Genesis Auto Insurance [2025]: Compare Costs & Get Quotes

Previously, the Hyundai Genesis was a luxury car included in Hyundai's vehicle lineup, but that vehicle was discontinued in 2016. Instead, Genesis became its own standalone brand separate from Hyundai's other vehicles. Today, the Genesis brand includes several luxury sedans and SUVs, like the GV70 and GV80.

Genesis vehicles can be pricey, with several models having starting prices well above the national average for all new vehicles. Unsurprisingly, that high price tag means Genesis models also tend to be more expensive to insure. On average, Genesis owners pay $130 per month for liability-only insurance and $245 per month for full coverage.

However, drivers can save on Genesis auto insurance by comparison shopping, taking advantage of insurance discounts, and adjusting their coverage. Some examples of car insurance companies with competitive rates for Genesis vehicles include USAA, GEICO, and State Farm.

Methodology

To identify the best car insurance options for Genesis cars, I looked at the average cost of full coverage and liability-only coverage for each of the company's current models from major insurers based on data from Insurify. I also considered the insurers' coverage options, availability, customer satisfaction ratings, and available discount programs.

Compare Hyundai Genesis car insurance rates

Company name	Best for	Range of average monthly full coverage premiums	Range of average monthly liability-only premiums
USAA	Military service members and veterans	$112-$135	$54-$65
GEICO	Low rates	$132-$160	$61-$75
State Farm	Usage-based insurance	$133-$162	$63-$76
Nationwide	Customer service	$205-$249	$98-$119
American Family	New car owners	$173-$210	$80-$97
Data provided by Insurify

USAA

Best for military service members and veterans

Company details

AM Best: A++ (Superior)
J.D. Power claims satisfaction: 726/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.97 (Private Passenger)

If you qualify for USAA membership and insurance, you could slash your car insurance costs. On average, USAA members pay just $121 per month for full coverage insurance on Genesis models, less than half the industry average cost of full coverage policies for Genesis models.

If you're a current service member, you may be eligible for extra benefits, like a discount for living on base or storing your Genesis vehicle. Plus, USAA offers both telematics and pay-per-mile programs for potential additional savings.

However, you must be a military service member, veteran, eligible federal employee, or the family member of a qualifying USAA member to purchase insurance. Otherwise, you'll have to get coverage through another company.

Pros

Significantly lower rates than many other insurers
Extra perks and benefits for service members
High ratings for customer satisfaction
Offers pay-per-mile and telematics programs

Cons

Not all drivers are eligible for coverage
Fewer discount programs than some insurers
Doesn't offer traditional GAP insurance

Learn more in our USAA review.

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GEICO

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GEICO

Best for low rates

Company details

AM Best: A++ (Superior)
J.D. Power claims satisfaction: 692/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.75 (Private Passenger)

GEICO typically has significantly lower-than-average rates for Genesis models. And, unlike USAA, it's available to the general public nationwide.

It has a long list of discount programs to help you save even more, such as defensive or safe driving course completion, multi-policy, paid-in-full, autopay, and good student discounts. Plus, the DriveEasy telematics program can help safe drivers lower their premiums.

Genesis owners may also appreciate GEICO's available coverage options, such as mechanical breakdown coverage, which can help protect your new (and expensive) car.

However, GEICO is primarily a digital insurer. Those who prefer a traditional insurance experience with an accessible local insurance agent may be frustrated with the company's customer service.

Pros

Cheaper-than-average rates for Genesis drivers
Add-on coverages, such as mechanical breakdown insurance
Long list of discount programs
Offers a telematics program

Cons

Lower-than-average customer satisfaction ratings in several regions
Limited agent network
No GAP insurance

Learn more in our GEICO review.

State Farm

Best for usage-based insurance

Company details

AM Best: A++ (Superior)
J.D. Power claims satisfaction: 710/1,000 (study average 697)
BBB: F
NAIC complaints: 0.84 (Private Passenger)

If you have a short commute, work from home, or are a stay-at-home parent, you may not drive your Genesis as much as other car owners do. If so, you may benefit from State Farm's Drive Safe & Save program.

Drive Safe & Save is a usage-based insurance (UBI) policy that bases your premiums on your driving habits and vehicle use. You can qualify for a discount just for signing up, and if you drive safely, you might reduce your premiums by as much as 30%. Plus, State Farm has a strong reputation for customer service and a large agent network.

That said, drivers with infractions on their driving records, such as speeding tickets, accidents, or driving under the influence (DUI) convictions, will pay higher rates. State Farm also isn't available in all 50 states.

Pros

Offers UBI policies with up to 30% premium savings
Strong customer satisfaction ratings
Large agent network

Cons

Not available in Rhode Island or Massachusetts
No GAP insurance
Higher rates for drivers with accidents or speeding tickets

Learn more in our State Farm review.

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Nationwide

Best for customer service

Company details

AM Best: A (Excellent)
J.D. Power claims satisfaction: 728/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.39 (Private Passenger)

When you pick an insurer, you want a company you know will be there when you need help. Nationwide is a household name, and it backs its reputation with top-notch customer service. J.D. Power ranked Nationwide fourth out of 21 insurers in its 2024 U.S. Auto Claims Satisfaction Study, which places Nationwide well above the industry average.

Nationwide also offers a broad range of savings opportunities, including telematics and pay-per-mile car insurance programs as well as discounts for being a good student, having multiple policies, avoiding at-fault accidents, and more.

One drawback is that Nationwide isn't available everywhere. Residents of Alaska, Hawaii, Louisiana, and Massachusetts will have to work with another company.

Pros

Highly rated for customer satisfaction
Multiple discount programs
Offers telematics and pay-per-mile insurance

Cons

Higher premiums than several competitors
Not available in all states
Smaller agent network than some competitors

Learn more in our Nationwide review.

American Family

Best for new car owners

Company details

AM Best: A (Excellent)
J.D. Power claims satisfaction ranking: 692/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.26 (Private Passenger)

New Genesis models can be expensive, so many drivers will need to take out car loans to purchase one. Like other luxury cars, Genesis models depreciate in value at a faster rate than other vehicles, so you can end up owing more than your car is worth if it is totaled or stolen.

If you're purchasing a new Genesis, those factors make GAP insurance a necessity. This coverage pays the difference between what you owe and your car's actual cash value, so you're not left covering the gap out of your own pocket. Not all insurers offer GAP insurance, but American Family includes it alongside several other optional add-ons, so it's a good choice for new car owners.

However, American Family doesn't offer car insurance everywhere; it's only available in 19 states. Additionally, it has a smaller agent network than other major providers, so it can be harder to find personalized help when needed.

Pros

Sells GAP insurance
Several discount programs
Multiple coverage add-ons
Offers telematics insurance

Cons

Only available in 19 states
Slightly below-average claims satisfaction rating
Smaller agent network than several other providers

Learn more in our American Family review.

What affects insurance rates for Genesis vehicles?

Genesis vehicles tend to have higher-than-average car insurance rates, but why is that? The following factors drive the higher rates.

Genesis values: As luxury vehicles, most Genesis models have higher-than-average sticker prices. As a result, they're more expensive to replace than other vehicles if they're stolen or totaled in an accident. The G70 and G80 are especially costly models to insure compared to the C90 and GV80.
Higher theft rates: Genesis has had some vulnerabilities that made its models easier to steal. As a result, Genesis vehicles — along with Kias and Hyundais — have had higher theft rates than other vehicles. Because of this risk, insurers charge higher premiums.
Repair costs: Genesis vehicles are luxury cars that incorporate high-end parts and technology. Consequently, they're more expensive to repair than a basic sedan or SUV, so you'll pay more for comprehensive and collision insurance.

Examples of other factors that affect your premiums include:

Age: Young drivers are inexperienced, so they're more likely to be in accidents. To offset that higher risk, insurers charge teens and young adults higher rates.
Gender: Men tend to pay more for insurance since they have statistically higher accident rates than women, but some states don't allow insurers to consider gender.
Location: Areas with high traffic congestion levels, crime, and a higher cost of living will typically have higher insurance premiums.
Driving record: If you have speeding tickets, accidents, or DUIs on your record, you'll pay a much higher rate for coverage.
Coverage options: What coverage you choose (such as full coverage versus liability-only insurance) and your coverage limits can cause you to pay more for insurance. The same applies to the deductible amount you select.

How can I lower my Genesis insurance cost?

To lower your car insurance premiums, follow these tips.

Avoiding unnecessary coverage: While you should buy insurance that sufficiently protects your Genesis and your finances, carefully consider your needs and avoid unnecessary add-ons, as they can add up.
Increase your deductible: Your deductible — typically an amount between $200 and $2,000 — is how much you have to pay after a collision or incident for repairs to your own car before your insurer helps with the cost. The higher the deductible, the lower your premiums, so increasing your deductible can help you save money on your Genesis auto insurance policy.
Sign up for telematics or pay-per-mile programs: If you're a safe driver, a telematics policy could help you get lower rates. Pay-per-mile policies base your rates on how much you drive, so those who drive fewer-than-average miles may benefit from them.
Ask about discounts: There may be discount programs you qualify for but aren't currently taking advantage of, such as homeownership, good student, or policy bundling discounts.
Shop around: Rates vary by company, so set reminders to shop for coverage at least once a year to ensure you're not overpaying for coverage.

FAQs

Are Genesis vehicles expensive to insure?

In general, Genesis vehicles are more expensive to insure than many other cars. Owners pay an average of $245 per month for full coverage insurance for the Genesis and $130 per month for liability-only policies.

What's the best insurance company for Genesis insurance?

No company is the best for everyone. I found that USAA and GEICO offer the lowest rates for most drivers, but depending on your needs, you may find that another insurer is a better fit. For example, if you need GAP insurance, it's wise to consider an insurer like American Family.

What coverage should I get for my Hyundai Genesis?

If you have an older Hyundai Genesis — which was in production between 2008 and 2016 — you may not need a full coverage policy. Depending on the value of your car, dropping collision and comprehensive coverage and opting for a liability-only policy can help you save money.

Who typically has the cheapest car insurance for Genesis vehicles?

On average, USAA and GEICO typically have the lowest rates for all current Genesis models.

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Bottom line

The Genesis lineup of luxury vehicles tends to be more expensive to insure, but you can save money by taking advantage of insurer discounts, completing safe driving courses, enrolling in telematics or UBI policies, or shopping around for the lowest rates.

Our list of the best car insurance companies is a great starting point as you shop for Genesis auto coverage. But it's also smart to get quotes from other providers to see which coverage best fits your budget.

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Author Details

Kat Tretina

Kat Tretina is a FinanceBuzz writer and personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.