Genesis Insurance Rates

Genesis Insurance Rates

The average cost of car insurance for Genesis models is about $4,117 per year.

This is $1,222 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Genesis insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Genesis insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure


Insurance Cost per Genesis Model

Model Good Driver Recent Accident Poor Credit
Estimated Genesis G70 Insurance Rates $4,909 $7,208 $8,433
Estimated Genesis G80 Insurance Rates $3,766 $5,530 $6,469
Estimated Genesis G90 Insurance Rates $3,677 $5,400 $6,317

The cost to insure a Genesis model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Are car insurance rates based on credit score?

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Genesis, then see our insurance analysis and rankings for other makes and models here.

Genesis Insurance Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $13,947 $20,479 $23,958
18 $12,997 $19,085 $22,327
19 $11,486 $16,866 $19,731
20 $10,015 $14,706 $17,204
21 $8,399 $12,333 $14,428
22 $8,179 $12,011 $14,051
23 $7,157 $10,509 $12,294
24 $6,800 $9,984 $11,680
25 $5,868 $8,616 $10,080
30 $4,571 $6,712 $7,852
35 $4,281 $6,286 $7,354
40 $4,117 $6,046 $7,073
45 $4,006 $5,883 $6,883
55 $3,675 $5,396 $6,312
65 $3,833 $5,628 $6,584
75 $4,838 $7,103 $8,310

Genesis auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Genesis models by state.


Average Genesis Insurance Rates by State*

State Good Driver Recent Accident Poor Credit
Georgia $4,771 $7,134 $7,194
Wyoming $3,384 $4,738 $5,046
Wisconsin $3,625 $5,659 $6,455
West Virginia $3,637 $5,208 $6,525
Washington $3,614 $4,905 $5,857
Virginia $2,730 $4,192 $4,108
Vermont $2,898 $4,463 $4,718
Utah $3,765 $5,276 $7,259
Texas $4,426 $6,394 $7,953
Tennessee $4,395 $6,469 $8,616
South Dakota $3,737 $5,385 $6,213
South Carolina $4,165 $5,772 $7,967
Rhode Island $6,133 $8,996 $10,131
Pennsylvania $3,674 $5,393 $6,310
Oregon $4,361 $5,851 $6,989
Oklahoma $4,792 $6,862 $7,726
Ohio $3,001 $4,629 $4,746
North Dakota $3,366 $5,116 $6,050
North Carolina $2,460 $4,226 $3,013
New York $3,968 $4,996 $8,340
New Mexico $4,284 $6,372 $6,614
New Jersey $4,195 $6,581 $8,612
New Hampshire $3,807 $6,020 $7,611
Nevada $5,473 $8,118 $8,575
Nebraska $3,318 $4,907 $5,331
Montana $3,925 $5,477 $6,375
Missouri $3,861 $5,520 $7,251
Mississippi $4,097 $5,844 $5,882
Minnesota $3,394 $4,526 $6,373
Michigan $8,246 $12,565 $19,819
Massachusetts $3,417 $5,961 $3,417
Maryland $4,261 $6,201 $6,888
Maine $2,633 $3,639 $5,373
Louisiana $6,963 $10,525 $11,412
Kentucky $5,424 $7,962 $9,402
Kansas $3,752 $5,459 $6,385
Iowa $2,821 $3,867 $4,548
Indiana $3,561 $5,443 $6,108
Illinois $3,466 $5,239 $5,973
Idaho $3,311 $4,389 $5,336
Hawaii $1,906 $2,587 $1,906
Florida $5,852 $8,096 $10,551
Delaware $4,915 $6,550 $8,413
Connecticut $5,937 $9,208 $11,688
Colorado $4,647 $6,503 $8,251
California $4,980 $8,806 $4,980
Arkansas $4,472 $7,027 $7,737
Arizona $4,079 $5,897 $8,689
Alaska $3,608 $5,002 $4,862
Alabama $4,362 $6,336 $8,065

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