Hyundai Sonata Car Insurance Quotes (2025)
Hyundai Sonata owners pay an average of $111 per month for basic liability coverage and $210 per month for full-coverage insurance.
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Written byBen Luthi
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
The Hyundai Sonata is ranked among the best midsize cars, and the sporty sedan has a five-star safety rating from the National Highway Traffic Safety Administration (NHTSA).[1] With a starting price in the mid-$20,000 range, the Sonata’s insurance costs are in line with similar models, like the Honda Accord, Toyota Camry, and Nissan Altima.
On average, insuring a Sonata with liability-only coverage costs $1,332 annually, with full coverage costing $2,520. But your rate may vary depending on where you live, your Sonata’s age, and your driver profile. Here’s what you need to know about finding car insurance for your Hyundai Sonata.
Quick Facts
Despite a relatively low starting manufacturer’s suggested retail price (MSRP), a Hyundai Sonata is slightly more expensive to insure than the national average.
USAA, State Farm, and Allstate have some of the cheapest rates for Sonata coverage.
Hyundais are backed by a 10-year/100,000-mile powertrain warranty, which is one of the longest in the industry.
Cost of Hyundai Sonata insurance by model year
The Hyundai Sonata’s average monthly insurance premium is $160, but that rate varies depending on your vehicle’s age. Newer models are often more expensive to insure due to higher repair and replacement costs, but there may be some exceptions.
USAA, State Farm, and Allstate offer some of the cheapest insurance rates for the Sonata. The table below shows average monthly quotes for model years back to 2016.
Model Year  | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| 2025 | $270 | $143 |
| 2024 | $261 | $138 |
| 2023 | $260 | $138 |
| 2022 | $249 | $132 |
| 2021 | $237 | $126 |
| 2020 | $230 | $122 |
| 2019 | $226 | $120 |
| 2018 | $220 | $117 |
| 2017 | $215 | $114 |
| 2016 | $211 | $112 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2025 Hyundai Sonata base model’s starting MSRP is $26,900. The model’s most expensive trim, the N Line, is priced at $35,500.
Here’s a look at average insurance rates from several major companies for the 2025 Sonata.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $135 $70 State Farm $162 $83 Allstate $181 $92 GEICO $200 $103 American Family $208 $106 Progressive $213 $152 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 Hyundai Sonata’s starting sticker price was $28,650, according to Kelley Blue Book (KBB).
The table below shows average rates by insurer for this model year.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $131 $68 State Farm $157 $80 Allstate $175 $88 GEICO $193 $99 American Family $201 $102 Progressive $206 $146 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When it was new, the 2023 Hyundai Sonata’s base-model MSRP was $26,565.
In the table below, you can see how average insurance costs vary based on the company you choose.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $130 $68 State Farm $156 $80 Allstate $174 $88 GEICO $192 $99 American Family $200 $102 Progressive $205 $146 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2022, the Hyundai Sonata’s entry-level model had an MSRP of $25,595.
See how average insurance rates for this model year compare across various companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $125 $65 State Farm $149 $77 Allstate $167 $84 GEICO $184 $95 American Family $192 $98 Progressive $197 $140 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The starting MSRP for a brand-new 2021 Hyundai Sonata base model was $24,955. The following table shows how average costs compare from one insurer to another.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $119 $62 State Farm $142 $73 Allstate $159 $81 GEICO $175 $91 American Family $182 $93 Progressive $187 $134 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
For the 2020 model year, the Hyundai Sonata had a starting MSRP of $24,595 for its base trim.
The table below shows how insurance premiums differ among top companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $115 $60 State Farm $138 $71 Allstate $154 $78 GEICO $170 $88 American Family $177 $90 Progressive $182 $129 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
At launch, the most affordable 2019 Hyundai Sonata was priced at $23,580. Here’s a look at how average rates can vary based on which insurance company you choose.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $113 $59 State Farm $136 $70 Allstate $151 $77 GEICO $167 $86 American Family $174 $89 Progressive $179 $127 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2018 Hyundai Sonata debuted with a base MSRP of $22,935. Average insurance premiums can vary considerably by insurer, as shown in the table below.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $110 $57 State Farm $132 $68 Allstate $147 $75 GEICO $163 $84 American Family $169 $87 Progressive $174 $124 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When it was released, the 2017 Sonata had a base price of $22,435. Check out the table below for average quotes from several well-known insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $108 $56 State Farm $129 $66 Allstate $144 $73 GEICO $159 $82 American Family $166 $84 Progressive $170 $121 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
If you bought a 2016 Hyundai Sonata new, the base model would’ve cost $22,135.
The table below shows how average rates compare across several top insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $106 $55 State Farm $127 $65 Allstate $141 $72 GEICO $156 $81 American Family $162 $83 Progressive $167 $119 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Hyundai insurance by state
Your location affects your car insurance premium significantly due to factors like weather patterns, accident rates, and the risk of theft and vandalism.[2] The map below shows the average cost by state to insure a Hyundai, according to Insurify data.
Alaska and Hawaii are not included due to insufficient data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $146 |
| Arizona | $178 |
| Arkansas | $263 |
| California | $247 |
| Colorado | $225 |
| Connecticut | $343 |
| Delaware | $252 |
| Florida | $236 |
| Georgia | $255 |
| Idaho | $128 |
| Illinois | $174 |
| Indiana | $148 |
| Iowa | $124 |
| Kansas | $169 |
| Kentucky | $222 |
| Louisiana | $227 |
| Maine | $152 |
| Maryland | $347 |
| Massachusetts | $182 |
| Michigan | $284 |
| Minnesota | $200 |
| Mississippi | $213 |
| Missouri | $198 |
| Montana | $170 |
| Nebraska | $179 |
| Nevada | $288 |
| New Hampshire | $116 |
| New Jersey | $182 |
| New Mexico | $163 |
| New York | $483 |
| North Carolina | $96 |
| North Dakota | $141 |
| Ohio | $132 |
| Oklahoma | $182 |
| Oregon | $165 |
| Pennsylvania | $177 |
| Rhode Island | $151 |
| South Carolina | $276 |
| South Dakota | $132 |
| Tennessee | $153 |
| Texas | $242 |
| Utah | $188 |
| Vermont | $155 |
| Virginia | $197 |
| Washington | $164 |
| Washington D.C. | $352 |
| West Virginia | $161 |
| Wisconsin | $136 |
| Wyoming | $122 |
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How to ensure you have enough coverage on your Hyundai Sonata
From cracked windshields to theft and major collisions, the right car insurance coverage can protect you from financial stress. As you review your coverage needs and budget, consider the following key insurance types:[3]
Liability coverage
Every state except New Hampshire requires liability insurance, which pays for injuries and property damage you cause to others in an accident. While you can save money up front by sticking to your state’s minimum, many experts suggest higher coverage limits to protect yourself financially.[4]
Other state-mandated coverages
Some states require additional insurance, such as personal injury protection (PIP), medical payments coverage, or uninsured/underinsured motorist coverage. Make sure you understand your state’s laws to avoid penalties.
Collision coverage
Collision insurance pays for your vehicle’s repairs if it’s damaged in a crash with another car or object. If you own your car outright and can afford to cover repairs, you might consider skipping collision coverage. Opting for a higher deductible can also reduce your premium.
Comprehensive coverage
Comprehensive insurance covers damage unrelated to collisions — think theft, vandalism, fire, or natural disasters. If you finance your vehicle, your lender will likely require a full-coverage policy (including comprehensive and collision coverage).[5] Still, you can consider dropping it once you’ve paid off your loan or your car’s value declines.
Optional add-ons
Many insurers offer extra features like rental car reimbursement, roadside assistance, and accident forgiveness. Depending on your needs and budget, these coverages can provide more protection and convenience.
Hyundai Sonata car insurance FAQs
Below, you’ll find answers to some frequently asked questions about Hyundai Sonata car insurance coverage.
On average, USAA offers the cheapest coverage for Hyundai Sonata drivers. But State Farm and Allstate also offer cheap rates.
Compared to all vehicles in the U.S., the Hyundai Sonata is slightly more expensive to insure on average. But coverage costs are roughly the same relative to similar midsize sedans.
On average, insuring a Hyundai Sonata costs $111 per month for liability-only insurance and $210 for a full-coverage policy, according to Insurify data.
The Hyundai Sonata has a five-star safety rating from the National Highway Traffic Safety Administration. It also checks all the boxes for standard features, and drivers benefit from an impressive manufacturer’s warranty.
But the Sonata offers less rear legroom compared to other midsize sedans, and the stylish exterior conceals a more modest interior.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- National Highway Traffic Safety Administration. "2025 Hyundai Sonata."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- Insurance Information Institute. "How much auto coverage do I need?."
- National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage."
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.