it’s a good idea to compare auto insurance quotes from multiple companies for each vehicle model you’re interested in. You can decide which options make the most financial sense for you based on the vehicle offerings, price, and average cost to insure.

Learn more about some of the most popular Genesis models below, and start comparing quotes to find the best price for you.

Genesis G70

On average, car insurance for a Genesis G70 is more expensive than coverage for most other Genesis models, though it’s similar to the cost of coverage for a Genesis G80. The 2023 version of this luxury sports sedan has a starting MSRP of $39,400. The coupe-like four-door vehicle has a modern interior and safety assistance features.

Below, you can compare the average monthly cost of coverage for a G70 vehicle from various car insurance companies.

Genesis G80

The Genesis G80 is a luxury midsize sedan with a starting MSRP of $54,150. It earned a five-star safety rating from the National Highway Traffic Safety Administration (NHTSA) in 2023.^[3] Its high safety rating and top-notch safety features may be why it’s a bit cheaper to insure than the G70.

Here are the cheapest car insurance companies for insuring a Genesis G80.

Genesis G90

A luxury full-size sedan, the G90 has a starting MSRP of $88,400 and is the highest-priced Genesis sedan. Despite this, car insurance for the G90 costs less on average than rates for the G70 and G80 sedans.

Below, you can compare the cheapest car insurance companies for the Genesis G90.

Genesis GV70

The Genesis GV70 is a small luxury SUV. With a starting MSRP of $44,900, the 2024 GV70 is one of the cheaper Genesis models to buy. Full-coverage car insurance rates for the GV70 are less expensive than average rates for most other Genesis models.

Here are the cheapest car insurance companies for insuring a GV70.

Genesis GV80

The Genesis GV80 has a starting MSRP of $57,450, which makes it more expensive than most Genesis models. Average insurance premiums for the vehicle are also higher than every Genesis vehicle except for the G70.

See which insurance companies offer the lowest auto insurance quotes for a GV80 in the table below.

Best companies for Genesis car insurance

Fortunately, many companies offer good insurance options for Genesis vehicles. Before you buy auto insurance for your Genesis, you should compare personalized car insurance quotes from multiple companies to find the best deal for your unique situation.

Here are a few of the best companies with cheap rates for insuring your Genesis:

Best for active-duty military members, veterans, and their families: USAA

Military Members, Veterans, and Their Families

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User Reviews	4.9 940 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$45/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$99/mo

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Driver Reviews

4.9

Best choiceBased on 1,646 verified guest reviews and ratings

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

880

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.35

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.

Pros

• High customer satisfaction

• Low premiums

• SafePilot program rewards good driving with up to 30% discount

Cons

• Only available to active-duty military, veterans, military spouses, or children of service members or veterans

• No 24/7 customer phone support

• Customer reviews are mixed for service and claims processing

Best for overall customer satisfaction: State Farm

customer satisfaction

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User Reviews	4.2 5,080 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$54/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$119/mo

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Driver Reviews

4.2

Best choiceBased on 9,243 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros

• High rates of customer satisfaction

• Rideshare insurance available

• Savings for bundling auto with home, renters, condo, or life insurance

Cons

• No gap insurance offering

• May not be the cheapest choice for drivers with violations

• Accident forgiveness limited to longtime customers with clean driving records

Best for drivers older than 25: GEICO

Drivers Older than 25

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User Reviews	4.0 5,755 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.0 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$54/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$118/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 10,464 verified guest reviews and ratings

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (5,755)

Dianna

December 19, 2024

Verified Review

Roadside Assistance

When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.

Alan

December 18, 2024

Verified Review

Satisfied but too expensive

My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.

Samol

December 18, 2024

Verified Review

Geico is Good Insurance

It's excellent, but after a few accidents, the rates are creeping upwards.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.

Pros

• Good rates for good drivers, seniors, and young drivers

• Accident forgiveness available

• A+ (Superior) financial strength rating from AM Best

Cons

• High rates for drivers with certain violations, like DUIs

• No rideshare or new car replacement coverage available

• Lower customer satisfaction scores from J.D. Power

Genesis car insurance coverages

Most states require you to carry a minimum amount of liability car insurance. A liability auto insurance policy is the cheapest car insurance you can buy, but it only covers the other driver’s property damage and medical bills after an accident where you’re at fault.

It’s a good idea to purchase optional coverage beyond your state’s minimum coverage requirements to access higher levels of protection. Here’s a look at some of the most common optional car insurance coverages:

• 

  Collision coverage

  Collision coverage can kick in if you have to repair or replace your vehicle following an accident with another driver or stationary object. This coverage applies regardless of fault.

• 

  Comprehensive coverage

  Also known as “other than collision” coverage, comprehensive insurance covers damage from non-collision events, like theft, vandalism, and severe weather.

• 

  Gap insurance

  Gap insurance stands for “guaranteed asset protection.” If you total your Genesis in an accident — or someone steals your vehicle — and you still owe more than its value on the loan, this policy will pay off the remaining balance. You can speak to an insurance agent to determine if gap insurance is right for your needs.^[4]

• 

  Roadside assistance

  Though policy specifics vary by insurer, a roadside assistance service plan helps drivers get back on the road by covering services like tire changes, jump-starts, lock-out assistance, and more.

Genesis car insurance FAQs