Genesis Insurance Rates

The average cost of car insurance for a Genesis model is about $3,206 per year.

This is $981 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 $3,846 $5,647 $6,606
Genesis G80 Insurance Cost $2,920 $4,287 $5,015
Genesis G90 Insurance Cost $2,851 $4,186 $4,897

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 $10,857 $15,942 $18,651
18 $10,118 $14,857 $17,381
19 $8,942 $13,130 $15,361
20 $7,797 $11,448 $13,393
21 $6,538 $9,601 $11,232
22 $6,368 $9,350 $10,939
23 $5,572 $8,182 $9,571
24 $5,293 $7,773 $9,093
25 $4,568 $6,708 $7,847
30 $3,558 $5,225 $6,113
35 $3,333 $4,894 $5,725
40 $3,206 $4,707 $5,506
45 $3,119 $4,580 $5,358
55 $2,860 $4,200 $4,914
65 $2,984 $4,382 $5,126
75 $3,766 $5,530 $6,470

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 $3,396 $4,933 $6,279
Alaska $2,809 $3,894 $3,785
Arizona $3,176 $4,591 $6,764
Arkansas $3,482 $5,471 $6,023
California $3,877 $6,855 $3,877
Colorado $3,618 $5,063 $6,424
Connecticut $4,622 $7,168 $9,099
Delaware $3,826 $5,099 $6,550
Florida $4,556 $6,303 $8,213
Georgia $3,714 $5,554 $5,600
Hawaii $1,484 $2,014 $1,484
Idaho $2,578 $3,417 $4,154
Illinois $2,698 $4,078 $4,650
Indiana $2,772 $4,238 $4,755
Iowa $2,196 $3,011 $3,541
Kansas $2,921 $4,250 $4,971
Kentucky $4,222 $6,198 $7,320
Louisiana $5,420 $8,193 $8,884
Maine $2,050 $2,833 $4,183
Maryland $3,317 $4,828 $5,362
Massachusetts $2,660 $4,640 $2,660
Michigan $6,419 $9,782 $15,429
Minnesota $2,642 $3,523 $4,961
Mississippi $3,190 $4,549 $4,579
Missouri $3,006 $4,297 $5,645
Montana $3,056 $4,264 $4,963
Nebraska $2,583 $3,820 $4,150
Nevada $4,261 $6,320 $6,676
New Hampshire $2,964 $4,687 $5,924
New Jersey $3,265 $5,123 $6,704
New Mexico $3,335 $4,960 $5,149
New York $3,089 $3,889 $6,492
North Carolina $1,915 $3,290 $2,346
North Dakota $2,620 $3,982 $4,710
Ohio $2,336 $3,603 $3,695
Oklahoma $3,731 $5,342 $6,015
Oregon $3,395 $4,555 $5,441
Pennsylvania $2,860 $4,198 $4,912
Rhode Island $4,774 $7,003 $7,886
South Carolina $3,242 $4,494 $6,202
South Dakota $2,909 $4,192 $4,837
Tennessee $3,421 $5,036 $6,707
Texas $3,445 $4,978 $6,191
Utah $2,931 $4,107 $5,651
Vermont $2,256 $3,475 $3,672
Virginia $2,125 $3,263 $3,198
Washington $2,813 $3,818 $4,560
West Virginia $2,831 $4,054 $5,079
Wisconsin $2,822 $4,406 $5,025
Wyoming $2,635 $3,689 $3,928