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 across the Hyundai Ioniq 6: Collision — damage to your own car in a crash — carries its highest loss index at 134, while Comprehensive sits at 83. Those 51 points are the real reason behind the price, and they are the part a quote form never shows you. Among 32 four-door cars we hold data for, the Ioniq 6 ranks #9 from cheapest, below the class median of 116. Against what the car is worth the bill looks different again: a 2023 Ioniq 6 sells for a median $23,998, so a year of cover costs 6.1% of the car's value. Calculated from 4 insurance-loss records and live US listing prices.
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 the Hyundai Ioniq 6's loss index of 102 — your own quote also depends on age, record, deductible and ZIP.
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?
For the Hyundai Ioniq 6 the costliest area is Collision at an index of 134, covering damage to your own car in a crash — against 83 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Hyundai Ioniq 6 lands at 102, not at what it costs new.
Is the Ioniq 6 cheaper to insure than rivals?
It ranks #9 of 32 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.
Is that a lot relative to the car's value?
A year of cover is 6.1% of what a 2023 Ioniq 6 sells for — $1,463 against a median price of $23,998. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 6.1% the Ioniq 6 sits on the expensive side of that trade.
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.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.