Genesis Insurance Rates

The average cost of car insurance for a Genesis model is about $2,605 per year.

This is $538 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 $2,984 $4,445 $5,254
Genesis G80 Insurance Cost $2,391 $3,561 $4,210
Genesis G90 Insurance Cost $2,441 $3,635 $4,297

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 $8,824 $13,144 $15,538
18 $8,224 $12,249 $14,480
19 $7,267 $10,825 $12,796
20 $6,337 $9,439 $11,158
21 $5,314 $7,915 $9,357
22 $5,176 $7,709 $9,113
23 $4,528 $6,745 $7,974
24 $4,302 $6,408 $7,575
25 $3,713 $5,530 $6,537
30 $2,892 $4,308 $5,092
35 $2,709 $4,035 $4,769
40 $2,605 $3,880 $4,587
45 $2,535 $3,776 $4,463
55 $2,325 $3,463 $4,094
65 $2,425 $3,612 $4,270
75 $3,061 $4,559 $5,390

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 $2,760 $3,866 $4,839
Alaska $2,283 $3,325 $3,484
Arizona $2,581 $4,004 $5,709
Arkansas $2,830 $4,287 $4,795
California $3,151 $5,511 $3,151
Colorado $2,940 $4,071 $5,078
Connecticut $3,756 $5,808 $7,439
Delaware $3,110 $4,282 $5,685
Florida $3,703 $5,030 $6,557
Georgia $3,019 $4,653 $4,774
Hawaii $1,206 $1,664 $1,206
Idaho $2,095 $2,820 $3,510
Illinois $2,193 $3,242 $3,759
Indiana $2,253 $3,521 $4,108
Iowa $1,785 $2,677 $3,119
Kansas $2,374 $3,495 $4,141
Kentucky $3,432 $5,162 $6,072
Louisiana $4,406 $6,733 $7,249
Maine $1,666 $2,235 $3,261
Maryland $2,696 $3,953 $4,668
Massachusetts $2,162 $3,656 $2,162
Michigan $5,217 $7,844 $12,060
Minnesota $2,148 $2,885 $4,271
Mississippi $2,593 $3,916 $4,137
Missouri $2,443 $3,365 $4,351
Montana $2,484 $3,887 $4,286
Nebraska $2,100 $2,972 $3,381
Nevada $3,463 $5,227 $5,735
New Hampshire $2,409 $3,882 $4,944
New Jersey $2,654 $4,184 $5,398
New Mexico $2,710 $3,900 $4,380
New York $2,511 $3,269 $5,277
North Carolina $1,556 $2,513 $1,936
North Dakota $2,130 $3,278 $4,161
Ohio $1,899 $3,105 $3,218
Oklahoma $3,033 $4,553 $5,164
Oregon $2,759 $4,168 $4,781
Pennsylvania $2,324 $3,515 $4,034
Rhode Island $3,880 $5,955 $6,810
South Carolina $2,635 $3,814 $5,442
South Dakota $2,364 $3,253 $3,903
Tennessee $2,781 $4,159 $5,248
Texas $2,800 $4,121 $5,174
Utah $2,382 $3,445 $4,751
Vermont $1,834 $2,932 $3,206
Virginia $1,727 $2,601 $2,764
Washington $2,287 $3,435 $4,051
West Virginia $2,301 $3,351 $4,138
Wisconsin $2,294 $3,349 $4,067
Wyoming $2,141 $3,147 $3,518