How much is insurance on a Hyundai Sonata?

A 2024 Hyundai Sonata runs about $2,160 a year for a typical 45-year-old, $220 more than an average car of the same age, because of higher crash-repair losses, more injury claims, higher non-crash losses, and more damage to others' property. Putting a new 16-year-old on a family policy with the Sonata adds about $1,430 a year (#6 of 9 midsize four-door cars we compare).

2024 Hyundai Sonata (Sonata AWD), national average

about $2,160 a year (about $180 a month)

Estimated range: $1,600–$3,150. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Sonata drops to about $1,630 (see the table below).

A Hyundai Sonata from the 2020–present generation. Photo: MercurySable99, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Sonata AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Sonata's rank is the same in every state.

Why the Hyundai Sonata costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Hyundai Sonata, on HLDI's scale where 100 is an average car and lower is better, it reports 136 for crash repairs, 116 for non-crash damage, 112 for damage to others' property, and 133 for injury claims.

Crash repairs (collision)fixing this car after a crashWorse than average36% worse than average8th best of the 9 midsize four-door cars we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage16% worse than average8th best of the 9 midsize four-door cars we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage12% worse than average5th best of the 9 midsize four-door cars we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costWorse than averagefiled 33% more often than average4th best of the 8 midsize four-door cars we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Sonata comes out about 30% worse than average. We count about a third of that difference, so the part of the bill that fixes the car is about 10% more than average: about $1,050 a year vs $950. On the liability side, damage to others and injury claims combine to about 24% worse than average. We count about half, so that part is about 12% more: $1,110 a year vs $990.

How the math works

In EPA size classes, the Sonata is a large car (gas-powered). In Highway Loss Data Institute loss tables, the Hyundai Sonata is benchmarked against midsize four-door cars.

This car's repair losses run a bit above the cars we could check against real prices, so the range reaches higher.

Matched to HLDI series “Hyundai Sonata” (HLDI, 2022–24 models).

A used Hyundai Sonata, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Sonata AWD (0–3 years old)	about $2,160	about $1,110	+$1,430	about $6,200
2022 Sonata (4–7 years old)	about $2,040	about $1,110	+$1,340	about $5,840
2018 Sonata (8–12 years old)	about $1,620	about $840	+$1,070	about $4,630
2013 Sonata (13 or more years old)	about $1,630	about $990	+$1,080	about $4,680

Our catalog covers the Hyundai Sonata across model years 2006–2027. Full coverage on a used 2013 Sonata (13 or more years old) runs about $1,630 a year, $530 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $990 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Hyundai Sonata trims, full coverage goes from about $2,080 a year on the Sonata Hybrid to about $2,160 on the Sonata FWD, because HLDI's loss results differ by body, drive, or powertrain.

Sonata Hybrid: about $2,080
Sonata AWD; Sonata FWD: about $2,160

On a policy of their own with a 2024 Hyundai Sonata, a 22–25-year-old pays about $2,810 a year ($650 more than a 45-year-old), a 26–39-year-old about $2,400, and a driver 65 and older about $2,270.

Adding a 16-year-old with a Hyundai Sonata

A new driver costs more with any car, and more than usual with the Hyundai Sonata: adding a 16-year-old raises the family bill by about $1,430 a year ($120 a month), $140 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,200 a year ($4,780 more than adding them to the family policy).

For adding a teen driver, the Hyundai Sonata ranks 23rd most expensive out of all 121 models we track. Stepping down to a used 2013 Sonata (13 or more years old) brings the teen add-on to about $1,080 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize four-door cars

Among these 9 midsize four-door cars, the Hyundai Sonata is the 4th most expensive to insure. Right next to it are the Toyota Camry (about $2,090 a year) and the Chevrolet Malibu (about $2,250).

Photos from Wikimedia Commons contributors. Photo credits.

What a Hyundai Sonata costs in your state

In six sample states, a 2024 Hyundai Sonata runs from about $1,440 a year in North Dakota through New Hampshire, Tennessee, Pennsylvania and Delaware to about $2,590 in Texas:

North Dakotaabout $1,440/yr · +$950 teen
New Hampshireabout $1,550/yr · +$1,020 teen
Tennesseeabout $1,820/yr · +$1,200 teen
Pennsylvaniaabout $1,910/yr · +$1,260 teen
Delawareabout $2,360/yr · +$1,560 teen
Texasabout $2,590/yr · +$1,710 teen

All 50 states and DC · Updated November 5, 2026.

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