- The annual average nationwide cost of full coverage car insurance for Genesis is $3,872 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.
If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Genesis costs? Here’s what you need to know.
On average, Genesis car insurance costs an average of $3,872 a year or $323 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.
Average cost of car insurance for a Genesis, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Genesis car insurance rates from various insurance companies.
Cost to insure a Genesis, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,704 | $1,352 | $225 |
| Geico | $2,944 | $1,472 | $245 |
| Progressive | $3,293 | $1,647 | $274 |
| Nationwide | $3,453 | $1,727 | $288 |
| Farmers | $4,086 | $2,043 | $340 |
| Allstate | $6,841 | $3,421 | $570 |
Genesis average insurance rates, by model
Genesis GV70 car insurance cost
Car insurance cost for a Genesis GV70 is $236 per month or $2,837 a year, based on CarInsurance.com’s rate analysis. Progressive offers the most affordable car insurance rates for a Genesis GV70 at an average monthly cost of $181 or $2,172 yearly.
Genesis Electrified GV70 car insurance cost
The average car insurance premium for Genesis Electrified GV70 is $251 per month, which translates to $3,006 per year. The most affordable company for a Genesis Electrified GV70 is Progressive with a rate of $182 monthly or $2,180 per year.
Genesis GV80 car insurance cost
For Genesis GV80 owners, the average car insurance cost is $257 per month or $3,087 annually. Nationwide offers the most affordable insurance premiums with an average annual cost of $2,160 or $180 per month.
Genesis GV60 car insurance cost
The average car insurance premium for Genesis GV60 is $264 per month, which translates to $3,172 per year. The most affordable company for a Genesis GV60 is Geico with a rate of $193 monthly or $2,316 per year.
Genesis G70 car insurance cost
Car insurance cost for a Genesis G70 is $3,220 a year or $268 monthly. If you own a Genesis G70, State Farm has the cheapest car insurance rates with an average annual premium of $2,307 or $192 per month.
Genesis G80 car insurance cost
The average car insurance premium for Genesis G80 is $290 per month, which translates to $3,482 per year. The most affordable company for a Genesis G80 is Nationwide with a rate of $207 monthly or $2,482 per year.
Insurance rates by car model
The average cost of car insurance for a Genesis, by age
Genesis car insurance costs will vary depending on your age. When it comes to car insurance, young drivers typically pay much higher rates for coverage than drivers with more experience under their belts.
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 | $13,303 | $6,651 | $1,109 |
| 18 | Genesis Electrified GV70 | $11,035 | $5,517 | $920 |
| 18 | Genesis G70 | $11,954 | $5,977 | $996 |
| 18 | Genesis G80 | $12,918 | $6,459 | $1,077 |
| 18 | Genesis G90 | $17,775 | $8,888 | $1,481 |
| 18 | Genesis GV60 | $11,930 | $5,965 | $994 |
| 18 | Genesis GV70 | $10,455 | $5,227 | $871 |
| 18 | Genesis GV80 | $11,252 | $5,626 | $938 |
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 | $3,646 | $1,823 | $304 |
| 40 | Genesis Electrified GV70 | $3,006 | $1,503 | $251 |
| 40 | Genesis G70 | $3,220 | $1,610 | $268 |
| 40 | Genesis G80 | $3,482 | $1,741 | $290 |
| 40 | Genesis G90 | $4,927 | $2,464 | $411 |
| 40 | Genesis GV60 | $3,172 | $1,586 | $264 |
| 40 | Genesis GV70 | $2,837 | $1,418 | $236 |
| 40 | Genesis GV80 | $3,087 | $1,544 | $257 |
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Genesis car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Genesis car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Genesis car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,395 | $1,698 | $283 |
| Alabama | $3,293 | $1,646 | $274 |
| Arkansas | $4,355 | $2,178 | $363 |
| Arizona | $3,449 | $1,725 | $287 |
| California | $4,673 | $2,336 | $389 |
| Colorado | $5,067 | $2,534 | $422 |
| Connecticut | $3,948 | $1,974 | $329 |
| Washington, D.C. | $4,652 | $2,326 | $388 |
| Delaware | $3,976 | $1,988 | $331 |
| Florida | $3,951 | $1,975 | $329 |
| Georgia | $4,566 | $2,283 | $380 |
| Hawaii | $2,001 | $1,001 | $167 |
| Iowa | $3,749 | $1,874 | $312 |
| Idaho | $2,773 | $1,387 | $231 |
| Illinois | $3,896 | $1,948 | $325 |
| Indiana | $3,319 | $1,660 | $277 |
| Kansas | $4,410 | $2,205 | $367 |
| Kentucky | $5,036 | $2,518 | $420 |
| Louisiana | $5,340 | $2,670 | $445 |
| Massachusetts | $3,903 | $1,952 | $325 |
| Maryland | $3,826 | $1,913 | $319 |
| Maine | $2,874 | $1,437 | $239 |
| Michigan | $4,472 | $2,236 | $373 |
| Minnesota | $4,130 | $2,065 | $344 |
| Missouri | $5,430 | $2,715 | $453 |
| Mississippi | $4,050 | $2,025 | $338 |
| Montana | $4,376 | $2,188 | $365 |
| North Carolina | $3,154 | $1,577 | $263 |
| North Dakota | $3,710 | $1,855 | $309 |
| Nebraska | $4,335 | $2,168 | $361 |
| New Hampshire | $3,021 | $1,511 | $252 |
| New Jersey | $3,445 | $1,723 | $287 |
| New Mexico | $4,135 | $2,068 | $345 |
| Nevada | $3,467 | $1,734 | $289 |
| New York | $3,197 | $1,599 | $266 |
| Ohio | $2,716 | $1,358 | $226 |
| Oklahoma | $3,579 | $1,790 | $298 |
| Oregon | $3,697 | $1,848 | $308 |
| Pennsylvania | $4,209 | $2,104 | $351 |
| Rhode Island | $4,697 | $2,349 | $391 |
| South Carolina | $3,207 | $1,604 | $267 |
| South Dakota | $5,191 | $2,596 | $433 |
| Tennessee | $4,523 | $2,261 | $377 |
| Texas | $5,216 | $2,608 | $435 |
| Utah | $2,872 | $1,436 | $239 |
| Virginia | $2,633 | $1,316 | $219 |
| Vermont | $2,951 | $1,476 | $246 |
| Washington | $3,225 | $1,612 | $269 |
| Wisconsin | $3,160 | $1,580 | $263 |
| West Virginia | $4,108 | $2,054 | $342 |
| Wyoming | $3,864 | $1,932 | $322 |
Average car insurance cost for different vehicle makes
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To find affordable Genesis car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, 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 often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
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.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“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
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
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 are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
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 advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for 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 July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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