How much is car insurance for the Hyundai Genesis?

According to reviewers like Automobile Magazine, the Hyundai Genesis’ staring MSRP of $33,000 is a bargain, because this midsize luxury vehicle can compete head-to-head with much pricier sedans.

However, its value is less apparent when you consider the Hyundai Genesis’ long-term cost of ownership. Edmunds estimates that the average Hyundai Genesis owner will spend about $156 per month on car insurance.

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Luxury car owners expect to pay more for comprehensive insurance that fully protects their investment, but Edmunds’ estimates suggest that owners of competing midsize luxury sedans will end up paying less for car insurance than Hyundai Genesis drivers.

For instance, car insurance for the 2011 Mercedes-Benz C Class is only expected to cost about $147 per month, and estimates for the Infiniti G and the BMW 3 Series are in the same ballpark.

The cost of insuring your Hyundai Genesis will depend on your driving record and credit score, though, and insurance rates can also vary dramatically by region. Be sure to enter your zip code in the box above to get the most accurate rate quotes.

Hyundai Genesis Ownership Costs

Although Edmunds’ data indicates that the Hyundai Genesis could be more expensive to insure than other comparable models, the Genesis looks a bit better when it comes to maintenance and repair costs. Scheduled maintenance is expected to cost Genesis owners $3,784 over the first five years, compared to $5,812 for C Class owners and $5,810 for Infiniti G owners. Only the 3 Series beats the Genesis with a 5-year maintenance cost estimated at $3,574. The 3 Series’ maintenance costs are covered under warranty for the first few years, but drivers are hit with large maintenance bills after the warranty expires. The Genesis’ maintenance costs are spread more uniformly over the first five years.

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When it comes to expected repair costs, the Hyundai Genesis blows away the competition. No repairs are expected until year five, when there will be an estimated $636 repair bill. The Infiniti G follows a similar pattern, but its estimated year-five bill is a bit higher at $1,042. The Mercedes C Class and the BMW 3 Series have much higher estimated repair bills, at around $2,600 each. It’s important to note, though, that higher repair costs don’t necessarily mean more trips to the mechanic. Although expected repair costs for the C Class are higher than those for the Genesis, J.D. Power and Associates gave the C Class a slightly higher Predicted Reliability score than the Genesis (8.0 out of 10 compared to 7.0).

Driving a Hyundai Genesis may save you money on maintenance and repair costs, but there are better options available when it comes to fuel economy. The Genesis gets just 18 mpg in city driving and 27 mpg on the highway. The most fuel efficient non-hybrid car in the midsize luxury category is the Audi A4, which gets 23 city mpg and 30 highway mpg. The BMW 3 Series has fuel efficiency ratings similar to the Genesis, at 18 city mpg and 28 mpg on the highway. The C Class matches the Genesis and the 3 Series when it comes to city driving, but it is a tad less efficient on the highway. The Infiniti G is strong on fuel economy, getting 20 city mpg and 29 highway mpg. The Genesis is likely to save you money on repairs and maintenance, but its fuel and insurance costs are not particularly competitive.

Safety Ratings for the Hyundai Genesis

The 2011 Hyundai Genesis was awarded a “Top Safety Pick” from the IIHS since it received the highest possible rating in all three crash tests the institute ran. These include the frontal offset test, the side impact test, and the rear crash protection test. The federal government hasn’t tested the 2011 model yet, but it awarded high ratings to the similar 2010 Genesis. The Genesis performed well enough on front-impact, side-impact, and rollover tests to receive 5-star ratings. In addition to these high safety ratings, the Genesis also offers a comforting menu of standard safety features that includes the following:

• Eight air bags
• Traction and stability control
• Anti-lock brakes
• Tire pressure monitoring
• Active head restraints

Reviews for the 2011 Hyundai Genesis

Although reviewers are impressed with the Genesis’ available 4.6 liter V8 engine, which they say can give the BMW 5 Series and the Infiniti M a run for their money, most critics suggest that daily commuters will be happy with the more affordable and fuel efficient 3.8 liter V6. The V6 generates 290 horsepower compared with a whopping 385 for the V8. Either will provide plenty of get-up-and-go to get you to work. Consumer Guide calls the automatic shifting on the Genesis “seamless,” and Automobile Magazine describes both engines as “refined.”

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One area in which reviewers say the Genesis could improve is its handling. Consumer Guide describes the steering as “precise,” and reviewers agree that the Genesis handles fine for the average driver. However, Popular Mechanics and Automobile.com both point out that the Genesis can’t rival BMWs or Mercedes when it comes to sport handling.

The interior of the 2011 Hyundai Genesis pleases reviewers much more than its handling does. Automobile.com calls the Genesis’ interior styling “exceptional,” and Popular Mechanics describes the interior cabin as “cocoon-like,” even at high speeds. U.S. News notes that the seats have a cushier feel than those found in German luxury sedans. Optional features include a navigation system, a 6-disc CD changer, Bluetooth connectivity, and voice recognition.

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