Autoblog and Yahoo may earn commission from links in this article.Comparing insurance on the Accord and the Sonata is a study in how many factors go into a premium beyond just the price of the car. Repair costs, theft rates, safety performance, and the cost of parts all feed into what an insurer charges. Both are mainstream midsize sedans that should be affordable to cover, but the details tip the balance, and they tip it fairly consistently in one direction.2026 Honda Accord HondaThe average premiumsOn the numbers, the Accord comes out ahead. Recent full-coverage data puts the average annual premium for a current Accord at about $2,206, roughly $110 less than a comparable Sonata at about $2,316. That gap holds across several recent model years, not just one, suggesting it reflects something structural rather than a one-time fluctuation.2026 Hyundai SonataHyundaiA difference of about $110 a year is not enormous, but it is recurring for as long as you own the car, and it comes on top of the Accord's other ownership strengths. Among midsize sedans, the Accord tends to rank as one of the more affordable to insure, while the Sonata sits closer to the middle of the pack.Why the Sonata costs morePart of the Sonata's disadvantage traces to theft. Certain older Hyundai models became high-profile theft targets, and insurers respond to elevated theft rates by raising premiums across a model line, since replacing stolen vehicles drives up their losses. The Sonata's full-coverage rates have risen at a faster clip than the segment average in recent years, and that theft history is a meaningful reason why. Newer Sonatas include improved anti-theft measures, which should help over time, but insurance pricing tends to lag real-world changes, so the elevated rates persist for now. That is the single biggest factor pushing the Sonata's cost above the Accord's.2026 Honda Accord HondaWhat works in each car's favorThe Accord is not the cheaper car to buy. Both sedans start in the high $20,000s, around $28,000 to $29,000 at the base level, but the Accord's higher trims and hybrid lift its typical transaction price above the Sonata's, and a pricier vehicle normally pushes insurance up since it costs more to replace or repair. The Accord overcomes that with excellent safety ratings that reduce injury-claim risk and moderate repair costs that keep collision claims manageable. Those strengths more than cancel out its higher value, leaving it competitively priced to insure.2026 Hyundai SonataHyundaiAdvertisementAdvertisementThe Sonata's ace is its lower purchase price, which helps in other areas of ownership even if it does not fully translate to cheaper insurance. It is also a well-equipped, safe sedan, so the premium gap is about risk factors like theft rather than any safety shortfall. For a buyer weighing total costs, the Sonata's savings show up more at the dealership than on the insurance bill.So which one is cheaper to insure?The Honda Accord is cheaper to insure. It averages roughly $110 less per year than the Hyundai Sonata across recent model years, helped by strong safety scores and moderate repair costs, while the Sonata's premiums are elevated partly by theft-related risk that insurers price in. The margin is modest, so insurance alone should not settle the decision, especially since the Sonata's lower purchase price narrows the overall ownership gap. Rates also vary widely by driver, location, and coverage, so anyone choosing between the two should gather real quotes for their own situation.This story was originally published by Autoblog on Jul 11, 2026, where it first appeared in the Car Buying section. Add Autoblog as a Preferred Source by clicking here.