About $1,463 a year for full coverage on a national average — within a few percent of the $1,438 average car. Insurers rate the Hyundai Ioniq 6 at an index of 102 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly. Collision — damage to your own car in a crash — carries this car's highest loss index at 134, while Comprehensive sits at 83. That gap is the real reason behind the price, and it's the part a quote form never shows you. Among 31 four-door cars we hold data for, the Ioniq 6 ranks #9 from cheapest, below the class median of 116. Calculated from 4 insurance-loss records.
Why a Ioniq 6 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,463: Liability (BI + PD) $702 · Collision $410 · Comprehensive $176 · Other (UM / PIP) $176.
The Ioniq 6 against its class
Every four-door cars we hold insurance data for, cheapest to insure first. The Ioniq 6 is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Four-door cars), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 116, roughly $1,668 a year.
What a Ioniq 6 costs by state
Where you park matters as much as what you drive. The Ioniq 6's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Ioniq 6 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Hyundai Ioniq 6
Hyundai Ioniq 6 insurance — frequently asked
How much is insurance for a Hyundai Ioniq 6?
About $1,463 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 102 applied to the US average premium.
Why is the Ioniq 6 expensive or cheap to insure?
Its costliest area is Collision (index 134), which covers damage to your own car in a crash. Insurers set premiums from claim history like this, not from the sticker price.
Is the Ioniq 6 cheaper to insure than rivals?
It ranks #9 of 31 in the four-door cars class, where the median index is 116 against this car's 102. Cheaper rivals are listed in the chart above.
Does its safety rating lower the premium?
Not directly. The Ioniq 6 holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Ioniq 6 can differ by hundreds between two drivers.