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The average cost of Hyundai car insurance is $2,699 per year. The exact cost of your Hyundai car insurance will depend on your specific model, driving record, location, and the insurance provider you use.
You won’t find one insurance provider with consistently better rates for Hyundai coverage than all the rest. The owner of a brand new 2023 Hyundai Palisade in a big city would have to look much harder for cheap car insurance than, say, the owner of a 2005 Hyundai Accent in an isolated rural town. Even then, these drivers will find different quotes from different companies—so how do you find the best auto insurance rates for your Hyundai?
Give Jerry the trustworthy super app a try! In less than a minute, Jerry can track down the cheapest rate for the coverage you need from its trusted network of over 55 insurance providers. Keep reading to learn more about the factors that affect the cost of your Hyundai insurance, and some easy tips to find the most affordable rates.
How much does Hyundai car insurance cost?
The average annual cost for Hyundai car insurance is $2,699. However, specific insurance costs for a Hyundai will vary depending on the model as well as the driver’s history, demographics, and coverage preferences.
Hyundai insurance tends to be fairly affordable for the following reason:
- Hyundais are often mass-produced, entry-level vehicles for which replacement parts are relatively cheap and available.
- Hyundai receives near-perfect safety ratings from the NHTSA and IIHS, including nine IIHS Top Safety Pick and Top Safety Pick Plus awards in 2022.
- Hyundai ranks as one of the top 10 most reliable automakers in the world, which means less cause for concern for insurance providers.
Not all Hyundai insurance rates are created equal. If you paid more to upgrade your Hyundai to a higher trim, for example, your insurance rates will go up to account for the additional value. If you drive a relatively simple Hyundai with a full suite of safety features, on the other hand, you’d likely pay much less.
Don’t just take it from us! See what real Jerry customers were quoted for their Hyundai insurance below!
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| March 17, 2023 | Hyundai Sonata Hybrid | $600/mo. | $423/mo. | Thonotosassa, FL | 33592 | Jimmy D. | 23 | Dairyland |
| March 16, 2023 | Hyundai Elantra SE | $219/mo. | $61/mo. | Austin, TX | 78759 | Danny M. | 42 | Progressive |
| March 15, 2023 | Hyundai Sonata GLS | $180/mo. | $132/mo. | Philadelphia, PA | 19111 | Edgar G. | 31 | Dairyland |
| February 27, 2023 | Hyundai Sonata GLS | $200/mo. | $194/mo. | Charlotte, NC | 28269 | Chris M. | 25 | Progressive |
| February 27, 2023 | Hyundai Sonata Sport | $110/mo. | $76/mo. | Mesa, AZ | 85205 | Francis T. | 39 | Progressive |
How much insurance do you need for a Hyundai?
Insurance needs also vary greatly depending on the vehicle and driver, but let’s start by looking at two important factors: where you live and the age of your Hyundai.
At the very least, your insurance needs to meet your state’s minimum car insurance requirements. These requirements typically include liability coverage (both bodily injury liability car insurance and property damage liability insurance) to prove that you are fiscally responsible enough to operate a motor vehicle.
Certain states, however, require other types of coverage as well, including:
- Uninsured/underinsured motorist coverage: Protects your finances if you’re in an accident with a driver who doesn’t carry enough liability insurance to cover your expenses
- Personal injury protection (PIP): Covers medical expenses for you and your passengers, as well as rehabilitation and funeral costs. Required in no-fault states
- Medical payments (MedPay) coverage: Covers certain medical expenses for you and your passengers
You can’t legally drive your Hyundai until you’ve met your state’s minimum requirements—and even then you may want more protection on your policy. While you probably don’t need much additional coverage for a twenty-two-year-old Hyundai Elantra, many drivers opt for a full coverage car insurance policy complete with collision and comprehensive coverage.
Collision and comprehensive coverage protect your Hyundai against a wide variety of events like accidents, natural disasters, theft, vandalism, severe weather, and more. Many lenders will even require full coverage insurance, as well as gap insurance, which covers any remaining value on a loan if a vehicle is deemed a total loss.
Hyundai car insurance rates by model
The specific model of your car plays a big role in determining just how much your Hyundai insurance will cost. In general, insurance for smaller, less expensive models like the Hyundai Accent or Hyundai Kona will be cheaper than for larger, more expensive models like the Hyundai Palisade or Hyundai Veloster N.
It's far more complicated than that, though. Let's look at some of the most popular Hyundai models' average annual premiums to discover how your model could affect your car insurance premium.
How much does Hyundai Elantra insurance cost?
The Hyundai Elantra is an everyday sedan—albeit with a futuristic design to make it stand out from the crowd. With its average size and a standard array of modern safety features, this unique daily driver manages to score fairly average Hyundai insurance costs. However, those insurance costs may go up if you opt for an Elantra Hybrid, due to its more expensive powertrain.
Use the table below to see how the average Elantra premium varies depending on the age of the vehicle and your preferred level of coverage.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Hyundai Elantra | $1,857 | $1,514 |
| 2021 Hyundai Elantra | $2,602 | $1,737 |
| 2020 Hyundai Elantra | $2,437 | $1,821 |
| 2019 Hyundai Elantra | $2,333 | $1,758 |
| 2018 Hyundai Elantra | $2,115 | $1,809 |
To learn more, check out our in-depth breakdown of Hyundai Elantra insurance costs!
How much does Hyundai Santa Fe insurance cost?
A small SUV like the Hyundai Santa Fe offers the best of both worlds—functional utility without all the bulk and typically low insurance costs!
The Santa Fe comes with a decked-out suite of standard safety technology, including many advanced features like adaptive cruise control and lane-keeping assist.
Check out the table below to compare costs for full-coverage and minimum insurance policies on different model years of the Santa Fe.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Hyundai Santa Fe Se | $1,857 | $1,514 |
| 2021 Hyundai Santa Fe Se | $2,602 | $1,737 |
| 2020 Hyundai Santa Fe Se | $2,437 | $1,821 |
| 2019 Hyundai Santa Fe Se | $2,333 | $1,758 |
| 2018 Hyundai Santa Fe Se | $2,115 | $1,809 |
To learn more, check out our in-depth breakdown of Hyundai Santa Fe insurance costs!
How much does Hyundai Ioniq insurance cost?
One of Hyundai’s more forward-thinking vehicles, the Hyundai Ioniq is a standard hybrid offering with the option to upgrade to a plug-in hybrid electric vehicle (PHEV) powertrain. Insurance for green vehicles tends to be higher to account for more expensive parts and repairs, and the Ioniq is no exception with some of the highest Hyundai insurance costs.
Compare the average costs for full coverage and minimum Ioniq insurance policies below.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Hyundai Ioniq | $1,857 | $1,514 |
| 2021 Hyundai Ioniq | $2,602 | $1,737 |
| 2020 Hyundai Ioniq | $2,437 | $1,821 |
| 2019 Hyundai Ioniq | $2,333 | $1,758 |
| 2018 Hyundai Ioniq | $2,115 | $1,809 |
To learn more, check out our in-depth breakdown of Hyundai Ioniq insurance costs!
How much does Hyundai Sonata insurance cost?
Also on the higher end of the insurance spectrum, the Hyundai Sonata is the manufacturer’s most expensive sedan to insure. Much like the Santa Fe, the Sonata has a ton of standard advanced safety features thanks to Hyundai’s SmartSense safety package. However, this handsome ride also has a ton of expensive technology and a higher MSRP than the other sedans in Hyundai’s line-up.
Remember, factors such as your age, driving record, and coverage preferences can increase your Sonata’s insurance.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Hyundai Sonata Se | $1,350 | $1,818 |
| 2019 Hyundai Sonata Se | $2,180 | $2,166 |
| 2018 Hyundai Sonata Se | $2,537 | $2,092 |
| 2017 Hyundai Sonata Se | $2,396 | $1,617 |
| 2016 Hyundai Sonata Se | $2,852 | $1,709 |
To learn more, check out our in-depth breakdown of Hyundai Sonata insurance costs!
How much does Hyundai Tucson insurance cost?
On the opposite end of the spectrum, the Hyundai Tucson is the cheapest Hyundai model to insure. Ironically, nothing is outstanding about this SUV when it comes to safety or reliability. In any case, the Tucson is a run-of-the-mill small SUV with one of the least expensive price tags in the Hyundai family.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Hyundai Tucson Se | $2,100 | $1,818 |
| 2019 Hyundai Tucson Se | $2,320 | $1,662 |
| 2017 Hyundai Tucson Se | $2,937 | $1,121 |
| 2008 Hyundai Tucson Se | $1,206 | $1,480 |
| 2007 Hyundai Tucson Se | $2,668 | $4,348 |
To learn more, check out our in-depth breakdown of Hyundai Tucson insurance costs!
Compare Hyundai car insurance quotes
Looking up average car insurance costs is one thing, but comparing actual quotes for your unique driver profile and vehicle? That’s a lot more complicated than a simple google search.
Only if you’re not using Jerry, that is. This car insurance super app makes it easier than ever to gather real quotes from your most compatible insurance companies for your Hyundai. Jerry is also a licensed insurance broker so you can trust that you’re getting the best and most accurate information.
Download the Jerry app today to browse your best free quotes for Hyundai car insurance. Pick your new policy and our insurance experts will help you finalize your switch—all in the app!
Best car insurance companies for your Hyundai
No one provider offers the best rates for all Hyundais. Not even Hyundai Power Protect® from Liberty Mutual is guaranteed to offer the absolute lowest rate for your Hyundai’s coverage. Different insurance companies use different approaches to calculate your car insurance premium.
That’s why Jerry works with a growing network of more than 55 top providers across the country—to better your chances of finding a company whose rates work for you.
Compare the costs for Hyundai insurance from different providers in the table below—and see how much you could save with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $3,368 | $1,082 | |
| National General | $2,962 | $996 | |
| Clearcover | $2,794 | $946 | |
| Allstate | $2,958 | $896 | |
| Progressive | $2,868 | $884 | |
| Kemper | $2,740 | $880 | |
| Safeco | $2,895 | $872 | |
| Nationwide | $2,612 | $825 | |
| State Auto | $2,754 | $821 | |
| Travelers | $2,726 | $741 | |
| Compare Prices | |||
Hyundai auto insurance cost by driving record
No matter what mode you drive, it’s going to be considerably more difficult to find affordable Hyundai insurance if you have any violations or accidents on your driving record.
A clean driving record spells out the lowest risk in the eyes of your insurance company and gets you the lowest rates. Anything less could cause a significant increase in your insurance premium. Hyundai drivers with a DUI on their record can expect an annual increase of $1,825 for their car insurance, while drivers with a simple speeding ticket can expect an average annual increase of $2,699.
The table below shows just how much you could save on your Hyundai insurance by cleaning up your driving record.
Hyundai car insurance cost by location
Last but not least, where you live plays a major role in determining your Hyundai car insurance rates. Drivers in states with higher insurance requirements and busier roadways like Michigan can expect to pay much more than drivers who live in quieter states like Wisconsin.
Take a look at the table below to compare different states’ average auto insurance rates.
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $3,897 | $1,396 | |
| Austin | $2,225 | $613 | |
| Charlotte | $2,551 | $889 | |
| Dallas | $2,713 | $774 | |
| Houston | $2,810 | $857 | |
| Jacksonville | $2,921 | $687 | |
| Orlando | $3,317 | $1,027 | |
| Philadelphia | $3,459 | $1,021 | |
| Phoenix | $2,498 | $686 | |
| San Antonio | $2,498 | $765 | |
| Compare Prices | |||
By R.E. Fulton
Updated on Mar 20, 2023
Reviewed by Kathleen Flear, Director of Content.
