If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
On average, Genesis car insurance costs an average of $3,654 a year or $305 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Genesis model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Genesis is $3,654 per year.
- The GV70 is the cheapest Genesis model to insure.
- Advanced safety features that come standard on Genesis models help lower your insurance costs.
Average cost of car insurance for a Genesis, by company
Car insurance premiums can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Genesis vehicles compare among different insurers in the table below.
Cost to insure a Genesis, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $2,154 | $1,077 | $179 |
| GEICO | $2,760 | $1,380 | $230 |
| State Farm | $2,943 | $1,471 | $245 |
| Nationwide | $3,064 | $1,532 | $255 |
| Progressive | $3,464 | $1,732 | $289 |
| Farmers | $4,541 | $2,271 | $378 |
| Allstate | $5,328 | $2,664 | $444 |
| USAA | $2,480 | $1,240 | $207 |
Genesis average insurance rates, by model
Genesis GV70 car insurance cost
The average car insurance premium for Genesis GV70 is $265 per month, which translates to $3,181 per year. The most affordable company for a Genesis GV70 is Travelers with a rate of $167 monthly or $2,007 per year.
Genesis GV60 car insurance cost
The average car insurance premium for Genesis GV60 is $282 per month, which translates to $3,387 per year. The most affordable company for a Genesis GV60 is Travelers with a rate of $164 monthly or $1,968 per year.
Genesis GV80 car insurance cost
The average car insurance premium for Genesis GV80 is $286 per month, which translates to $3,434 per year. The most affordable company for a Genesis GV80 is Travelers with a rate of $173 monthly or $2,074 per year.
Genesis Electrified GV70 car insurance cost
The average car insurance premium for Genesis Electrified GV70 is $293 per month, which translates to $3,520 per year. The most affordable company for a Genesis Electrified GV70 is Travelers with a rate of $165 monthly or $1,983 per year.
Genesis G70 car insurance cost
The average car insurance premium for Genesis G70 is $310 per month, which translates to $3,719 per year. The most affordable company for a Genesis G70 is Travelers with a rate of $182 monthly or $2,180 per year.
Genesis G80 car insurance cost
The average car insurance premium for Genesis G80 is $340 per month, which translates to $4,083 per year. The most affordable company for a Genesis G80 is Travelers with a rate of $220 monthly or $2,645 per year.
Insurance rates by car model
The average cost of car insurance for a Genesis, by age
The cost of Genesis car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Genesis by the driver’s age.
Cost to insure a Genesis, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Genesis Electrified G80 | $13,512 | $6,756 | $1,126 |
| 18 | Genesis Electrified GV70 | $11,742 | $5,871 | $979 |
| 18 | Genesis G70 | $12,062 | $6,031 | $1,005 |
| 18 | Genesis G80 | $13,165 | $6,582 | $1,097 |
| 18 | Genesis G90 | $16,046 | $8,023 | $1,337 |
| 18 | Genesis GV60 | $11,235 | $5,618 | $936 |
| 18 | Genesis GV70 | $10,438 | $5,219 | $870 |
| 18 | Genesis GV80 | $11,074 | $5,537 | $923 |
| 18 | Genesis GV80 Coupe | $13,305 | $6,653 | $1,109 |
Cost to insure a Genesis, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Genesis Electrified G80 | $4,173 | $2,087 | $348 |
| 40 | Genesis Electrified GV70 | $3,520 | $1,760 | $293 |
| 40 | Genesis G70 | $3,719 | $1,860 | $310 |
| 40 | Genesis G80 | $4,083 | $2,042 | $340 |
| 40 | Genesis G90 | $5,006 | $2,503 | $417 |
| 40 | Genesis GV60 | $3,387 | $1,694 | $282 |
| 40 | Genesis GV70 | $3,181 | $1,591 | $265 |
| 40 | Genesis GV80 | $3,434 | $1,717 | $286 |
| 40 | Genesis GV80 Coupe | $4,121 | $2,061 | $343 |
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Genesis car insurance rates by state
Your location significantly impacts your Genesis car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Genesis car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,397 | $1,699 | $283 |
| Alabama | $3,314 | $1,657 | $276 |
| Arkansas | $4,321 | $2,160 | $360 |
| Arizona | $3,744 | $1,872 | $312 |
| California | $4,396 | $2,198 | $366 |
| Colorado | $4,159 | $2,080 | $347 |
| Connecticut | $4,145 | $2,073 | $345 |
| Washington, D.C. | $4,823 | $2,411 | $402 |
| Delaware | $4,220 | $2,110 | $352 |
| Florida | $3,877 | $1,939 | $323 |
| Georgia | $3,577 | $1,789 | $298 |
| Hawaii | $1,962 | $981 | $163 |
| Iowa | $3,270 | $1,635 | $272 |
| Idaho | $2,578 | $1,289 | $215 |
| Illinois | $3,079 | $1,540 | $257 |
| Indiana | $2,606 | $1,303 | $217 |
| Kansas | $3,757 | $1,879 | $313 |
| Kentucky | $4,257 | $2,128 | $355 |
| Louisiana | $5,974 | $2,987 | $498 |
| Massachusetts | $3,163 | $1,582 | $264 |
| Maryland | $4,004 | $2,002 | $334 |
| Maine | $2,264 | $1,132 | $189 |
| Michigan | $5,090 | $2,545 | $424 |
| Minnesota | $3,300 | $1,650 | $275 |
| Missouri | $3,614 | $1,807 | $301 |
| Mississippi | $4,379 | $2,190 | $365 |
| Montana | $3,566 | $1,783 | $297 |
| North Carolina | $3,193 | $1,597 | $266 |
| North Dakota | $3,181 | $1,590 | $265 |
| Nebraska | $3,890 | $1,945 | $324 |
| New Hampshire | $2,424 | $1,212 | $202 |
| New Jersey | $3,762 | $1,881 | $313 |
| New Mexico | $3,898 | $1,949 | $325 |
| Nevada | $4,593 | $2,296 | $383 |
| New York | $3,878 | $1,939 | $323 |
| Ohio | $2,554 | $1,277 | $213 |
| Oklahoma | $4,152 | $2,076 | $346 |
| Oregon | $3,211 | $1,606 | $268 |
| Pennsylvania | $3,559 | $1,780 | $297 |
| Rhode Island | $3,852 | $1,926 | $321 |
| South Carolina | $3,956 | $1,978 | $330 |
| South Dakota | $4,142 | $2,071 | $345 |
| Tennessee | $3,273 | $1,636 | $273 |
| Texas | $4,045 | $2,023 | $337 |
| Utah | $3,027 | $1,514 | $252 |
| Virginia | $3,065 | $1,532 | $255 |
| Vermont | $2,465 | $1,232 | $205 |
| Washington | $2,928 | $1,464 | $244 |
| Wisconsin | $3,634 | $1,817 | $303 |
| West Virginia | $3,266 | $1,633 | $272 |
| Wyoming | $3,093 | $1,546 | $258 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Genesis car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Genesis models to insure
Smaller, budget-friendly Genesis models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Genesis models to insure
Luxury vehicles, sports cars, and SUVs generally rank as the most expensive types of vehicles for car insurance. Luxury vehicles and sports cars often attract higher insurance rates because they are more likely to be stolen and cost more to repair or replace. On the other hand, SUVs, especially larger ones, can lead to higher premiums due to their potential to cause more damage in an accident.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Genesis
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Genesis discounts on car insurance
You can take advantage of all the available discounts to lower your Genesis car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Genesis car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Genesis
Genesis, an upscale brand of the Hyundai Motor Group, has been making a name for itself in the luxury vehicle market since its establishment in 2015. The brand has a lineup of sedans and SUVs that compete with established luxury marques, offering high-quality interiors and cutting-edge safety features.
Final thoughts on Genesis insurance costs
Genesis offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Genesis model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Genesis?
Yes, your driving record has a significant impact on your Genesis’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Genesis affect the insurance premium?
No, the color of your Genesis does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Genesis affect insurance costs?
The age of your Genesis can influence your insurance costs. Older Genesis models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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