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Cheapest Hyundai Car Insurance (Nov 2023)

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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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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.
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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 CompanyOverall RatingPriceClaims ExperienceCustomer 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
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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.

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
AAA
What needs to be said AAA the standard in the industry
Adam
Progressive
They were the fastest and cheapest around!
Heather
Progressive
Great payments and great service.
Jada
Progressive
Pretty great rates for my car & renter's insurance ! Cut my bill in half from when I was with Allstate.
Laura

Are Hyundai more expensive to insure?

Compared to the average cost of other cars, Hyundais cost 3% more 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 MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Oldsmobile
$79
$108
Mini
$90
$166
Toyota
$93
$166
BMW
$101
$210
Hyundai
$101
$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 MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$42
$154
$53
$225
$61
$185
$71
$180
$72
$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 MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$180
$259
$147
$197
$147
$263
$147
$153
$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.
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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.
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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. 
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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.
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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.
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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.
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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:  
  1. 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. 
  2. Shop around: Insurance rates vary between providers, so shopping around and comparing quotes can help you find the right coverage at the lowest price. 
  3. 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.
  4. 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.
  5. 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.
  6. Bundle your policies:
    Bundle your auto with home insurance
    for a discount. 
  7. 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

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. 
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. 
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.
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

avatar
R.E. Fulton
Expert Insurance Writer and Editor
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.
avatar
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.
avatar
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.