Genesis Insurance Rates

The average cost of car insurance for a Genesis model is about $2,426 per year.

This is $532 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
Genesis G70 Insurance Cost $2,863 $4,204 $4,918
Genesis G80 Insurance Cost $2,233 $3,280 $3,837
Genesis G90 Insurance Cost $2,182 $3,204 $3,748

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.

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 Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $8,217 $12,066 $14,116
18 $7,658 $11,245 $13,155
19 $6,768 $9,938 $11,626
20 $5,901 $8,665 $10,137
21 $4,949 $7,267 $8,501
22 $4,819 $7,077 $8,279
23 $4,217 $6,192 $7,244
24 $4,006 $5,883 $6,882
25 $3,457 $5,077 $5,939
30 $2,693 $3,955 $4,626
35 $2,522 $3,704 $4,333
40 $2,426 $3,563 $4,168
45 $2,361 $3,466 $4,055
55 $2,165 $3,179 $3,719
65 $2,258 $3,316 $3,880
75 $2,850 $4,185 $4,896

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 by State

State Good Driver Recent Accident Poor Credit
Alabama $2,570 $3,733 $4,752
Alaska $2,126 $2,947 $2,864
Arizona $2,404 $3,475 $5,119
Arkansas $2,635 $4,141 $4,559
California $2,934 $5,189 $2,934
Colorado $2,738 $3,832 $4,862
Connecticut $3,498 $5,425 $6,886
Delaware $2,896 $3,859 $4,957
Florida $3,448 $4,770 $6,216
Georgia $2,811 $4,203 $4,239
Hawaii $1,123 $1,524 $1,123
Idaho $1,951 $2,586 $3,144
Illinois $2,042 $3,087 $3,519
Indiana $2,098 $3,207 $3,599
Iowa $1,662 $2,279 $2,680
Kansas $2,211 $3,217 $3,762
Kentucky $3,196 $4,691 $5,540
Louisiana $4,102 $6,201 $6,724
Maine $1,551 $2,144 $3,166
Maryland $2,511 $3,654 $4,058
Massachusetts $2,013 $3,512 $2,013
Michigan $4,858 $7,403 $11,678
Minnesota $2,000 $2,667 $3,755
Mississippi $2,414 $3,443 $3,466
Missouri $2,275 $3,252 $4,272
Montana $2,313 $3,227 $3,756
Nebraska $1,955 $2,891 $3,141
Nevada $3,225 $4,783 $5,053
New Hampshire $2,243 $3,547 $4,484
New Jersey $2,471 $3,878 $5,074
New Mexico $2,524 $3,754 $3,897
New York $2,338 $2,944 $4,914
North Carolina $1,449 $2,490 $1,776
North Dakota $1,983 $3,014 $3,565
Ohio $1,768 $2,727 $2,797
Oklahoma $2,824 $4,043 $4,552
Oregon $2,570 $3,447 $4,118
Pennsylvania $2,164 $3,178 $3,718
Rhode Island $3,614 $5,301 $5,969
South Carolina $2,454 $3,401 $4,694
South Dakota $2,202 $3,173 $3,661
Tennessee $2,590 $3,812 $5,076
Texas $2,608 $3,767 $4,686
Utah $2,218 $3,108 $4,277
Vermont $1,708 $2,630 $2,780
Virginia $1,609 $2,470 $2,421
Washington $2,129 $2,890 $3,451
West Virginia $2,143 $3,068 $3,844
Wisconsin $2,136 $3,335 $3,803
Wyoming $1,994 $2,792 $2,973