Genesis Insurance Rates

The average cost of car insurance for a Genesis model is about $2,117 per year.

This is $330 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 $2,388 $3,506 $4,102
Genesis G80 Insurance Cost $1,961 $2,879 $3,368
Genesis G90 Insurance Cost $2,001 $2,939 $3,438

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 $7,169 $10,528 $12,316
18 $6,681 $9,811 $11,478
19 $5,904 $8,670 $10,143
20 $5,148 $7,560 $8,844
21 $4,318 $6,340 $7,417
22 $4,205 $6,175 $7,223
23 $3,679 $5,403 $6,320
24 $3,495 $5,132 $6,005
25 $3,016 $4,429 $5,182
30 $2,350 $3,451 $4,037
35 $2,201 $3,232 $3,781
40 $2,117 $3,108 $3,636
45 $2,060 $3,024 $3,538
55 $1,889 $2,774 $3,245
65 $1,970 $2,893 $3,385
75 $2,487 $3,652 $4,272

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 $2,243 $3,257 $4,146
Alaska $1,855 $2,571 $2,499
Arizona $2,097 $3,032 $4,466
Arkansas $2,299 $3,612 $3,977
California $2,560 $4,527 $2,560
Colorado $2,389 $3,343 $4,242
Connecticut $3,052 $4,734 $6,008
Delaware $2,526 $3,367 $4,325
Florida $3,009 $4,162 $5,423
Georgia $2,453 $3,667 $3,698
Hawaii $980 $1,330 $980
Idaho $1,702 $2,256 $2,743
Illinois $1,782 $2,693 $3,070
Indiana $1,830 $2,798 $3,140
Iowa $1,450 $1,988 $2,338
Kansas $1,929 $2,807 $3,282
Kentucky $2,789 $4,093 $4,833
Louisiana $3,580 $5,411 $5,866
Maine $1,354 $1,871 $2,762
Maryland $2,190 $3,188 $3,541
Massachusetts $1,757 $3,064 $1,757
Michigan $4,239 $6,459 $10,188
Minnesota $1,745 $2,327 $3,276
Mississippi $2,106 $3,004 $3,024
Missouri $1,985 $2,837 $3,728
Montana $2,018 $2,815 $3,277
Nebraska $1,706 $2,523 $2,741
Nevada $2,813 $4,173 $4,409
New Hampshire $1,957 $3,095 $3,912
New Jersey $2,156 $3,383 $4,427
New Mexico $2,202 $3,275 $3,400
New York $2,040 $2,568 $4,287
North Carolina $1,264 $2,172 $1,549
North Dakota $1,730 $2,630 $3,110
Ohio $1,543 $2,379 $2,440
Oklahoma $2,464 $3,527 $3,972
Oregon $2,242 $3,008 $3,593
Pennsylvania $1,888 $2,773 $3,244
Rhode Island $3,153 $4,625 $5,208
South Carolina $2,141 $2,967 $4,096
South Dakota $1,921 $2,768 $3,194
Tennessee $2,259 $3,326 $4,429
Texas $2,275 $3,287 $4,088
Utah $1,935 $2,712 $3,732
Vermont $1,490 $2,294 $2,425
Virginia $1,403 $2,155 $2,112
Washington $1,858 $2,522 $3,011
West Virginia $1,870 $2,677 $3,354
Wisconsin $1,863 $2,909 $3,318
Wyoming $1,740 $2,436 $2,594