When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
On average, Hyundai car insurance costs an average of $2,831 a year or $236 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Hyundai model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Hyundai is $2,831 per year.
- The Venue is the cheapest Hyundai model to insure.
- Advanced safety features that come standard on Hyundai models help lower your insurance costs.
Average cost of car insurance for a Hyundai, by company
Car insurance premiums can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Hyundai vehicles compare among different insurers in the table below.
Cost to insure a Hyundai, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,975 | $987 | $165 |
| GEICO | $2,187 | $1,093 | $182 |
| State Farm | $2,411 | $1,206 | $201 |
| Progressive | $2,628 | $1,314 | $219 |
| Nationwide | $2,633 | $1,317 | $219 |
| Allstate | $3,502 | $1,751 | $292 |
| Farmers | $3,807 | $1,904 | $317 |
| USAA | $1,913 | $957 | $159 |
Hyundai average insurance rates, by model
Hyundai Venue car insurance cost
Car insurance costs $204 per month or $2,442 a year on average for a Hyundai Venue, according to CarInsurance.com’s data study. Travelers has the cheapest car insurance rates for Hyundai Venue among the companies analyzed. Its average annual cost for a Hyundai Venue is $1,820 or $152 per month.
Hyundai Kona car insurance cost
The average monthly car insurance premium for a Hyundai Kona is $205 or $2,460 annually. Travelers is the most affordable company for a Hyundai Kona owner, offering insurance at a monthly rate of just $147 or $1,760 per year.
Hyundai Tucson car insurance cost
For Hyundai Tucson owners, the average car insurance cost is $207 per month or $2,483 annually. Travelers offers the most affordable insurance premiums with an average annual cost of $1,825 or $152 per month.
Hyundai Kona Electric car insurance cost
The average car insurance premium for Hyundai Kona Electric is $212 per month, which translates to $2,544 per year. The most affordable company for a Hyundai Kona Electric is Travelers with a rate of $142 monthly or $1,703 per year.
Hyundai Santa Cruz car insurance cost
The average monthly car insurance premium for a Hyundai Santa Cruz is $218 , which totals $2,613 annually. Travelers offers the cheapest rate at $148 per month or $1,780 annually.
Hyundai Santa Fe car insurance cost
The average car insurance premium for Hyundai Santa Fe is $227 per month, which translates to $2,718 per year. The most affordable company for a Hyundai Santa Fe is Travelers with a rate of $152 monthly or $1,827 per year.
Insurance rates by car model
The average cost of car insurance for a Hyundai, by age
The cost of Hyundai car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Hyundai by the driver’s age.
Cost to insure a Hyundai, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Hyundai Elantra | $9,905 | $4,953 | $825 |
| 18 | Hyundai Elantra N | $11,540 | $5,770 | $962 |
| 18 | Hyundai Ioniq 5 | $11,071 | $5,535 | $923 |
| 18 | Hyundai Ioniq 6 | $11,407 | $5,704 | $951 |
| 18 | Hyundai Kona | $7,997 | $3,999 | $666 |
| 18 | Hyundai Kona Electric | $8,300 | $4,150 | $692 |
| 18 | Hyundai Palisade | $8,741 | $4,370 | $728 |
| 18 | Hyundai Santa Cruz | $8,365 | $4,183 | $697 |
| 18 | Hyundai Santa Fe | $8,727 | $4,364 | $727 |
| 18 | Hyundai Santa Fe Hybrid | $9,078 | $4,539 | $756 |
| 18 | Hyundai Sonata | $10,129 | $5,065 | $844 |
| 18 | Hyundai Tucson | $8,041 | $4,020 | $670 |
| 18 | Hyundai Tucson Hybrid | $8,792 | $4,396 | $733 |
| 18 | Hyundai Venue | $7,937 | $3,969 | $661 |
Cost to insure a Hyundai, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Hyundai Elantra | $3,030 | $1,515 | $253 |
| 40 | Hyundai Elantra N | $3,559 | $1,779 | $297 |
| 40 | Hyundai Ioniq 5 | $3,397 | $1,698 | $283 |
| 40 | Hyundai Ioniq 6 | $3,455 | $1,727 | $288 |
| 40 | Hyundai Kona | $2,460 | $1,230 | $205 |
| 40 | Hyundai Kona Electric | $2,544 | $1,272 | $212 |
| 40 | Hyundai Palisade | $2,748 | $1,374 | $229 |
| 40 | Hyundai Santa Cruz | $2,613 | $1,307 | $218 |
| 40 | Hyundai Santa Fe | $2,718 | $1,359 | $227 |
| 40 | Hyundai Santa Fe Hybrid | $2,823 | $1,411 | $235 |
| 40 | Hyundai Sonata | $3,097 | $1,549 | $258 |
| 40 | Hyundai Tucson | $2,483 | $1,241 | $207 |
| 40 | Hyundai Tucson Hybrid | $2,723 | $1,362 | $227 |
| 40 | Hyundai Venue | $2,442 | $1,221 | $204 |
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Hyundai car insurance rates by state
When it comes to insuring your Hyundai, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Hyundai car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,534 | $1,267 | $211 |
| Alabama | $2,500 | $1,250 | $208 |
| Arkansas | $3,141 | $1,571 | $262 |
| Arizona | $2,919 | $1,460 | $243 |
| California | $3,567 | $1,784 | $297 |
| Colorado | $3,271 | $1,636 | $273 |
| Connecticut | $3,307 | $1,653 | $276 |
| Washington, D.C. | $3,586 | $1,793 | $299 |
| Delaware | $3,288 | $1,644 | $274 |
| Florida | $3,463 | $1,732 | $289 |
| Georgia | $2,962 | $1,481 | $247 |
| Hawaii | $1,653 | $827 | $138 |
| Iowa | $2,482 | $1,241 | $207 |
| Idaho | $1,891 | $946 | $158 |
| Illinois | $2,381 | $1,191 | $198 |
| Indiana | $1,939 | $970 | $162 |
| Kansas | $2,701 | $1,351 | $225 |
| Kentucky | $3,232 | $1,616 | $269 |
| Louisiana | $4,821 | $2,410 | $402 |
| Massachusetts | $2,348 | $1,174 | $196 |
| Maryland | $3,017 | $1,509 | $251 |
| Maine | $1,690 | $845 | $141 |
| Michigan | $4,061 | $2,030 | $338 |
| Minnesota | $2,650 | $1,325 | $221 |
| Missouri | $2,659 | $1,330 | $222 |
| Mississippi | $3,059 | $1,530 | $255 |
| Montana | $2,665 | $1,332 | $222 |
| North Carolina | $2,586 | $1,293 | $216 |
| North Dakota | $2,299 | $1,149 | $192 |
| Nebraska | $2,845 | $1,422 | $237 |
| New Hampshire | $1,813 | $907 | $151 |
| New Jersey | $3,296 | $1,648 | $275 |
| New Mexico | $2,783 | $1,391 | $232 |
| Nevada | $3,816 | $1,908 | $318 |
| New York | $3,162 | $1,581 | $263 |
| Ohio | $1,893 | $947 | $158 |
| Oklahoma | $3,117 | $1,559 | $260 |
| Oregon | $2,445 | $1,223 | $204 |
| Pennsylvania | $2,713 | $1,356 | $226 |
| Rhode Island | $2,943 | $1,472 | $245 |
| South Carolina | $3,349 | $1,675 | $279 |
| South Dakota | $3,066 | $1,533 | $256 |
| Tennessee | $2,455 | $1,228 | $205 |
| Texas | $3,170 | $1,585 | $264 |
| Utah | $2,241 | $1,120 | $187 |
| Virginia | $2,264 | $1,132 | $189 |
| Vermont | $1,803 | $902 | $150 |
| Washington | $2,362 | $1,181 | $197 |
| Wisconsin | $2,705 | $1,353 | $225 |
| West Virginia | $2,416 | $1,208 | $201 |
| Wyoming | $2,171 | $1,085 | $181 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Hyundai car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Hyundai models to insure
Opting for smaller, less costly Hyundai models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Hyundai models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
How to save on car insurance for a Hyundai
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Hyundai discounts on car insurance
You can take advantage of all the available discounts to lower your Hyundai car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Hyundai auto insurance.
How does a car’s make affect car insurance rates?
Curious about Hyundai insurance premiums? The insurance rates vary based on the specific model you choose. Since Hyundai manufactures various vehicles, the insurance premiums differ accordingly.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Hyundai
Hyundai Motor Company was founded in 1967 in South Korea. Since its inception, Hyundai has been committed to producing safe, efficient and innovative vehicles. Offering a portfolio ranging from compact cars to SUVs, Hyundai consistently integrates technology in its vehicles to enhance user experience and safety.
Final thoughts on Hyundai insurance costs
Hyundai makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Hyundai model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Hyundai?
Your driving record is important in determining your Hyundai’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Hyundai affect the insurance premium?
The color of your Hyundai does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Hyundai affect insurance costs?
The age of your Hyundai can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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