Hyundai’s name is derived from the word for “modernity” in its native Korean, and the logo represents a handshake — and the company’s commitment to its customers. Once a construction company dating back to 1947, Hyundai has now become synonymous with value and quality with innovations like its IONIQ electric vehicles and its Genesis luxury subdivision.

How much is car insurance for a Hyundai?

The cost to insure a Hyundai depends on your profile as your age, driving record, and location come into consideration. That said, which Hyundai you choose will also influence your rates — spikes in car thefts have resulted in some insurers refusing to insure certain models.

Here are the average quotes for full coverage insurance costs for various Hyundais, based on Jerry’s customer data.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Insurance costs for popular Hyundai models

Your Hyundai insurance rates depend on several factors, including:

• Personal factors: Your age, driving record, insurance history, and level of insurance coverage all influence your premiums.
• Safety features: Newer Hyundais are usually equipped with several safety features, such as lane departure warning and automatic emergency braking. Some insurers provide discounts when a car has these features.
• Vehicle cost: Hyundais that are more expensive to repair or replace will cost more to insure. A $20,200 Hyundai Venue may be less expensive to insure than a $37,200 Palisade.
• Safety ratings: The Hyundai IONIQ 6, IONIQ 5, Kona, Tucson and Santa Fe have received Insurance Institute for Highway Safety’s 2025 Top Safety Pick+ awards. Safer cars cause fewer accidents, which leads to fewer claims and lower average rates. 
• Theft rates: In the first half of 2023 alone, Hyundais (and Kias) were nearly 7 times more likely to get stolen than other makes. This led some insurance providers to opt out of issuing new policies for certain older Hyundai models. But newer models have the anti-theft devices that older ones lacked, and the carmakers offered fixes for some models.

Companies offering the cheapest insurance for Hyundais

Shopping around for quotes can help you find the cheapest quotes for your Hyundai. Then, you’d need to consider whether you want full coverage which includes liability, collision and comprehensive coverages. These are the cheapest rates for full coverage on Hyundais. Freedom, Aspire Advantage or Bluefire typically offer some of the lowest quotes for Jerry customers with Hyundais.

If you financed or leased your Hyundai, you’ll typically need full coverage so that lenders can recoup some of their money if your car is totaled before it’s paid off. However, you’ll only be paid out the current value of your car, which may be less than what you owe on your loan. This is where gap insurance can help you pay off the difference.

If you’ve bought your Hyundai by paying cash, it’s a risky choice but you can consider buying insurance that fulfills your state-mandated minimum coverage levels. This is cheaper than full coverage but it does not cover any damage to your new Hyundai for any reason. It also won’t pay for injuries from an accident that you cause, unless your state mandates PIP or MedPay coverage, which may not pay for all medical bills.

These are the average minimum coverage quotes that Jerry customers who drive Hyundais have received. Aspire Advantage, Anchor General and Mercury generally have some of the cheapest quotes for minimum coverage on Hyundais.

Car insurance for a Hyundai Elantra

The Hyundai Elantra is a classic choice for drivers looking for an entry-level sedan. Starting at $22,125 MSRP, you can opt for different trim levels starting from the SE to the N Line top-trim tier.

The Elantra also has special editions as well as the Elantra Hybrid ($25,450) and the Elantra N high-performance version ($34,350). The Elantra N costs the most to insure, according to our data. This may be because performance and sport vehicles are associated with higher death rates from accidents. They’re also capable of higher speeds, so some insurers consider them to be riskier on the road.

Auto insurance for a Hyundai IONIQ 5

Hyundai’s all-electric SUV is also one of the most expensive cars in Hyundai’s lineup, with a starting MSRP of $42,600 for the SE Standard Range trim, and up to $54,300 for the Limited trim.

Electric cars typically cost more to insure than an equivalent gas-powered car for reasons including costlier repairs, expensive parts and battery fires.

Car insurance for a Hyundai Tucson

The Hyundai Tucson is the most popular Hyundai with over 200,000 units sold in 2024. Its popularity is bolstered by a starting MSRP of $28,705, where you can opt for improvements such as all wheel drive, a hybrid or plug-in hybrid.

Jerry customers also pay a lower average premium for full coverage when they drive a Tucson, compared to an Elantra or IONIQ 5, as the table below shows.

Auto insurance for a Hyundai Sonata

Another long-standing name, the Hyundai Sonata is a midsize sedan that starts at $26,900 MSRP. Its top trim level, the Limited Hybrid, gives you luxuries such as remote smart parking assistance, a hybrid powertrain and remote start.

Sonatas with hybrid powertrains typically cost more to insure than a regular Sonata, according to our data, which is true in many hybrid vs gas-powered models. Consider this when deciding which Sonata to buy.

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

There are several ways you can lower the cost of your Hyundai car insurance.

• Compare rates: The best way to find affordable rates is to shop around for insurance coverage on an app like Jerry, where you can compare quotes side-by-side.
• Ask about discounts: Don’t assume you’re getting every discount you qualify for. Be sure to ask your agent or insurer about any car insurance discounts you may be missing out on.
• Bundle your insurance: If you have a home or renters insurance policy, you can reduce your monthly bill by bundling your auto insurance with the same company.
• Participate in a telematics program: if you drive safely, or few miles overall. These programs track your driving habits and reward some drivers with lower premiums, but some drivers see increases.
• Raise your deductible: The deductible is the amount of money you pay before your insurer will pay on a claim. If you can afford to pay more out of pocket after a wreck than your current deductible, raising it will lower your bill. 
• Reduce your coverage: Older and less valuable cars require less coverage than expensive new models. If you drive an older Hyundai, you may be able to save some money by dropping comprehensive and collision coverage.
• Purchase a used car: New cars tend to cost significantly more to insure than older, used cars. Purchasing a used Hyundai may be an excellent way to cut down on your insurance costs.
• Avoid electric cars: Electric cars like the IONIQ 5 might be cheaper because you never have to visit the gas pump, but they cost more to insure, according to our data.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Lacie Glover

Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.