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Genesis auto insurance: what you need to know.

Genesis is a luxury car division of the South Korean automaker Hyundai. The brand is known for producing both high-end luxury cars and sporty performance cars. Until 2017, Genesis was the model name of a luxury sedan sold under the Hyundai brand. Genesis has since become its own division, with a range of SUVs, sedans and coupes. This page focuses on vehicles under the Genesis brand.

Looking for car insurance quotes for your Genesis? In just three minutes, LowestRates.ca can help you compare Genesis insurance rates in Canada from 50+ providers to ensure you get the right coverage for your needs. To get your personalized quote, enter your postal code above and click “Get Started.”

Keep reading for more information on what kind of insurance costs you can expect on a Genesis vehicle, the factors that affect the cost of insurance, and the types of insurance policies that are best for luxury vehicles.

How much is insurance for a Genesis?

Since Genesis is an expensive luxury brand, a Genesis vehicle may come with higher insurance rates if the repair or replacement costs are expensive for your particular model. But there are other variables, too. The city and province you live in, your age, driving history and any collisions or speeding tickets can have a big effect on your driving insurance.

Insurance providers will also look at the vehicle’s model and age, as well as its safety features. The Genesis G70 and G90 4-door sedan models and 2021 Genesis GV80 4-door SUV rank well in this area, and were included in the Insurance Institute for Highway Safety’s annual Top Safety Picks awards. Insurers also look at real claims data from the Canadian Loss Experience Automobile Rating (CLEAR) system. The CLEAR system groups vehicles according to risk — a lower CLEAR number means the vehicle is lower risk. The CLEAR system isn’t public, but insurers can use it to gauge the likeliness that a particular model of vehicle will make a claim at some point, and how much it will cost.

Insurance rates vary widely among individual drivers, different vehicles and insurance providers, so the average insurance costs for Genesis cars aren’t always a reliable resource to base your insurance budget on. It’s imperative to shop around and apply for quotes to get an idea of how much it will cost to insure a Genesis.

Estimated Premium

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from September 30, 2022
Customer
Male, 25 years old
Location
ontario
Vehicle
2022 TESLA MODEL Y 75D LONG RANGE 4DR AWD
Lowest Rate
$262/mth
$3,138/yr
Average Rate
$396/mth
$4,749/yr
Saved
$134/mth
33.92%
Quote from September 30, 2022
Customer
Male, 19 years old
Location
ontario
Vehicle
2008 NISSAN ALTIMA 3.5 SE 4DR
Lowest Rate
$627/mth
$7,519/yr
Average Rate
$1,042/mth
$12,503/yr
Saved
$415/mth
39.86%

Your questions about Genesis auto insurance rates, answered.

What is the cheapest Genesis to insure?

The first thing to know is that the price of car insurance for a Genesis may be higher because it’s a luxury brand. The cheapest Genesis to insure may not be as cheap as the cheapest Ford or Honda to insure.

A lower-end model without custom features will generally be the cheapest Genesis to insure, because the repair or replacement costs will be lower. One of the cheapest new Genesis models is the G70, a 4-door family car that starts around $43,000 MSRP.

The exact cost to insure these cars will vary widely from driver to driver, but there are attributes about yourself that can lower your insurance rate for a luxury vehicle. You can minimize your insurance premiums if you have a collision-free driving record, and if you don’t have a history of speeding tickets or other traffic infractions.

Drivers with more than 10 years of driving experience and a history of making insurance payments on time will likely get a good rate.

For this reason, young drivers can often find luxury cars out of reach. Even if they can afford the cost of the car itself, insurance on these cars can be equally pricey.

With so many variables around insurance pricing, it’s important to get quotes from multiple insurance providers to see if buying and insuring a Genesis will be the right choice for you.

Used vs. new Genesis: which is cheaper to insure?

In general, used cars are cheaper to insure. But since the Genesis brand is only a few years old, the term “used” is relative. Whether car insurance for a used Genesis is cheaper depends on a few things.

One thing to consider is that it’s recommended to get comprehensive and collision coverage when buying a new car, so you’re protected from having to pay large repair costs out of pocket in the event of a collision. This kind of insurance coverage for a Genesis can be much more expensive than basic policies.

If you’re leasing a new Genesis, an insurance policy with full comprehensive and collision coverage will likely be a requirement, so that’s something to consider around the monthly cost of owning a Genesis.

However, if you’re buying a used car that is at least five years old, comprehensive and collision insurance might not be needed because if the depreciated cash value of a used car is lower isn’t worth the cost of insurance. That can lead to big monthly savings on insurance, and big savings when purchasing the car itself. But because Genesis is a luxury brand and all its vehicles are less than five years old, that consideration doesn’t really apply — you’ll likely want to get comprehensive and collision insurance.

It’s important to remember that expensive cars are built with expensive parts. As a result, maintenance on a Genesis will be more expensive compared to an economy vehicle. You might save money on insurance if you’re buying a used Genesis, but there may be some higher out-of-pocket expenses for maintenance in the long run.

What is the best car insurance for a Genesis?

There isn’t a single best provider or a single best level of coverage for your Genesis vehicle. There are lots of variables that will decide what the best insurance plan is for you.

When it comes to the amount of insurance you want, that’ll often depend on the age of your car.

If you’re buying a brand new Genesis, you’ll benefit from the peace of mind that your expensive luxury car is covered by a comprehensive plan and you won’t pay out of pocket for many big-ticket repairs.

If you’re in the used market, comprehensive insurance may be unnecessary and you might actually save money in the long run by paying for the odd repair out of pocket.

Ultimately, the driver is the biggest variable when it comes to choosing the insurance provider you go with. Different companies have different underwriting standards, so prices can vary widely, even for the same driver.

If you find a bad mark on your driving record is leading to an extremely high insurance quote on a Genesis vehicle, it’s important to compare quotes so you find the best price for your car.

How are auto insurance quotes for Genesis calculated?

There are numerous different variables involved when an insurance company calculates an insurance quote for you, and some of them are in your control.

Where you live, whether you park your car in a garage, driveway or street, and the amount of kilometres you plan to drive in a year will all affect the cost of insurance for your genesis.

On the other hand, some factors may not be in your control. Genesis insurance for young drivers will be more expensive, as well as for people with low driving experience. Further, people with traffic violations like speeding tickets will have to pay more. That’s also true if you were in an at-fault collision.

If you haven’t recently made insurance claims, expect cheaper Genesis insurance rates.

The good news if you have been in an accident or issued a ticket recently is that those variables can only affect your insurance costs for a certain number of years, depending on jurisdiction. That means that you’ll eventually be able to pay lower rates.

Some insurance providers and brokers for your Genesis provide an insurance renewal discount if you’ve been a customer with them for multiple years, which is something to consider when shopping.

Lastly, the kind of car you’re insuring will have an effect on your rates too. Luxury cars will be more expensive to insure since the cost of replacement parts and repairs are usually more expensive.

While all these variables have a large effect on your insurance premium for a Genesis, the important thing to remember is that insurance companies calculate their prices using different formulas, so rates can vary heavily between insurance providers.

Using a resource like LowestRates.ca makes it easy to review multiple Genesis insurance quotes easily and ensures that you get the best car insurance rates for a Genesis.

Is it safe to buy Genesis insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs. Get a quote for car insurance on LowestRates.ca and start saving today.

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