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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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).[?] 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.[?] 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.
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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:[?]
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.
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