Best Car Insurance for Hyundai 2022

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Car Insurance for Hyundai

On average, Hyundai drivers pay $1,831 each year for car insurance. But depending on the model you have, your insurance rates could vary. A Genesis Coupe 3.8 R-Spec costs $2,269 less more per year to insure than a Elantra Sport.
Debuting in the late 1960s, Hyundai is a South Korean automotive manufacturer that is known for its affordable price point. As the brand continues to make headways via its hybrid and electric vehicles, Hyundai is a great choice for drivers looking to ride smoothly without having to break the bank.
If you decide to go with a Hyundai, you’ll require the appropriate car insurance.
When shopping for car insurance, Jerry can generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassles.
Here are some real quotes from Jerry customers who saved money when insuring their Hyundai.
Quote DateCarLocationZip CodeNameAgeCarrier
Before Jerry
After Jerry
April 30, 2022Hyundai Santa FE LimitedKearney, NE68845Cornelia H.32Progressive$100/mo.$66/mo.
April 29, 2022Hyundai Elantra SETroy, AL36081Elnora F.39National General$122/mo.$79/mo.
May 1, 2022Hyundai Sonata GLSCanton, OH44706Marc C.26Commonwealth Insurance$245/mo.$83/mo.
May 16, 2022Hyundai Sonata GLSStone Mountain, GA30088Stella M.29Assurance America$270/mo.$150/mo.
April 28, 2022Hyundai Palisade SELWalker, LA70785Wesley T.31Progressive$275/mo.$182/mo.
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Insurance for Hyundai models

Insurance costs for Hyundais can vary significantly depending on the car’s age and model, even if they all have the same make.

Insurance for Hyundai based on the year of the car

Older Hyundais generally have lower insurance premiums than newer Hyundais due to depreciation.
A new car loses 23.5 percent of its worth in the first year and 60 percent of its value in the first five years, according to Edmunds. If you need to make a claim, the less your car is worth, the less it will cost to repair or replace it. This equals lower insurance prices for you.
Drivers of newer cars are more likely to lease or loan their vehicles, necessitating the purchase of full-coverage insurance. You’ll always pay more for full coverage compared to the state’s obligatory minimum insurance requirement.
According to Jerry’s internal data, the cheapest years for Hyundais are 2000 and 2004.
The most expensive years for Hyundais are 2018 and 2022.
Average Cost
Annual Savings with Jerry
2022$3,342$1,100Compare Prices
2021$3,227$1,008Compare Prices
2020$3,121$954Compare Prices
2019$3,065$899Compare Prices
2018$3,209$944Compare Prices
2017$3,213$973Compare Prices
2016$3,026$892Compare Prices
2015$3,055$939Compare Prices
2014$2,807$895Compare Prices
2013$2,841$932Compare Prices
2012$2,833$976Compare Prices
2011$2,932$986Compare Prices
2010$2,616$934Compare Prices
2009$2,583$863Compare Prices
2008$2,343$768Compare Prices
2007$2,428$783Compare Prices
2006$2,445$770Compare Prices
2005$2,138$622Compare Prices
2004$1,949$646Compare Prices
2003$2,601$883Compare Prices
2002$1,961$648Compare Prices
2001$2,131$328Compare Prices
2000$1,626$500Compare Prices
1999$2,776$1,065Compare Prices
1997$3,303$1,162Compare Prices
Key Takeaway Older Hyundais are less expensive to fix or replace than modern Hyundais, and because they are not leased or financed, they have reduced insurance prices.
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Insurance for different models of Hyundai based on model

Hyundai’s vehicle lineup is pretty extensive, and your insurance costs will vary depending on which model you have. This is because repair and replacement costs differ between models.
In general, more expensive cars require bigger payouts from insurers—which means bigger insurance premiums for you.
Sedans and compact SUVs are usually less expensive to insure than sporty coupes and huge SUVs, owing to lower prices, greater safety ratings, and lower repair expenses.
The Palisade is one of the largest vehicles on their roster, with its size and pricier repairs leading to generally higher insurance premiums.
Comparatively, a Venue will be one of the least expensive Hyundai models to insure. The compact size and affordable price point of the Venue will lead to lower rates.
If you want to learn more about car insurance costs for some of the most popular Hyundai models, check out the links below.
Key Takeaway Your insurance prices are influenced by the model of your car. The more expensive the car, the more insurance usually costs.
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Full coverage vs. minimum coverage for your Hyundai

Minimum liability coverage is required in almost every state. If you are at fault for an accident, it protects other drivers and their property—but doesn’t cover damage to your car.
Minimum coverages typically include:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Uninsured/underinsured motorist coverageThis coverage reimburses you for your expenses stemming from an accident caused by an uninsured driver.
You may also be required to purchase personal injury protection (PIP) to pay for your medical expenses—which is especially helpful if you live in a no-fault state.
It’s still a good idea to go beyond the basic minimums and purchase full-coverage insurance in case any issues come up. Full coverage insurance policies will make sure you are protected in case of significant vehicle damage or high medical costs.
Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for a Hyundai is $1,632 per year for minimum car insurance and $2,217 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,626 per year for minimum car insurance and $2,298 for full-coverage insurance.
Here’s what it costs to insure a Hyundai with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
A more expensive car, like with most makes, will be more expensive to insure. Hyundai, luckily, is one of the most cost-effective manufacturers on the market.
Hyundai insurance premiums are comparable to, if not lower than, similar brands such as Toyota and Honda. If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Hyundai

While some basic insurance costs are determined by the car’s model, age, and type of insurance, carriers will also consider your unique demographics and other criteria when determining your rates.

The model of Hyundai you drive

The model of your car has a significant impact on your insurance prices. As previously stated, choosing a sedan such as the Venue will lower your insurance premiums compared to a large SUV such as the Palisade. However, even for the same model, your insurance can differ.
Most models come in a variety of trim levels—various variants of the same model with different features—and a higher trim can mean higher insurance premiums.
For example, here’s what insurance you might want to consider for a Hyundai Elantra.
TrimFeaturesRecommended coverageReason for coverage
Elantra SEThe SE is the base trim for the Elantra. It features 15-inch alloy wheels, a chrome front grille, and a suite of safety equipment and aids.Towing and Labor coverageIf you ever get stranded with your Elantra, towing and labor coverage will cover the associated costs that might come about.
Elantra LimitedThe top-of-the-line trim includes leather-trimmed seats, an enhanced voice recognition system, and a 10.25-inch touchscreen with navigation.New car replacement insuranceThis coverage entitles you to the full market value of your car, instead of the depreciated actual cash value, in the case your Elantra is totaled soon after purchase.

Your insurance company

With so many insurance companies to choose from, you might think that sticking with the one you’ve always used is the simplest way to insure your Hyundai—but this isn’t necessarily the case. Insurers might charge drastically different rates for the same driver and coverage. You should compare quotes if you want the best policy and premium.
Comparing prices, though, might take a long time and be tedious—especially if you’re doing all of your own research for Hyundai insurance. This is where Jerry can come in handy. If you’re hesitant to switch plans or insurance providers because you’re worried about the work involved, don’t be. It takes less than a minute to get competitive quotes from the top auto insurance providers in the country.
Jerry does all the paperwork for you and even helps cancel your old policy!
Here’s what Hyundai drivers paid for car insurance before and after switching with Jerry:
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Your age

When it comes to determining your insurance premiums, one of the most important elements that insurers consider is your age.
Young drivers, on average, pay substantially more for insurance than older drivers. Insurance companies frequently perceive younger drivers with less driving experience to be high-risk drivers, and therefore raise premiums depending on the possibility of a claim.

Your driving record

Your driving record is another important element in deciding your vehicle insurance prices.
Providers will classify you as a high-risk driver if you have a history of offenses. Multiple minor infractions, such as speeding tickets, or a single major infraction, such as a DUI, can cause your insurance prices to increase.
Even if you have a bad driving record, improving your driving skills or completing defensive driving classes could help you save money on your Hyundai insurance.
Here are some common insurance premiums for Hyundai drivers with previous infractions:
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Where you live

Your location has a bigger impact on your insurance rate than you might think. Different places have varying accident rates, crime rates, and natural disaster instances. As a result, Hyundai insurance costs might differ dramatically from city to city, even within the same state.
It all boils down to how much risk your insurance company is willing to assume. You should anticipate spending extra on your policy if your city has a lot of car thefts, wrecks, or extreme weather events. According to our data, there is a high percentage of Hyundai drivers in cities including Houston (TX), Atlanta (GA), Philadelphia (PA), Phoenix (AZ) and Charlotte (NC). The cheapest car insurance for Hyundai for Jerry users is in Bayville (NJ) and Wheaton (IL). The most expensive car insurance for Hyundai for Jerry users is in Shasta-Lake (CA) and Shasta Lake (CA).
Regardless of where you live, your demographics, or the model of Hyundai you drive, you can find the best rates on car insurance by shopping with Jerry.
Jerry is an insurance comparison app that shops for low prices with over 50 different insurance companies for free. Once you choose the policy that works for you, Jerry will help you take care of the rest—including filling out all paperwork and helping to cancel your old policy.

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