Is it cheaper to insure a Hyundai Sonata or a Toyota Camry?

UPDATED: Aug 8, 2014

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Asked August 8, 2014

1 Answer


The Hyundai Sonata and Toyota Camry are very closely priced, from the base cost to the amount you will pay for insurance. Over a 5 year ownership period, there is just over $1000 difference in total cost. Of this difference, insurance is the single greatest disparity, and amounts to a higher difference than the actual cost to own total. The Camry has a higher overall maintenance cost, offsetting the savings you would have in other areas.

Insuring a Hyundai Sonata for 5 years would have a total estimated cost of $8,590, or roughly $1716 per year. A Toyota Camry has a general yearly insurance cost of $2149, or a total 5 year estimate of around $10,757. This difference drives the cost of owning a Camry above the Sonata, where the Hyundai would otherwise be a less expensive vehicle.

When comparing the cost of insurance, keep in mind that insurance rates are based on more than the vehicle alone, and you may actually pay more for either vehicle. For insurance estimates, the cost is based on a driver with an excellent driving history and a superior credit score. If you have less than perfect records in either of these areas, or have other factors which increase your individual costs, you can expect your premiums to be higher than these estimates, and may actually see much higher costs.

For practical purposes, a total cost to own difference of around $1000 is negligible, and should not be the sole basis of your buying decision. For the insurance consideration alone, however, it should be noted that the $2,000 difference is almost certainly related to the Toyota having a lower highway safety rating, and may indicate a safety deficiency that could lead to dangerous driving or increased risk for you and your family. For this reason alone, it may be in your best interest to consider the Hyundai Sonata as your vehicle of choice.

Answered August 8, 2014 by Anonymous

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