Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Hyundai.

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Updated on Oct 15, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How much does Hyundai car insurance cost?
How to find the cheapest Hyundai Car Insurance Quotes
Insurance costs for popular Hyundai models
What factors affect Hyundai car insurance rates?
How can I lower the cost of my Hyundai car insurance?
FAQs
Methodology
Meet Our Experts

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How much does Hyundai car insurance cost?

For more than 55 years, Hyundai has been one of the leading makers of sedans and SUVs. Their current lineup speaks for itself: from the Elantra and Santa Cruz to the hybrid Tucson, Hyundai offers affordable picks for every driver.

The

average cost of car insurance

for Hyundai owners is $1,212 per year—but Hyundai insurance rates won’t be the same for every driver. There is no real ‘average’ cost of car insurance, as your price depends on your unique profile. The only way to understand how much your car insurance will cost is to compare car insurance quotes.

How to find the cheapest Hyundai Car Insurance Quotes

Here to help you simplify shopping and maximize savings is Jerry Insurance Agency, the nation’s leading online comparison app that helps Hyundai drivers find the best coverage at the best price from 55+ top insurers.

See the table below for examples of real Hyundai car insurance quotes found by Jerry.

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Insurance coverage
October 15, 2024	Hyundai Elantra SEL	AAA	$342	Andre, 30 Bloomfield, CT	• 100,000/300,000 Liability • Comp / Collision
October 12, 2024	Hyundai Sonata Sport	Plymouth Rock	$362	Joseph, 26 Woodbridge Township, NJ	• 50,000/100,000 Liability • Comp / Collision
October 9, 2024	Hyundai Palisade Limited	Allstate	$177	Cory, 33 Mcallen, TX	• State Minimum Liability • Comp / Collision
October 8, 2024	Hyundai Accent GLS	National General	$172	Joe, 43 Panama City, FL	• No Coverage Liability • Comp / Collision
September 29, 2024	Hyundai Santa FE Limited	Nationwide	$96	Barbara, 36 Ankeny, IA	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 15, 2024

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Insurance rates are based on what Hyundai model you drive, your age, location, driving history, location, coverage needs, and more. That’s why you’ll hear that there’s no ‘average’

auto insurance quote

—they’ll vary between providers and drivers.

The cost to insure a Hyundai varies based on several factors, such as the vehicle model, year, trim level, and the driver’s age, driving record, location, etc. Insurance rates also vary based on the provider, but in general, Hyundais are considered affordable compared to other makes. This may be due to enhanced safety features that prevent accidents and more competitive prices.

Best car insurance companies for Hyundai drivers

Because finding the right policy at the right budget isn’t always easy, we’ve done the work for you.

At Jerry, we wanted to take the stress and hassle out of insurance shopping, so we conducted the largest shopping survey in the insurance industry to help Hyundai drivers find the best insurance prices. We spoke to over 16,000 policyholders in 50 states about 87 insurance providers and found that no single insurance provider offers the best rate for every. Insurance policies are highly personalized, and what’s right for one driver may not be suitable for another.

Here’s how Hyundai drivers rate some of the top insurance companies.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.6	4.4	4	4.5
Travelers	4.5	4.2	4.4	4.5
Progressive	4.3	3.9	3.9	4.3
AAA	4.2	4	3.8	4.4
Allstate	4.2	3.6	3.8	4.2
USAA	4	3.5	4.5	4.2
State Farm	4	3.4	3.8	4.2
Farmers	4	3.4	4.1	3.9
Geico	3.9	3.3	3.9	4
Liberty Mutual	3.7	3.2	3.5	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Insurance costs for popular Hyundai models

Insurance rates for Hyundai drivers tend to be much more affordable than other more expensive vehicle makes, but finding the right policy can still be a challenge. That’s because Hyundai insurance rates depend on several factors, including:

Personal factors: Personal factors such as your age, driving record, insurance history, and level of insurance coverage all influence the cost of Hyundai insurance.

Safety features: Hyundai vehicles are usually equipped with several advanced safety features, such as lane departure warning and automatic emergency braking, which can help reduce insurance costs. But some models have additional features available to enhance vehicle safety further. It’s worth asking your insurer about vehicle safety discounts, too.

Warranty: Most new Hyundais have a 5-year/60,000-mile warranty that covers maintenance and repairs of specific vehicle components. This helps reduce insurance rates by reducing the likelihood of major repairs.

Vehicle cost: The cost of your car can also have a big impact on insurance rates, as more expensive vehicles tend to be more costly to insure.

Safety ratings: Certain Hyundai models, such as the Hyundai Sonata and the Santa Fe, have received high safety ratings from the Insurance Institute for Highway Safety (IIHS). Models with high safety ratings can lower insurance costs.

Theft rates: Thanks to a social media trend encouraging users to steal older Hyundai and Kia models without engine immobilizers, the rate of car theft has skyrocketed for Hyundai owners—so you may have TikTok to thank for high insurance costs.

Check out the table below to see the average cost of auto insurance for some popular Hyundai models.

Car	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Hyundai Elantra	$104	$196
Hyundai Sonata	$107	$205
Hyundai Santa	$93	$162
Hyundai Tucson	$94	$161
Hyundai Accent	$99	$182
Hyundai Veloster	$103	$188
Hyundai Kona	$87	$168

Whether you drive a Kona, Santa Fe, Santa Cruz, or Elantra, you’ll need the right car insurance before you can hit the road. That means having

minimum coverage insurance

that meets your state’s requirements; minimum coverage is legally required and generally includes

basic liability insurance

—bodily injury liability and property damage liability.

But for drivers with a new Hyundai or a pricey model, purchasing a

full-coverage insurance

policy that includes

collision

and

comprehensive coverage

is recommended for greater financial security in the event of a crash; a full-coverage policy helps covers the cost of damage to yourself, your vehicle, and other vehicles and passengers. Full coverage policies are also eligible for add-ons like roadside assistance and rental car reimbursement insurance.

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Sean S.

| Verified Jerry Customer

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Hyundai Elantra insurance costs

The Hyundai Elantra has been a mainstay in the automaker’s lineup for over three decades, and it keeps improving. It offers an affordable starting price, plenty of standard features for your money, and good fuel economy, making it stand out. And for those looking for even better mileage, the Elantra Hybrid might be a better option. However, while the attainable price is attractive to buyers, the higher trims and hybrid models fetch higher prices and insurance rates.

Car insurance rates for the Hyundai Elantra average $196 for full coverage and $104 for state minimum coverage per year. However, rates will vary between trim levels and drivers, especially on hybrid models.

Here’s a breakdown of the available trim levels for the 2024 Hyundai Elantra:

SE (starting MSRP: $22,065): Equipped with a 147-horsepower 2.0-liter four-cylinder engine and CVT, cloth upholstery, manually adjustable air conditioning, 8-inch touchscreen, Android Auto and Apple CarPlay smartphone integration (with wireless connectivity), and a four-speaker audio system.

SEL (starting MSRP: $23,315): Adds keyless entry and push-button start, dual-zone automatic climate control, satellite radio, and a six-speaker audio system.

Limited (starting MSRP: $27,915): Adds leather-trimmed seats, a 10.25-inch touchscreen with navigation, Apple CarPlay and Android Auto (non-wireless), enhanced voice recognition system, and rear parking sensors.

N Line (starting MSRP: $28,615): Upgrades to a 201-hp turbocharged 1.6-liter engine with seven-speed dual-clutch automatic transmission, 18-inch alloy wheels with available performance tires, sport-tuned springs and shock absorbers and more sophisticated rear suspension design for better handling, special exterior styling details, and combination leather and cloth seats.

N (starting MSRP: $34,015): Adds a turbocharged 2.0-liter four-cylinder engine good for 276 hp and 289 lb-ft of torque, 19-inch alloy wheels with high-performance summer tires, variable sport exhaust, electronically controlled limited-slip differential, unique steering wheel design, and sport front seats with additional bolstering.

There are also optional packages and features available for the Elantra, which increase comfort and convenience, but also increase insurance rates. Here’s how much you might expect your cost to change based on the trim level of your car:

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Elantra SEL	$117	$208
Elantra SE	$103	$217
Elantra Blue	$136	$210
Elantra GLS	$99	$167
Elantra GT	$96	$198

Check out the table below to see actual Hyundai Elantra insurance quotes from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Hyundai Elantra SE	Nationwide	$140	Sam, 63 Sherman, CT	• 100,000/300,000 Liability • Comp / Collision
Hyundai Elantra SE	Gainsco	$143	Sophie, 31 Columbus, OH	• 50,000/100,000 Liability • Comp / Collision
Hyundai Elantra GLS	Plymouth Rock	$304	Emilie, 24 Blackwood, NJ	• 100,000/300,000 Liability • Comp / Collision
Hyundai Elantra GLS	Clearcover	$95	Glen, 30 Gardendale, AL	• State Minimum Liability • Comp / Collision
Hyundai Elantra GLS	Infinity	$326	Jerome, 26 Pensacola, FL	• State Minimum Liability • Comp / Collision

Last Updated Oct 15, 2024

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Hyundai Tucson insurance costs

The Hyundai Tucson, Hyundai’s most popular SUV, fits between the Kona and Santa Fe and offers high comfort levels, ample tech, and undeniable value. The Tucson is even available as a hybrid and plug-in hybrid to help save on gas. But remember that if you opt for the more fuel-friendly model, you’re trading gas dollars for insurance, as hybrids are generally more expensive to insure.

The Hyundai Tucson costs around $161 for full coverage car insurance and about $94 for state minimum coverage per year.

The 2024 Hyundai Tucson is available in five trim levels:

SE (starting MSRP: $28,235): Includes 17-inch alloy wheels, LED headlights, cloth upholstery, an 8-inch center touchscreen, Apple CarPlay and Android Auto smartphone integration (wireless connectivity for both), and a six-speaker audio system.

SEL (starting MSRP: $29,835): Adds roof rails, tinted rear windows, proximity keyless entry with push-button start, heated front seats, wireless device charging pad, and blind-spot warning with rear cross-traffic warning.

XRT (starting MSRP: $35,060): Upgrades to 19-inch black-painted wheels, unique bumpers, black exterior accents, side steps, roof rails, tow hitch, and a 10.25-inch center touchscreen with navigation system.

N Line (starting MSRP: $35,110): Adds special 19-inch alloy wheels, hands-free liftgate, unique exterior and interior trim, a panoramic sunroof, sport front seats, a 10.25-inch center touchscreen with navigation, wireless device charging pad, and a Bose premium audio system.

Limited (starting MSRP: $37,495): Builds on the SEL with a panoramic sunroof, dark chrome exterior trim, heated steering wheel, heated rear seats, a 10.25-inch center touchscreen with navigation, blind-spot camera, lane keeping system, and surround-view camera system.

The Tucson also has two packages that can be added to trim levels—the Convenience Package and Premium Package—that add features like a hands-free liftgate, H-Tex synthetic leather upholstery, ambient interior lighting, and ventilated front seats for more comfort and convenience. However, keep in mind that adding packages and features increase the car’s value and may also increase insurance rates. Here’s how much you might expect your cost to change based on the trim level of your car:

Find real quotes for real Hyundai Tucson drivers in the table below from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Hyundai Hyundai_tucson	AAA	$70	Brandon, 36 Pahrump, NV	• 50,000/100,000 Liability
Hyundai Hyundai_tucson	Nationwide	$60	Rhoda, 31 Independence, KY	• 100,000/300,000 Liability

Last Updated Oct 15, 2024

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Hyundai Santa Fe insurance costs

The Santa Fe is Hyundai’s mid-size 5-passenger SUV. It’s been popular for decades but recently received a facelift that took it to another level. It’s a spacious and attractive SUV with many features for the money and surprisingly good fuel economy. But a larger SUV typically means higher insurance rates for drivers looking to save on insurance costs. That said, the Santa Fe’s list of standard advanced safety features may help reduce costs.

The Hyundai Santa Fe costs around $162 for full coverage car insurance and about $83 for state minimum coverage per month.

The 2024 Hyundai Santa Fe is available in the following trim levels:

SE (starting MSRP: $30,085): Equipped with a 2.5-liter four-cylinder engine (191 horsepower, 181 lb-ft) and eight-speed automatic transmission, 18-inch alloy wheels, LED headlights, stain-resistant cloth upholstery, an 8-inch infotainment touchscreen, Android Auto and Apple CarPlay smartphone integration (with wireless connectivity), and four USB ports (two front and two rear).

SEL (starting MSRP: $33,785): Adds blind-spot monitor with rear cross-traffic alert, rear passenger safe-exit system keyless entry and push-button ignition, heated front seats and side mirrors, wireless smartphone charging pad, roof rails, and Hyundai's Blue Link connected services.

XRT (starting MSRP: $35,585): Adds XRT-specific dark exterior trim, unique 18-inch wheels, XRT side steps, roof rack cross rails, body-color door handles, and synthetic leather upholstery.

Limited (starting MSRP: $41,935): Upgrades to a turbocharged 2.5-liter four-cylinder (281 hp, 311 lb-ft), upgraded LED headlights, power-folding mirrors, parking sensors, upgraded driver's seat with memory settings, leather upholstery, ventilated front seats, heated steering wheel, heated rear seats, rain-sensing wipers, and automated parking system.

Calligraphy (starting MSRP: $43,935): Adds 20-inch wheels, unique exterior trim, premium leather seating with quilted stitching, ambient interior lighting, faux suede headliner, and a head-up display.

The Santa Fe is also available in a Hybrid and Plug-in Hybrid model for the fuel penny pinchers. But while they do save on fuel costs, the higher MSRP and repair and replacement cost for hybrid parts can hike up insurance rates. Here’s how much you might expect your cost to change based on the trim level of your car:

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Hyundai Sonata SEL	Progressive	$149	Vera, 41 Shorterville, AL	• 50,000/100,000 Liability • Comp / Collision
Hyundai Sonata Hybrid	Safeco	$114	Lois, 59 Lubbock, TX	• 100,000/300,000 Liability • Comp / Collision
Hyundai Sonata Hybrid	Allstate	$83	Jerome, 30 Charlotte, NC	• 100,000/300,000 Liability
Hyundai Santa FE SE	Mercury	$74	Lora, 31 Des Plaines, IL	• State Minimum Liability • Comp / Collision
Hyundai Elantra GLS	Clearcover	$263	Mina, 36 Temple, TX	• 50,000/100,000 Liability • Comp / Collision

Last Updated Oct 12, 2024

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Pretty great rates for my car & renter's insurance ! Cut my bill in half from when I was with Allstate.

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Hyundai Kona insurance costs

The Hyundai Kona is an excellent pick for drivers in the market for a subcompact SUV that’s still spacious despite its size. It has a strong engine, sharp handling, and plenty of features for the price. And with a 5-star overall

NHTSA safety rating

, chances are you’ll have reasonable insurance rates, too.

To be exact, Hyundai Kona car insurance averages around $162 per month for full coverage and $87 per month for state minimum coverage.

Your Kona's trim level and the engine will play a role in car insurance costs, as more features and a more powerful engine typically yield higher insurance. Here’s a breakdown of the available trim levels for the 2024 Hyundai Kona

SE (starting MSRP: $23,475): Equipped with a 2.0-liter four-cylinder engine (147 horsepower, 132 lb-ft) and CVT, 16-inch alloy wheels, heated mirrors, an 8-inch touchscreen, six-speaker audio system, and wireless Apple CarPlay and Android Auto smartphone integration.

SEL (starting MSRP: $25,285): Adds 17-inch wheels, remote engine start, roof rails, tinted rear windows, keyless entry and ignition, and a power-adjustable driver's seat.

N Line (starting MSRP: $29,185): Upgrades to a turbocharged 1.6-liter engine (195 hp, 195 lb-ft), seven-speed dual-clutch automatic transmission, 18-inch wheels, restyled bumpers and grille, digital instrument panel, and upgraded cloth upholstery.

Limited (starting MSRP: $30,285): Adds automatic wipers, auto-dimming rearview mirror, leather upholstery, premium Harman/Kardon sound system, adaptive cruise control, and rear parking sensors.

N (starting MSRP: $36,285): Performance-oriented with a turbocharged 2.0-liter engine (276 hp and 289 lb-ft, can temporarily boost to 286 hp), eight-speed dual-clutch automatic transmission, 19-inch wheels with summer performance tires, upgraded brakes, variable sport exhaust, electronic limited-slip differential, aerodynamic body kit, selectable driving modes, leather upholstery with suede inserts, and sport seats with extra bolstering.

The SE and SEL models come with most features a driver wants, but for those looking for a higher-performance car—and higher insurance costs—the Kona N’s turbo 2.0-liter engine and sports upgrades might fit the bill. But while insurance rates will increase with higher trim levels, they may be offset by the Kona’s standard safety features. Here’s how much you might expect your cost to change based on the trim level of your car:

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Hyundai Sonata SEL	Progressive	$149	Vera, 41 Shorterville, AL	• 50,000/100,000 Liability • Comp / Collision
Hyundai Sonata Hybrid	Safeco	$114	Lois, 59 Lubbock, TX	• 100,000/300,000 Liability • Comp / Collision
Hyundai Sonata Hybrid	Allstate	$83	Jerome, 30 Charlotte, NC	• 100,000/300,000 Liability
Hyundai Santa FE SE	Mercury	$74	Lora, 31 Des Plaines, IL	• State Minimum Liability • Comp / Collision
Hyundai Elantra GLS	Clearcover	$263	Mina, 36 Temple, TX	• 50,000/100,000 Liability • Comp / Collision

Last Updated Oct 12, 2024

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Hyundai Sonata insurance costs

The Hyundai Sonata is a midsize sedan loaded with style and value. It offers five trim levels, starting with the basic and spacious SE and topping out with the full-loaded performance N Line sport sedan. You’ll get easy-to-use technology features, maximum comfort, and affordable insurance in any trim, thanks to an IIHS Top Safety Pick designation.

On average, the Hyundai Sonata costs $205 for full coverage car insurance and about $107 for state minimum coverage per month.

Here’s an overview of the cost and features of the five 2024 Hyundai Sonata trim levels:

SE (starting MSRP: $26,215): Equipped with a 2.5-liter four-cylinder engine (191 horsepower, 181 lb-ft of torque) with an eight-speed automatic transmission, 16-inch alloy wheels, LED headlights with automatic high-beam operation, remote keyless entry, cloth upholstery, an 8-inch touchscreen infotainment system, Apple CarPlay and Android Auto smartphone integration, and a six-speaker sound system.

SEL (starting MSRP: $28,740): Adds 17-inch wheels, hands-free trunk opener, proximity keyless entry and push-button start, heated front seats, dual-zone automatic climate control, a 10.25-inch touchscreen infotainment system with navigation, and Bluelink connected services.

SEL Plus (starting MSRP: $33,240): Upgrades to a turbocharged 1.6-liter four-cylinder engine (180 hp, 195 lb-ft), transmission paddle shifters, 19-inch wheels, simulated leather seating with microfiber inserts, 12-speaker premium Bose sound system, and enhanced adaptive cruise and lane keeping systems.

N Line (starting MSRP: $35,590): Performance-oriented with a turbocharged 2.5-liter four-cylinder engine (290 hp, 311 lb-ft) and eight-speed dual-clutch automatic transmission, 19-inch wheels, sport-tuned steering and suspension, front seats with additional bolstering, and N Line-specific styling details.

Limited (starting MSRP: $36,240): Builds on the SEL Plus with 18-inch wheels, upgraded LED headlights, rain-sensing windshield wipers, ambient interior lighting, heated steering wheel, leather seating surfaces, ventilated front seats, head-up display, blind-spot view monitor, parking sensors, surround-view monitor, and Remote Smart Parking Assist.

Every Hyundai Sonata is equipped with advanced safety features to enhance accident prevention and road safety, which can also help reduce insurance costs. Here’s how much you might expect your cost to change based on the trim level of your car:

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Sonata GLS	$103	$200
Sonata SE	$110	$203
Sonata Sport	$119	$214
Sonata Hybrid	$108	$209
Sonata Limited	$123	$208

Find real quotes for real Hyundai Sonata drivers in the table below from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Hyundai Sonata SEL	Progressive	$149	Vera, 41 Shorterville, AL	• 50,000/100,000 Liability • Comp / Collision
Hyundai Sonata Hybrid	Safeco	$114	Lois, 59 Lubbock, TX	• 100,000/300,000 Liability • Comp / Collision
Hyundai Sonata SE	AAA	$73	Jesse, 26 Wichita, KS	• State Minimum Liability
Hyundai Sonata Sport	Nationwide	$72	Sylvia, 45 Gresham, OR	• No Coverage Liability
Hyundai Sonata ECO	National General	$70	Garrett, 63 San Tan Vly, AZ	• State Minimum Liability

Last Updated Oct 14, 2024

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Are Hyundai more expensive to insure?

Compared to the average cost of other cars, Hyundais cost -- to insure.

But certain features, like vehicle age and hybrid technology, can increase insurance rates. For example, a brand-new 2023 Hyundai Santa Fe PHEV will be more expensive to insure than a 2015 Hyundai Tucson. If your state requires more than liability insurance, it will also mean higher insurance rates.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Lexus	$97	$194
RAM	$98	$189
BMW	$101	$210
Hyundai	$101	$186
Acura	$103	$186

Cheapest Hyundai to insure

The cheapest Hyundai model to insure is the 2021 Hyundai Veloster, with an average monthly premium of $42 for state minimum coverage and an average of $154 for full coverage.

Generally speaking, most Hyundai models' entry-level trims—the SE and SEL—can keep insurance costs low, assuming a clean driving record.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2021 Hyundai Veloster	$86	$154
2022 Hyundai Ioniq	$86	$225
2014 Hyundai Veloster	$86	$185
2014 Hyundai Santa	$86	$180
2016 Hyundai Genesis	$86	$200

Most expensive Hyundai to insure

The most expensive Hyundai model to insure is the 2015 Hyundai Equus, with an average monthly premium of $180 for state minimum coverage and an average of $259 for full coverage.

The most expensive Hyundais to insure will be those with a high purchase price, lots of tech, additional features, and hybrid and plug-in hybrid models. Older Hyundai models with fewer safety features and large engines can also increase insurance costs.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2015 Hyundai Equus	$160	$259
2019 Hyundai Hyyndai Santa	$147	$197
2023 Hyundai Elantra	$147	$263
2014 Hyundai Azera	$147	$153
2019 Hyundai Ioniq	$140	$179

Remember that the car you drive isn’t the only dictating factor when calculating insurance rates. Insurers also consider your age, driving record, insurance and claim history, zip code, coverage needs, and more. That’s why drivers can have drastically different insurance rates even with the same car. That’s also why we recommend shopping around and comparing quotes to find the best price to suit you and your vehicle.

What factors affect Hyundai car insurance rates?

When

calculating car insurance rates

, insurers consider several factors, including:

Vehicle cost: The more expensive the car, the more expensive the insurance. Full coverage car insurance is also the most costly for luxury, high-performance, and sports cars.

Vehicle age: Hyundai vehicles from recent model years will be more expensive to insure, thanks to newer technology and a higher repair and replacement cost.

Vehicle safety features: New Hyundai vehicles have a solid lineup of advanced safety features, but not every model has excellent safety ratings. Those with good crash test scores will likely have lower insurance rates.

Your age: Drivers under 25—especially those 16 to 19—have some of the highest insurance rates due to limited driving experience. Senior drivers over 70 also pay more for insurance than middle-aged drivers.

Your driving record and claims history: Auto insurance companies examine your accident and claims history to determine your risk level. Good drivers are generally rewarded with lower insurance rates.

Credit history: Some states use credit scores to determine your risk level when calculating insurance rates. Drivers with good credit history usually see lower insurance rates.

Coverage: Purchasing minimum coverage is less expensive than a full coverage insurance policy.

Here are some factors that impact auto insurance rates for Hyundais:

Safety features: Hyundais with advanced safety features like forward collision mitigation, lane keep assist, and adaptive cruise control may see lower insurance rates than vehicles with fewer safety features, and driver aids.

Fuel efficiency: Models like the Accent (discontinued) and the Elantra have better fuel efficiency, which can help keep insurance costs low because they’re less expensive to repair and maintain.

Safety ratings: Several Hyundai vehicles have received an IIHS Top Safety Pick or Top Safety Pick+ designation, which can lower insurance rates.

Theft rates: Thanks to social media, some Hyundai and Kia vehicles have become major targets for car thieves. If your Hyundai is targeted, invest in a steering wheel lock to lower your risk.

Hyundai insurance cost for young drivers

Teen drivers

aged 16 to 19 see some of the highest insurance rates of any age group due to limited driving experience. As drivers close in on 25 and have more experience behind the wheel, insurance rates tend to decrease.

For young or new drivers with a new vehicle, we recommend investing in a full-coverage car insurance policy for greater financial protection against accidents.

Check out the table below to see how Jerry helped young Hyundai drivers find affordable car insurance.

Progressive

Mattie (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Blountsville, AL

Hyundai Elantra SEL

$130

per month

Safeco

Gabriel (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Plano, TX

Hyundai Elantra SEL

$75

per month

Nationwide

Helena (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Meriden, CT

Hyundai Sonata SE

$250

per month

Travelers

Jeff (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Wilmington, NC

Hyundai Genesis 4.6L

$164

per month

Hyundai insurance cost for senior drivers

Seniors over age 70 also pay higher insurance rates due to a higher susceptibility to injury and mortality if they’re involved in an accident and slower reflexes that can increase the likelihood of being in a car crash. That said,

car insurance rates for seniors

don’t have to cost an arm and a leg—Jerry can help senior Hyundai drivers find the coverage they need at a cheaper rate.

See how Jerry helped senior Hyundai drivers find car insurance.

Nationwide

Eddie (69 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Snellville, GA

Hyundai Equus Signature

$191

per month

Safeco

Ollie (66 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Dallas, TX

Hyundai Elantra GLS

$107

per month

AAA

Rosalie (65 years old)

Coverage

State Minimum

Elsmere, KY

Hyundai Elantra Blue

$116

per month

Allstate

Derek (71 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Eagle Mountain, UT

Hyundai Venue SE

$151

per month

Plymouth Rock

Nancy (66 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Buffalo, NY

Hyundai Sonata N Line

$147

per month

Hyundai insurance cost for drivers with driving violations

Maintaining a

clean driving record

is one of the easiest ways to keep your car insurance payments low. Hyundai drivers with a history of at-fault accidents, speeding tickets, and other driving violations are classified as high-risk drivers and tend to have higher auto insurance rates than drivers with a clean driving record—and some insurers aren’t willing to insure high-risk drivers.

Cheapest car insurance for Hyundai drivers with speeding ticket

Having a single speeding ticket on your record for a minor speeding violation likely won’t increase your car insurance rates massively, but multiple offenses or a

reckless driving

charge on your record could.

Jerry can help find the most affordable insurance policy for Hyundai drivers with speeding tickets on their record.

Cheapest car insurance for Hyundai drivers with a DUI record

A major violation like a

DUI conviction

on your driving record can be bad news for insurance. Some states may also require drivers to file an SR-22, which automatically comes with higher insurance rates, but even without one, insurance rates will increase exponentially. That’s why using Jerry to shop for the cheapest car insurance quote can be handy.

Check out the chart below to see how Jerry has helped Hyundai drivers find cheap auto insurance after a DUI.

Safeco

Warren (39 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Merrillville, IN

Hyundai Sonata

$57

per month

Progressive

Helen (37 years old)

DUI

Coverage

State Minimum

Hedgesville, WV

Hyundai Elantra

$59

per month

Cheapest car insurance for Hyundai drivers after an accident

An at-fault accident on your car driving record or a history of insurance claims can also result in high insurance rates. But with help from Jerry, Hyundai drivers can find savings on car insurance—even with an at-fault accident on their driving record.

Accident type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
[]	Hyundai Elantra Limited	Progressive	$213	Christina, 21 Laredo, TX	• State Minimum Liability • Comp / Collision
[]	Hyundai Elantra Limited	Safeco	$140	Allen, 36 Christiansburg, VA	• 50,000/100,000 Liability • Comp / Collision
["At Fault With No Injury"]	Hyundai Sonata Hybrid	Allstate	$83	Marguerite, 30 Charlotte, NC	• 100,000/300,000 Liability
[]	Hyundai Ioniq 5 SEL	Travelers	$94	Inez, 51 La Plata, MD	• No Coverage Liability
["At Fault With No Injury"]	Hyundai Santa FE Limited	Infinity	$174	Connor, 36 Homestead, FL	• State Minimum Liability

Last Updated Oct 15, 2024

Cheapest car insurance for Hyundai drivers with other driving violations on their record

In addition to speeding tickets and serious offenses like a DUI, other driving violations like reckless or careless driving,

driving with a suspended license

, or driving without insurance can significantly increase insurance rates.

We’ve compiled a list of various driving violations and how we helped Hyundai drivers lower their car insurance rates with these violations.

Violation	Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Illegal Turn	Hyundai Elantra SE	Progressive	$118	Norman, 53 Kinston, NC	• State Minimum Liability • Comp / Collision
Defective Equipment	Hyundai Tucson Limited	Allstate	$186	Eugene, 40 Denver, CO	• 50,000/100,000 Liability • Comp / Collision
Failure to Obey Signal	Hyundai Elantra SE	Travelers	$320	Robert, 29 Vallejo, CA	• 50,000/100,000 Liability • Comp / Collision
Wrong Way/Wrong Lane	Hyundai Elantra SE	Gainsco	$254	Myrtle, 26 Roanoke, VA	• 30,000/60,000 Liability • Comp / Collision
Cell Phone	Hyundai Sonata Sport	Safeco	$213	Addie, 39 Laurel, MD	• State Minimum Liability • Comp / Collision
Careless Driving	Hyundai Sonata GLS	Infinity	$67	Russell, 30 Winter Garden, FL	• No Coverage Liability
Driving on Sus. License	Hyundai Sonata N Line	AAA	$197	Birdie, 30 Carson, CA	• State Minimum Liability • Comp / Collision
Failure to Stop	Hyundai Accent GLS	Progressive	$215	Luella, 32 Alexandria, VA	• 30,000/60,000 Liability • Comp / Collision
Seat Belt	Hyundai Elantra SE	Infinity	$342	Amy, 27 Orlando, FL	• State Minimum Liability
Improper Passing	Hyundai Sonata GLS	Plymouth Rock	$105	Norman, 30 Harrison, NJ	• 15,000/30,000 Liability

Last Updated Oct 15, 2024

How can I lower the cost of my Hyundai car insurance?

In general, Hyundai insurance costs aren’t too high compared to other makes, but because rates vary based on the vehicle and driver, some drivers may pay more than others.

Use these tips to help lower your Hyundai insurance costs:

Choose a model with advanced safety features: All Hyundai models have safety features, but certain trim levels have more than others. To lower insurance rates, consider upgrading safety features through optional packages.

Shop around: Insurance rates vary between providers, so shopping around and comparing quotes can help you find the right coverage at the lowest price.

Consider increasing your deductible: Increasing your deductible, or the amount you pay out of pocket before your insurance will kick in, can lead to lower monthly insurance payments.

Be a safe driver: Your driving record significantly impacts insurance rates. Insurers reward safe drivers, so maintaining a

clean driving record

or taking a

defensive driving course

may qualify you for lower rates.

Ask about car insurance discounts: Most insurance providers have

a selection of discounts

to help drivers save. Ask which discounts you qualify for to help lower monthly payments.

Bundle your policies:

Bundle your auto with home insurance

for a discount.

Consider usage-based insurance: Some providers offer programs that track your driving habits and adjust your monthly payments accordingly. This can be a good option if you don’t drive your Hyundai often.

FAQs

Is it expensive to insure a Hyundai Sonata?

The average price to insure a Hyundai Sonata is $205 per month for full coverage or $107 per month for state-minimum liability. The Sonata is about the same amount to insure compared to similar cars. However, the Hyundai Sonata consistently receives an IIHS Top Safety Pick and a 5-star overall NHTSA safety rating, which can help to reduce insurance costs.

The cost to insure a Sonata also depends on the driver, as age, driving record, insurance history, location, and other factors influence insurance rates.

Which is the best car insurance for Hyundai?

The best car insurance for a Hyundai depends on the driver! All states require drivers to carry liability insurance—bodily injury and property damage liability—but some states also require personal injury protection (PIP), medical payments (MedPay), and uninsured/underinsured motorist coverage. If you lease or finance a vehicle, you’ll probably also be required to carry collision and comprehensive coverage until your loan is paid off.

Why are Hyundai Elantras so expensive to insure?

Insurance rates for a Hyundai Elantra can vary significantly based on several factors, but the vehicle age and trim level can have a significant impact. For example, new models of the Elantra with more technology fetch higher premiums than older models. And if you go for the top-tier performance model, a more powerful engine and more features hike up rates.

Other factors that may lead to expensive insurance for the Hyundai Elantra include your location, coverage needs, driving record, insurance history, and credit score.

How much does it cost to insure a 2022 Hyundai Elantra?

The average cost to insure a 2022 Hyundai Elantra is $103 per month for state-minimum coverage or $223 for full coverage. Remember that this is just an average—your rate may be above or below the rate based on your vehicle’s trim level and features, as well as your age, driving record, insurance or claims history, location, credit score, and coverage needs.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.