Best Car Insurance for Genesis 2022
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Car Insurance for Genesis
On average, Genesis drivers pay $1,922 each year for car insurance. But depending on the model you have, your insurance rates could vary. A G70 Launch Edition costs $1,344 more more per year to insure than a G90 Premium.
Officially launched in 2015, Genesis is the luxury division from the South Korean manufacturer Hyundai. Their first standalone model was launched in 2017, and they pride themselves on their precisely engineered and unmistakably stylish designs. It has since been named the most dependable automotive brand by J.D. Power, and the most technologically innovative in North America.
If you opt for a Genesis, you’ll want to make sure you have the right car insurance for your vehicle.
Your rates are based on the model you choose, alongside factors unique to you. Thankfully, if you’re looking for the best rates, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and can even assist you in canceling your old policy!
Here are some real quotes from Jerry customers who saved money when insuring their Genesis.
| Quote Date | Car | Location | Zip Code | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|---|
| November 5, 2021 | Genesis G80 Base | Cleveland, OH | 44105 | Seth H. | 52 | Safeco | $167/mo. | $118/mo. |
| June 24, 2021 | Genesis G70 Prestige | Plano, TX | 75023 | Ivan P. | 29 | Clearcover | $250/mo. | $140/mo. |
| February 20, 2022 | Genesis G80 Base | Lynwood, CA | 90262 | Mike R. | 32 | Progressive | $260/mo. | $188/mo. |
| March 11, 2022 | Genesis G80 Base | Clover, SC | 29710 | Jack W. | 59 | Safeco | $250/mo. | $222/mo. |
| September 8, 2021 | Genesis G70 Elite | Norfolk, VA | 23509 | Antonio M. | 23 | Mercury | $282/mo. | $253/mo. |
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Insurance for Genesis models
While they are under the same brand name, insurance premiums for Genesis will vary depending on the mileage and specific model.
Insurance for Genesis based on the year of the car
According to Edmunds, a new car loses 23.5% of its value in the first year of ownership. The lower your car’s value, the cheaper repairs and replacements will be if you’re forced to make a claim.
Drivers with newer cars will also commonly lease or finance their vehicles, which requires full-coverage insurance. This will always cost more than the mandatory minimum insurance required by the state.
According to Jerry’s internal data, the cheapest years for Genesis are 2021 and 2022.
The most expensive years for Genesis are 2018 and 2017.
| Year | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| 2022 | $2,500 | $693 | Compare Prices |
| 2021 | $3,480 | $1,799 | Compare Prices |
| 2020 | $3,738 | $1,243 | Compare Prices |
| 2019 | $3,382 | $896 | Compare Prices |
| 2018 | $4,781 | $1,305 | Compare Prices |
| 2017 | $3,669 | $897 | Compare Prices |
Key Takeaway Older Genesis models will cost less to repair and replace compared to newer ones. They may also not be leased or financed, so their insurance premiums are lower.
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Insurance for different models of Genesis
Genesis is a luxury vehicle brand, so keeping them maintained can be expensive. The Genesis model you buy will affect your insurance rate. More expensive cars tend to cost more to repair or replace, and thus cost more to insure as well.
Sedans and compact SUVs are generally cheaper to insure than their larger counterparts, in part due to their lower prices, high safety ratings, and cheaper repair costs.
As a full-size sedan, the G90 has some of the most expensive insurance rates for a Genesis model. This is due to its larger size, premium features, and lower safety ratings.
Conversely, a G70 will be one of the least expensive Genesis models to insure. Though it’s still a luxury vehicle, the G70 is compact, meaning it is cheaper to insure than other larger vehicles.
If you want to learn more about car insurance costs for some of the most popular Genesis models, check out the links below.
Key Takeaway The car model you have will impact insurance rates. The more expensive your car, the more your insurance will cost.
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Full coverage vs. minimum coverage for your Genesis
The majority of states have minimum required liability coverage. Liability insurance will protect other drivers and their property if you cause an accident. Minimum liability insurance typically includes:
| Coverage type | Protection offered |
|---|---|
| Bodily injury liability (per person and accident) | Pays for the costs associated with the injuries you’ve caused to others |
| Property damage liability (per accident) | Pays for the costs associated with the damage you cause to other people’s vehicles or property |
Some states also require uninsured or underinsured motorist protection to cover damages if you’re in an accident with an uninsured or underinsured driver.
Personal injury protection (PIP) might also be required in some states, as it helps pay for your medical expenses—especially if you live in a no-fault state.
It’s always a good idea to carry more than your state’s minimum coverage, especially if you have a luxury vehicle like the Genesis.
Full coverage insurance policies will make sure you are protected in the case of high medical costs or significant vehicle damage. Full coverage insurance typically includes:
| Coverage type | Protection offered |
|---|---|
| Collision coverage | Covers the costs associated with collisions with another vehicle or object |
| Comprehensive coverage | Covers costs of damages from an event other than a collision, like a weather event, theft, or vandalism. |
The average annual insurance premium for a Genesis is $2,234 per year for minimum car insurance and $3,032 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,627 per year for minimum car insurance and $2,297 for full-coverage insurance.
Here’s what it costs to insure a Genesis with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| Genesis | $2,605 | $1,875 | $7,918 | $3,696 | - | - |
| Genesis | |
All Coverage Before Jerry | $2,605 |
All Coverage After Jerry | $1,875 |
Minimum Coverage Before Jerry | $7,918 |
Minimum Coverage After Jerry | $3,696 |
Full Coverage Before Jerry | - |
Full Coverage After Jerry | - |
The more expensive a car is, the pricier it will be to insure. Genesis is the luxury division of Hyundai, so it will be more expensive to insure compared to their more affordable counterparts.
Compared to other similar luxury brands, like Infiniti and Lexus, insurance premiums for Genesis tend to be the same, if not lower.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
Compare costs for other cars
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What impacts your insurance costs for Genesis
While the car’s model, age, and type of insurance will determine some baseline insurance costs, providers will also consider your individual demographics and other variables when setting your rates.
The model of Genesis you drive
Your car’s model can greatly impact your insurance premiums. As mentioned above, opting for a compact car, like the G70 will keep your insurance premiums lower than a large full-size sedan like the G90.
But even for the same model, your insurance can vary.
Most models have a number of trim levels that come with different luxury features and additions—but a higher trim can also come with higher premiums.
For example, here’s what insurance you might want to consider for a G70.
| Trim | Features | Recommended coverage | Reason for coverage |
|---|---|---|---|
| G70 Base | The base trim for the G70 includes the driving and safety aids found in higher trims but has a less powerful engine. | Towing and Labor coverage | Towing and labor coverage will protect you if your rear-wheel-drive G70 gets stuck on winter roads. |
| G70 Elite | The top-of-the-line trim includes a turbocharged 3.3-liter V6 engine and has upgraded performance features. It also includes digital key technology and a 15-speaker premium sound system. | [Sound system coverage] (https://getjerry.com/car-insurance/sound-system-insurance) | With the upgraded sound system, this coverage will protect you if your updated audio equipment gets stolen. |
Your insurance company
Your demographics, location, and driving record all play a role in determining your insurance premiums. But each insurance company weighs these factors differently, which means that rates will vary among providers.
Your best bet to find the ideal insurance company for a Genesis is to compare quotes between different providers.
If you’d rather leave the hard work of gathering quotes for your Genesis to someone else, use Jerry. The Jerry app can collect quotes from 50+ of the top insurance companies in the nation and analyze your existing coverage, all in less than a minute.
Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy!
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
Here’s what Genesis drivers paid for car insurance before and after switching with Jerry:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Allstate | $3,460 | $1,282 | Compare Prices |
| National General | $3,113 | $1,142 | Compare Prices |
| Safeco | $3,338 | $1,084 | Compare Prices |
| Progressive | $3,597 | $907 | Compare Prices |
| Travelers | $2,658 | $814 | Compare Prices |
| Dairyland | $3,492 | $384 | Compare Prices |
| Nationwide | $3,220 | $378 | Compare Prices |
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Your age
Your age and driving history help insurance companies understand your experience and risk level.
Young drivers tend to get into more accidents than mature drivers, making them high-risk drivers. Insurers will most likely raise premiums as a result.
Your driving record
Drivers who have violations on their records also pay more. Minor infractions might not increase your rates too much—but serious ones, like DUIs and reckless driving charges, can have a significant impact and cause your rates to skyrocket.
But it’s not all bad! Improving your driving habits and keeping a clean record moving forward will help you attain lower premiums over time.
Here’s how accidents and violations can affect car insurance costs for Genesis by age group:
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Where you live
When it comes to insurance, your location matters. Insurance companies look at rates of crime, accidents, and natural disasters to help them determine how likely you are to submit a claim. This means that you could find very different costs for the same coverage—even within the same county or state.
If your area has lots of car thefts, collisions, or severe weather events, you’ll probably be paying more for your car insurance.
According to our data, there is a high percentage of Genesis drivers in cities including Arlington (VA), Havertown (PA), Lufkin (TX), Cleveland (TN) and Chantilly (VA).
The cheapest car insurance for Genesis for Jerry users is in Irving (TX) and Chantilly (VA).
The most expensive car insurance for Genesis for Jerry users is in Jamaica (NY) and Queens (NY).
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Arlington | $1,860 | $398 | Compare Prices |
| Austin | $4,020 | $1,538 | Compare Prices |
| Chantilly | $1,368 | $315 | Compare Prices |
| Cleveland | $3,486 | $1,272 | Compare Prices |
| Havertown | $4,800 | $1,159 | Compare Prices |
| Houston | $3,900 | $798 | Compare Prices |
| Las-Vegas | $3,108 | $210 | Compare Prices |
| Lufkin | $4,380 | $824 | Compare Prices |
| Morrisville | $2,040 | $559 | Compare Prices |
| Queens | $7,918 | $2,737 | Compare Prices |
Regardless of your age, location, or the model of Genesis you own, finding affordable car insurance is possible if you know how and where to look.
If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and can even assist you in canceling your old policy!
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