Home Car insurance Insurance rates by car How much does insurance cost for a 2024 Hyundai Sonata? How much does insurance cost for a 2024 Hyundai Sonata? View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Posted on: October 21, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When people shop for a car, most focus on the sticker price, fuel economy, or the features that stand out. But insurance is another big part of the total cost of ownership – and it can change quite a bit from one driver to the next.Full coverage – which includes liability, collision, and comprehensive – costs closer to $2,639 per year ($220 per month) based on limits of 100/300/100 with $500 deductibles.2024 Hyundai Sonata insurance premiums by state Insurance rates can look very different depending on where you live. Your ZIP code plays just as big a role in what you pay as factors like your age or driving record. That means the cost to insure a Sonata in California could be much higher-or lower-than in Florida. Below, we break down the states where car insurance is the most affordable, and where it’s the most expensive.Cheapest states to insure a 2024 Hyundai SonataHawaii has the cheapest car insurance rates for 2024 Hyundai Sonata drivers at an average cost of $1,572 a year or $131 per month. Other affordable states include Idaho, Maine, Ohio and Virginia.The table below shows the cheapest states to insure a 2024 Hyundai Sonata. State nameAverage annual premiumHawaii$1,572Idaho$1,681Maine$1,714Ohio$1,777Virginia$1,865Powered by:Most expensive states to insure a 2024 Hyundai SonataAt the other end of the spectrum, Louisiana is the most expensive state for car insurance at $4,218 per year. Michigan comes next at $3,665 annually, followed by Georgia at $3,540.The table below shows which states have the most expensive 2024 Hyundai Sonata insurance rates.State nameAverage annual premiumLouisiana$4,218Michigan$3,665Georgia$3,540Texas$3,511Colorado$3,440Powered by:Breaking down 2024 Hyundai Sonata insurance cost by trim level Insurance costs don’t just depend on the make and model of your car – the trim level you choose can also affect your premium. Higher trims often come with bigger price tags, more powerful engines, or advanced tech features, all of which can raise the cost of coverage.Below, you’ll see how car insurance rates for the 2024 Hyundai Sonata compare across trim levels.TrimAverage annual premiumSonata Hybrid Limited$2,729Sonata Hybrid SEL$2,627Sonata N Line$2,688Sonata SEL$2,606Powered by:Factors that affect 2024 Hyundai Sonata car insurance premiumsInsurance for a 2024 Hyundai Sonata doesn’t come with a one-size-fits-all price. Premiums vary based on factors like the vehicle’s age, trim level, driver profile, and the coverage limits selected. Here’s how it breaks down: Vehicle-related factorsVehicle value. Newer or higher-priced models generally cost more to insure since repairs and replacements are more expensive.Repair costs. If the Sonata has above-average repair or parts expenses, insurers factor that in with higher premiums.Safety ratings. Strong crash-test scores and features like airbags, lane assist, and anti-lock brakes can lower rates and may even earn discounts.Theft risk. Models that are commonly stolen tend to have higher insurance costs.Personal factorsAge and gender. Younger and less experienced drivers usually face higher premiums.Location. Living in a densely populated area with more accidents or thefts often leads to higher insurance rates.Driving history. A clean record can help lower your costs, while tickets or accidents can quickly raise them.Annual mileage. The more time your Sonata spends on the road, the greater the risk, and insurers typically charge more as a result.Policy choicesCoverage level. Full coverage policies cost more than liability-only, but they offer broader protection.Deductible amount. A higher deductible can lower your premium, but it also means paying more out of pocket if you file a claim.Optional add-ons. Features like roadside assistance, gap insurance, or rental reimbursement provide extra peace of mind but increase the total premium. Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Cheapest insurance companies for a 2024 Hyundai SonataGEICO offers the lowest average premium for a 2024 Hyundai Sonata at $2,107 per year. Other companies with competitive rates include State Farm, Nationwide, and Progressive.The table below shows the companies with the most affordable 2024 Hyundai Sonata insurance rates.Company groupAverage annual premiumGEICO$2,107State Farm$2,310Nationwide$2,485Progressive$2,498Allstate$3,200Farmers$3,453Powered by:How to lower 2024 Hyundai Sonata insurance premiumsHere are some ways to bring down your car insurance costs.Shop around for quotes. Compare rates from multiple insurers, since each company evaluates risk differently.Adjust your coverage. If your vehicle is older or you don’t drive often, you may save by lowering your limits or dropping extras you don’t need.Raise your deductible. A higher deductible means paying more out of pocket after a claim, but it usually lowers your monthly premium.Take advantage of discounts. Look for savings tied to safe driving, bundling home and auto, low mileage, or built-in safety features.Keep a clean driving record. Avoiding accidents and tickets is one of the most reliable ways to keep premiums low.Consider usage-based insurance. Some insurers offer telematics programs that track driving habits and reward safe drivers with discounts.Sonata insurance premiums by model yearInsurance rates for the Sonata change depending on the model year. In most cases, newer vehicles cost more to insure because they carry a higher market value and advanced technology that makes repairs more expensive. Rising labor and repair costs over the years have also pushed premiums higher across the board.Below, you can compare average insurance premiums for the 2024 Hyundai Sonata by model year.Model yearAverage annual premium2014$1,9702015$2,0942016$2,2312017$2,3012018$2,3342019$2,4282020$2,4512021$2,4302022$2,4972023$2,5592024$2,639Powered by:How expensive is it to insure a 2024 Hyundai Sonata?It costs an average of $2,639 per year to insure a 2024 Hyundai Sonata, which is $24 less than the national average of $2,663.Insurance premiums are influenced by many factors, including the vehicle’s make and model. The best way to find savings is to compare quotes from several insurers, ensuring you get coverage that balances affordability with solid protection for your 2024 Hyundai Sonata.MethodologyInsure.com commissioned Quadrant Information Services to get insurance rates for new and used vehicles. The rates are based on a sample profile of a 40-year-old male driver with a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles. We’ve compared 1,661 makes and models and 67,566,780 insurance quotes from 57 companies across 510 ZIP codes. The rates are for insurance purposes only; your exact rates may vary. You might find interesting Average Chevrolet Equinox car insurance cost for 2025Average Chevrolet Silverado car insurance cost for 2025Average Ford Escape car insurance cost for 2025Average Ford Explorer car insurance cost for 2025Average Ford F-Series car insurance cost for 2025Average GMC Sierra car insurance cost for 2025Average Honda Accord car insurance cost for 2025Average Honda Civic car insurance cost for 2025Average Honda CR-V car insurance cost for 2025Average Hyundai Tucson car insurance cost for 2025Average Jeep Grand Cherokee car insurance cost for 2025Average Jeep Wrangler car insurance cost for 2025Average Mazda CX-5 car insurance cost for 2025Average Nissan Rogue car insurance cost for 2025Average Ram Pickup car insurance cost for 2025Average Subaru Crosstrek car insurance cost for 2025Average Subaru Forester car insurance cost for 2025Average Subaru Outback car insurance cost for 2025Average Tesla Model 3 car insurance cost for 2025Average Tesla Model Y car insurance cost for 2025Average Toyota Camry car insurance cost for 2025Average Toyota Corolla car insurance cost for 2025Average Toyota Highlander car insurance cost for 2025Average Toyota RAV4 car insurance cost for 2025Average Toyota Tacoma car insurance cost for 2025How much does insurance cost for a 2019 Ford Edge?How much does insurance cost for a 2019 GMC Acadia?How much does insurance cost for a 2022 Cadillac XT6?How much does insurance cost for a 2023 Acura Integra?How much does insurance cost for a 2023 Buick Envision?How much does insurance cost for a 2023 Chevrolet TrailBlazer?How much does insurance cost for a 2023 Hyundai Elantra?How much does insurance cost for a 2023 Jeep Renegade?How much does insurance cost for a 2024 Audi Q5?How much does insurance cost for a 2024 Ford F-150?How much does insurance cost for a 2024 Hyundai Kona?How much does insurance cost for a 2024 Hyundai Santa Fe?How much does insurance cost for a 2024 Mini Cooper?How much does insurance cost for a 2024 Tesla Model S?How much does insurance cost for a 2024 Toyota Sienna?Show more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2025? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? How does mileage affect car insurance rates in 2025? What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month a lot for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2025? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page 2024 Hyundai Sonata insurance premiums by state Breaking down 2024 Hyundai Sonata insurance cost by trim level Factors that affect 2024 Hyundai Sonata car insurance premiumsCheapest insurance companies for a 2024 Hyundai SonataHow to lower 2024 Hyundai Sonata insurance premiumsSonata insurance premiums by model yearHow expensive is it to insure a 2024 Hyundai Sonata?Methodology ZIP Code Please enter valid ZIP See rates (844) 645-3330