Hyundai Insurance Rates

The average cost of car insurance for a Hyundai model is about $1,716 per year.

This is $351 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Hyundai insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These Hyundai insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Hyundai Model

Model Good Driver Recent Accident Poor Credit
Hyundai Accent Insurance Cost $1,814 $2,702 $3,194
Hyundai Elantra Insurance Cost $1,734 $2,582 $3,052
Hyundai Elantra GT Insurance Cost $1,694 $2,523 $2,982
Hyundai IONIQ Insurance Cost $1,851 $2,757 $3,259
Hyundai Kona Insurance Cost $1,510 $2,248 $2,658
Hyundai Kona EV Insurance Cost $1,543 $2,299 $2,717
Hyundai Palisade Insurance Cost $1,984 $2,956 $3,494
Hyundai Santa Fe Insurance Cost $1,707 $2,542 $3,005
Hyundai Sonata Insurance Cost $1,812 $2,699 $3,191
Hyundai Tucson Insurance Cost $1,522 $2,268 $2,681
Hyundai Veloster Insurance Cost $1,848 $2,753 $3,254
Hyundai Venue Insurance Cost $1,567 $2,334 $2,760

The cost to insure a Hyundai model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Hyundai, then see our insurance analysis and rankings for other makes and models here.

Hyundai Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,811 $8,655 $10,232
18 $5,415 $8,066 $9,535
19 $4,786 $7,128 $8,427
20 $4,173 $6,216 $7,348
21 $3,500 $5,212 $6,162
22 $3,408 $5,076 $6,001
23 $2,982 $4,442 $5,251
24 $2,833 $4,220 $4,988
25 $2,445 $3,642 $4,305
30 $1,905 $2,837 $3,353
35 $1,784 $2,657 $3,141
40 $1,716 $2,555 $3,021
45 $1,669 $2,487 $2,939
55 $1,531 $2,280 $2,696
65 $1,597 $2,379 $2,812
75 $2,016 $3,002 $3,549

Hyundai auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Hyundai models by state.

Average Hyundai Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,818 $2,546 $3,187
Alaska $1,504 $2,190 $2,294
Arizona $1,700 $2,637 $3,760
Arkansas $1,864 $2,823 $3,158
California $2,075 $3,629 $2,075
Colorado $1,936 $2,681 $3,344
Connecticut $2,474 $3,825 $4,899
Delaware $2,048 $2,820 $3,744
Florida $2,439 $3,312 $4,318
Georgia $1,988 $3,064 $3,144
Hawaii $794 $1,096 $794
Idaho $1,380 $1,857 $2,312
Illinois $1,444 $2,134 $2,476
Indiana $1,484 $2,319 $2,706
Iowa $1,175 $1,763 $2,054
Kansas $1,563 $2,302 $2,726
Kentucky $2,260 $3,399 $3,998
Louisiana $2,901 $4,434 $4,774
Maine $1,097 $1,472 $2,147
Maryland $1,775 $2,603 $3,074
Massachusetts $1,424 $2,408 $1,424
Michigan $3,436 $5,165 $7,942
Minnesota $1,414 $1,900 $2,812
Mississippi $1,707 $2,579 $2,724
Missouri $1,609 $2,216 $2,866
Montana $1,636 $2,559 $2,823
Nebraska $1,382 $1,957 $2,227
Nevada $2,281 $3,442 $3,776
New Hampshire $1,586 $2,557 $3,256
New Jersey $1,748 $2,755 $3,555
New Mexico $1,785 $2,568 $2,884
New York $1,653 $2,153 $3,475
North Carolina $1,025 $1,654 $1,275
North Dakota $1,402 $2,159 $2,740
Ohio $1,250 $2,045 $2,119
Oklahoma $1,997 $2,998 $3,400
Oregon $1,817 $2,744 $3,148
Pennsylvania $1,531 $2,314 $2,656
Rhode Island $2,555 $3,921 $4,485
South Carolina $1,735 $2,511 $3,584
South Dakota $1,557 $2,142 $2,570
Tennessee $1,831 $2,739 $3,456
Texas $1,844 $2,714 $3,407
Utah $1,569 $2,268 $3,128
Vermont $1,208 $1,931 $2,111
Virginia $1,138 $1,713 $1,820
Washington $1,506 $2,262 $2,668
West Virginia $1,515 $2,207 $2,725
Wisconsin $1,510 $2,205 $2,678
Wyoming $1,410 $2,072 $2,317

Other Important Hyundai Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Hyundai models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Hyundai? We have millions of new and used vehicles listed. Here are some Hyundai models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.