Hyundai Sonata Insurance Cost
The Hyundai Sonata is a mid-size sedan with an average insurance cost of $1,520/yr. It carries a IIHS Top Safety Pick+ safety rating and high theft risk. See how costs break down by year below.
Quote My Sonata$1,520/yr
Avg. Annual Insurance
IIHS Top Safety Pick+
Safety Rating
High
Theft Risk
Mid-size Sedan
Body Type
Insurance Cost by Year — Hyundai Sonata
About Hyundai Sonata Insurance
The Hyundai Sonata is a popular mid-size sedan that averages $1,520/yr in annual insurance premiums. This places it below the national average of approximately $1,770 per year.
With a IIHS Top Safety Pick+ safety rating, the Sonata is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The high theft risk also contributes to higher comprehensive coverage premiums.
Insurance costs vary by model year — newer Sonatas (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Hyundai Sonata insurance cost?
The average insurance cost for a Hyundai Sonata is $1,520/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Hyundai Sonata expensive to insure?
Compared to the national average of about $1,770/yr, the Hyundai Sonata at $1,520/yr is below average in insurance cost. As a mid-size sedan, it falls within the typical range for its class.
What is the Hyundai Sonata's safety rating?
The Hyundai Sonata has a IIHS Top Safety Pick+ safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Hyundai Sonata a theft target?
The Hyundai Sonata has a high theft risk rating. Higher theft risk means comprehensive coverage will be more expensive. Consider anti-theft devices for potential discounts.
How can I get cheap Hyundai Sonata insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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