Genesis is Hyundai's luxury vehicle line. Hyundai's Genesis line includes luxury sedans, coupes, SUVs, and electric vehicles; however, certain models have been discontinued. No matter which type of Genesis you drive, it needs to be protected with the right car insurance.
When you're looking for the best Hyundai Genesis insurance, an independent insurance agent can help you. These agents know which local insurance companies offer Hyundai insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Hyundai Genesis by model year and top-rated insurance company in 2026.
Key Takeaways - Hyundai Genesis Car Insurance
Hyundai Genesis G80 insurance costs an average of $2,923 per year, or approximately $244 per month, for full coverage in 2026.
Erie, Nationwide, and American Family are the cheapest carriers for model-year 2025 Hyundai Genesis G80 insurance this year.
Your age, location, credit, and driving history can all impact the cost of Hyundai Genesis insurance.
Teens and young drivers pay the most, on average, for Hyundai Genesis insurance, while adults pay the least until they reach age 65, and rates begin to climb again.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Hyundai Genesis model.
What Is Hyundai Genesis Insurance?
Hyundai Genesis insurance is a special type of car insurance policy that includes custom coverage designed to protect your unique vehicle. Depending on the type of Genesis you drive (e.g., sedan, SUV, or electric vehicle), you may need additional coverage beyond that of a standard car. Luxury vehicles can also require more coverage. For rates across other Hyundai models, see our full guide to Hyundai car insurance.
Recommended coverage options for Hyundai Genesis drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
Add-on coverage options worth considering for a Hyundai Genesis:
- Hyundai warranty insurance: This can extend Hyundai's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Hyundai parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Hyundai vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
A local independent insurance agent can help you compare Hyundai Genesis car insurance rates in your area, whether you drive a Hyundai Genesis Coupe or a Hyundai Genesis SUV.
How Much Does Hyundai Genesis Insurance Cost?
The average cost of car insurance for a Hyundai Genesis G80 is $2,923 per year, or approximately $244 per month, for full coverage. Full coverage for a Hyundai Genesis GV70 averages $2,572 per year, or approximately $214 per month, and for a Hyundai Genesis GV80, $2,684 per year, or approximately $224 per month. However, several factors can influence the cost of Genesis insurance, including:
- The specific type of Genesis you drive
- Your driving history
- Your credit score (where allowed)
- Your location
- The types and amount of coverage you need
- Your claims history
An independent insurance agent can help you find affordable coverage, whether you're looking for Hyundai Genesis full coverage insurance or a basic Hyundai Genesis liability insurance policy.
Is the Hyundai Genesis Expensive to Insure?
Yes, the Hyundai Genesis G80 is expensive to insure when compared to the average cost for all sedans. The average monthly cost of Hyundai Genesis G80 auto insurance is $244, while the average for other sedans is $203.
| Vehicle | Average Monthly Cost of Car Insurance |
| Hyundai Genesis G80 | $244 |
| All Sedans | $203 |
Hyundai Genesis Insurance Rates by Model and Driver Profile
The average cost of Hyundai Genesis car insurance depends on the type of Genesis you drive. It can also be influenced by other factors, including your driving history and credit. The table below compares average estimated costs for various Genesis models according to driving history and credit.
| Model | Clean Record | Accident on Record | Poor Credit |
| Genesis Electrified G80 Insurance Rates | $3,488 | $5,122 | $5,992 |
| Genesis G70 Insurance Rates | $5,112 | $7,507 | $8,782 |
| Genesis G80 Insurance Rates | $3,922 | $5,759 | $6,738 |
| Genesis G90 Insurance Rates | $3,830 | $5,623 | $6,579 |
| Genesis GV60 Insurance Rates | $2,570 | $3,774 | $4,415 |
| Genesis GV70 Insurance Rates | $2,213 | $3,250 | $3,802 |
| Genesis GV80 Insurance Rates | $2,907 | $4,268 | $4,993 |
| Genesis GV80 Coupe Insurance Rates | $3,325 | $4,882 | $5,711 |
Hyundai Genesis Insurance Costs by Model Year
Next, we'll break down several model years of the Hyundai Genesis G80 and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2025 Hyundai Genesis G80 | $3,774 |
| 2024 Hyundai Genesis G80 | $3,261 |
| 2023 Hyundai Genesis G80 | $3,270 |
| 2022 Hyundai Genesis G80 | $3,128 |
| 2021 Hyundai Genesis G80 | $3,039 |
| 2020 Hyundai Genesis G80 | $3,031 |
| 2019 Hyundai Genesis G80 | $2,769 |
| 2018 Hyundai Genesis G80 | $2,712 |
| 2017 Hyundai Genesis G80 | $2,384 |
Cheapest Hyundai Genesis Car Insurance Companies for 2026
Affordable Hyundai Genesis auto insurance is available from many auto insurance carriers. These top-rated car insurance companies provide the cheapest model-year 2025 Hyundai Genesis G80 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Erie | $2,337 |
| Nationwide | $2,524 |
| American Family | $2,565 |
| USAA | $2,602 |
| Progressive | $2,719 |
| Allstate | $7,973 |
Hyundai Genesis Car Insurance Rates by State and Driver Profile
Your location is another major factor that influences car insurance rates. Here are some average auto insurance costs for the Hyundai Genesis by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $3,625 | $5,264 | $6,701 |
| Alaska | $2,998 | $4,156 | $4,040 |
| Arizona | $3,389 | $4,900 | $7,218 |
| Arkansas | $3,716 | $5,838 | $6,429 |
| California | $4,137 | $7,316 | $4,137 |
| Colorado | $3,861 | $5,403 | $6,856 |
| Connecticut | $4,933 | $7,650 | $9,711 |
| Delaware | $4,084 | $5,442 | $6,990 |
| Florida | $4,862 | $6,727 | $8,766 |
| Georgia | $3,964 | $5,927 | $5,977 |
| Hawaii | $1,584 | $2,150 | $1,584 |
| Idaho | $2,751 | $3,647 | $4,434 |
| Illinois | $2,880 | $4,352 | $4,963 |
| Indiana | $2,958 | $4,522 | $5,075 |
| Iowa | $2,343 | $3,213 | $3,779 |
| Kansas | $3,117 | $4,536 | $5,305 |
| Kentucky | $4,506 | $6,615 | $7,812 |
| Louisiana | $5,785 | $8,745 | $9,482 |
| Maine | $2,188 | $3,024 | $4,464 |
| Maryland | $3,540 | $5,152 | $5,723 |
| Massachusetts | $2,839 | $4,952 | $2,839 |
| Michigan | $6,851 | $10,440 | $16,467 |
| Minnesota | $2,820 | $3,760 | $5,295 |
| Mississippi | $3,404 | $4,856 | $4,887 |
| Missouri | $3,208 | $4,586 | $6,025 |
| Montana | $3,261 | $4,550 | $5,297 |
| Nebraska | $2,757 | $4,077 | $4,429 |
| Nevada | $4,547 | $6,745 | $7,125 |
| New Hampshire | $3,163 | $5,002 | $6,323 |
| New Jersey | $3,485 | $5,468 | $7,155 |
| New Mexico | $3,559 | $5,294 | $5,495 |
| New York | $3,296 | $4,151 | $6,929 |
| North Carolina | $2,044 | $3,511 | $2,504 |
| North Dakota | $2,796 | $4,250 | $5,026 |
| Ohio | $2,493 | $3,846 | $3,943 |
| Oklahoma | $3,982 | $5,701 | $6,419 |
| Oregon | $3,623 | $4,862 | $5,807 |
| Pennsylvania | $3,052 | $4,481 | $5,243 |
| Rhode Island | $5,095 | $7,474 | $8,417 |
| South Carolina | $3,460 | $4,796 | $6,619 |
| South Dakota | $3,105 | $4,474 | $5,162 |
| Tennessee | $3,651 | $5,375 | $7,158 |
| Texas | $3,677 | $5,312 | $6,608 |
| Utah | $3,128 | $4,383 | $6,031 |
| Vermont | $2,408 | $3,708 | $3,920 |
| Virginia | $2,268 | $3,482 | $3,414 |
| Washington | $3,003 | $4,076 | $4,866 |
| West Virginia | $3,022 | $4,327 | $5,421 |
| Wisconsin | $3,012 | $4,702 | $5,363 |
| Wyoming | $2,812 | $3,937 | $4,192 |
Average Hyundai Genesis Insurance Rates by Driver Age and Profile
Your age can also dramatically impact car insurance costs. At age 25, car insurance rates plummet until about age 65, then gradually climb again. Here are some average auto insurance rates for Hyundai Genesis vehicles by driver age and profile in 2026.
| Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $10,798 | $15,856 | $18,550 |
| 20 | $8,321 | $12,219 | $14,294 |
| 25 | $4,875 | $7,159 | $8,375 |
| 30 | $3,798 | $5,577 | $6,524 |
| 35 | $3,557 | $5,223 | $6,110 |
| 40 | $3,421 | $5,023 | $5,876 |
| 45 | $3,329 | $4,888 | $5,718 |
| 55 | $3,053 | $4,483 | $5,244 |
| 65 | $3,184 | $4,676 | $5,470 |
| 75 | $4,019 | $5,902 | $6,904 |
Best Hyundai Genesis Insurance Discounts: How to Lower Your Hyundai Genesis Insurance Premiums
Though Hyundai Genesis insurance tends to be expensive, fortunately, there are several easy ways you can possibly lower your insurance premiums. Follow any of these simple steps below to start saving:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Hyundai may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about Hyundai Genesis insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Hyundai Genesis insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Hyundai Genesis insurance from a trusted carrier near you.
Local independent insurance agents can help you save the most money possible on Genesis insurance. They can also offer several additional strategies to help potentially bring your premiums down even further.
An Independent Insurance Agent Can Help You Get the Best Hyundai Genesis Insurance Quotes
When it's time to find the most affordable Hyundai Genesis insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Genesis insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Hyundai Genesis Insurance
How much does Hyundai Genesis insurance cost per year?
The average annual cost of full coverage for a Hyundai Genesis G80 is $2,923 per year, or approximately $244 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Hyundai Genesis insurance premiums?
Having accidents or traffic violations on your record, poor credit, or living in a high-theft area can all increase Genesis insurance premiums.
Is the Hyundai Genesis expensive to insure?
Yes, the Hyundai Genesis is expensive to insure, on average, when compared to other vehicles. While sedans in general average $203 per month for full coverage, the Genesis G80 averages $244 per month.
What are the best and cheapest carriers for Hyundai Genesis insurance in 2026?
We found that Erie, Nationwide, and American Family are the best and cheapest car insurance companies for model-year 2025 Hyundai Genesis G80 insurance this year.
Who makes Genesis cars?
Hyundai makes Genesis cars. Genesis is Hyundai's luxury vehicle line that includes sedans, SUVs, coupes, and electric vehicles.
How can I get cheaper Hyundai Genesis insurance?
Finding cheaper Hyundai Genesis insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/genesis/g80/
https://caredge.com/genesis/insurance
https://www.thezebra.com/auto-insurance/vehicles/hyundai/genesis/
https://www.thezebra.com/auto-insurance/vehicles/genesis/