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
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| December 22, 2024 | Hyundai Santa Fe Limited | National General | $173 | Leah, 27, Midway, FL | State Minimum | Yes |
| December 22, 2024 | Hyundai Genesis 5.0L | Progressive | $312 | Adeline, 74, Blue Island, IL | State Minimum | Yes |
| December 22, 2024 | Hyundai Veloster | Embark General | $138 | Emma, 50, Somerville, MA | State Minimum | No |
| December 22, 2024 | Hyundai Sonata Limited | National General | $130 | Barbara, 31, Raleigh, NC | State Minimum | Yes |
| December 22, 2024 | Hyundai Sonata N Line | Anchor General | $267 | Ricardo, 26, Adelanto, CA | State Minimum | Yes |
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.
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 SE | $103 | $217 |
| Elantra GT | $96 | $198 |
| Elantra Blue | $136 | $210 |
| Elantra SEL | $117 | $208 |
| Elantra GLS | $99 | $167 |
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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Hyundai Elantra Limited | The General | $110 | Mamie, 26, Phenix City, AL | State Minimum | Yes |
| Hyundai Elantra Gls | Bristol West | $57 | Eddie, 64, Las Cruces, NM | State Minimum | No |
| Hyundai Elantra Se | Embark General | $495 | Isabella, 41, Saint Petersburg, FL | No Coverage | No |
| Hyundai Elantra Limited | Bristol West | $424 | Anne, 26, Redondo Beach, CA | 25/50 | No |
| Hyundai Elantra Gt | National General | $120 | Leila, 23, Saint Paul, MN | State Minimum | No |
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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Hyundai Tucson | Progressive | $221 | Dale, 40, North Bergen, NJ | 25/50 | Yes |
| Hyundai Tucson | Bristol West | $198 | Louise, 55, Vancouver, WA | 50/100 | Yes |
| Hyundai Tucson | National General | $79 | Raymond, 27, Ocala, FL | No Coverage | Yes |
| Hyundai Tucson | Assurance America | $441 | Joshua, 63, Lithonia, GA | State Minimum | No |
| Hyundai Tucson | Progressive | $156 | Henrietta, 44, Fort Worth, TX | State Minimum | No |
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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Hyundai Santa Fe Limited | National General | $173 | Leah, 27, Midway, FL | State Minimum | Yes |
| Hyundai Genesis 5.0L | Progressive | $312 | Adeline, 74, Blue Island, IL | State Minimum | Yes |
| Hyundai Veloster | Embark General | $138 | Emma, 50, Somerville, MA | State Minimum | No |
| Hyundai Sonata Limited | National General | $130 | Barbara, 31, Raleigh, NC | State Minimum | Yes |
| Hyundai Sonata N Line | Anchor General | $267 | Ricardo, 26, Adelanto, CA | State Minimum | Yes |
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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Hyundai Santa Fe Limited | National General | $173 | Leah, 27, Midway, FL | State Minimum | Yes |
| Hyundai Genesis 5.0L | Progressive | $312 | Adeline, 74, Blue Island, IL | State Minimum | Yes |
| Hyundai Veloster | Embark General | $138 | Emma, 50, Somerville, MA | State Minimum | No |
| Hyundai Sonata Limited | National General | $130 | Barbara, 31, Raleigh, NC | State Minimum | Yes |
| Hyundai Sonata N Line | Anchor General | $267 | Ricardo, 26, Adelanto, CA | State Minimum | Yes |
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 SE | $110 | $203 |
| Sonata Sport | $119 | $214 |
| Sonata Limited | $123 | $208 |
| Sonata Hybrid | $108 | $209 |
| Sonata GLS | $103 | $200 |
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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Hyundai Sonata Limited | National General | $130 | Barbara, 31, Raleigh, NC | State Minimum | Yes |
| Hyundai Sonata N Line | Anchor General | $267 | Ricardo, 26, Adelanto, CA | State Minimum | Yes |
| Hyundai Sonata Limited | Progressive | $134 | Matthew, 28, Dallas, TX | State Minimum | No |
| Hyundai Sonata Se | National General | $173 | Lelia, 28, Massillon, OH | State Minimum | Yes |
| Hyundai Sonata Se | Dairyland | $130 | Edna, 34, Sunnyside, UT | State Minimum | No |
Are Hyundai more expensive to insure?
Compared to the average cost of other cars, Hyundais cost 4% 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 Make | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
| Mercedes-Benz | $100 | $208 |
| Hyundai | $101 | $186 |
| BMW | $101 | $210 |
| Infiniti | $105 | $213 |
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.
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.
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.
|
Speeding Type
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Speeding Violation-Major | Hyundai Elantra Limited | The General | $110 | Mamie, 26, Phenix City, AL | State Minimum | Yes |
| Speeding Violation-Major | Hyundai Tucson Limited | Bristol West | $198 | Louise, 55, Vancouver, WA | 50/100 | Yes |
| Speeding Violation-Major | Hyundai Sonata Sel | Trexis | $422 | Elsie, 22, Chattanooga, TN | State Minimum | Yes |
| Speeding Violation-Minor | Hyundai Tucson Gls | Dairyland | $218 | Fanny, 35, Modesto, CA | State Minimum | Yes |
| Speeding Violation-Major | Hyundai Elantra Limited | Safeco | $222 | May, 29, Midland, NC | State Minimum | No |
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.
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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Accident type
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Not At Fault | Hyundai Santa Fe Limited | National General | $173 | Leah, 27, Midway, FL | State Minimum | Yes |
| At Fault With Injury | Hyundai Sonata Limited | National General | $130 | Barbara, 31, Raleigh, NC | State Minimum | Yes |
| Not At Fault | Hyundai Sonata Se | National General | $173 | Lelia, 28, Massillon, OH | State Minimum | Yes |
| At Fault With No Injury | Hyundai Sonata Se | Dairyland | $130 | Edna, 34, Sunnyside, UT | State Minimum | No |
| At Fault With No Injury | Hyundai Elantra Limited | The General | $110 | Mamie, 26, Phenix City, AL | State Minimum | Yes |
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
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Other Minor | Hyundai Santa Fe Limited | National General | $173 | Leah, 27, Midway, FL | State Minimum | Yes |
| Improper Passing | Hyundai Sonata Limited | Progressive | $115 | Wayne, 32, Buford, GA | 50/100 | Yes |
| Other Minor | Hyundai Elantra Se | Embark General | $495 | Isabella, 41, Saint Petersburg, FL | No Coverage | No |
| Other Minor | Hyundai Sonata Limited | Progressive | $265 | Rosa, 66, Jacksonville, FL | State Minimum | No |
| Other Minor | Hyundai Sonata Gls | Progressive | $327 | Curtis, 24, Newark, NJ | 25/50 | No |
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.
FAQ
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Is it expensive to insure a Hyundai Sonata?
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Which is the best car insurance for Hyundai?
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Why are Hyundai Elantras so expensive to insure?
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How much does it cost to insure a 2022 Hyundai Elantra?
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Licensed Insurance Agent
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 is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
