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 $2,367 a year or $197 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 $2,367 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 vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Hyundai car insurance rates by insurance company.
Cost to insure a Hyundai, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $1,876 | $938 | $156 |
| Nationwide | $2,017 | $1,008 | $168 |
| State Farm | $2,030 | $1,015 | $169 |
| Progressive | $2,134 | $1,067 | $178 |
| Allstate | $3,137 | $1,568 | $261 |
| Farmers | $3,152 | $1,576 | $263 |
Hyundai average insurance rates, by model
Hyundai Venue car insurance cost
Car insurance cost for a Hyundai Venue is $167 per month or $1,999 a year, based on CarInsurance.com’s rate analysis. Nationwide offers the most affordable car insurance rates for a Hyundai Venue at an average monthly cost of $141 or $1,687 yearly.
Hyundai Kona car insurance cost
The average monthly car insurance premium for a Hyundai Kona is $171 or $2,048 annually. Geico is the most affordable company for a Hyundai Kona owner, offering insurance at a monthly rate of just $136 or $1,631 per year.
Hyundai Tucson car insurance cost
For Hyundai Tucson owners, the average car insurance cost is $172 per month or $2,062 annually. Geico offers the most affordable insurance premiums with an average annual cost of $1,613 or $134 per month.
Hyundai Kona Electric car insurance cost
Car insurance costs an average of $190 per month, which adds up to $2,276 a year for a Hyundai Kona Electric. Among the companies analyzed, Geico stands out as the most affordable option, at an average annual cost of $1,668 or $139 per month.
Hyundai Santa Fe car insurance cost
Car insurance cost for a Hyundai Santa Fe is $2,316 a year or $193 monthly. If you own a Hyundai Santa Fe, Geico has the cheapest car insurance rates with an average annual premium of $1,864 or $155 per month.
Hyundai Tucson Hybrid car insurance cost
The average car insurance premium for Hyundai Tucson Hybrid is $196 per month, which translates to $2,347 per year. The most affordable company for a Hyundai Tucson Hybrid is Nationwide with a rate of $160 monthly or $1,915 per year.
Insurance rates by car model
The average cost of car insurance for a Hyundai, by driver age
Your age is an important rating factor in determining your Hyundai car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Hyundai insurance costs based on 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 | $9,246 | $4,623 | $771 |
| 18 | Hyundai Elantra N | $10,639 | $5,319 | $887 |
| 18 | Hyundai Ioniq 5 | $10,376 | $5,188 | $865 |
| 18 | Hyundai Ioniq 6 | $11,210 | $5,605 | $934 |
| 18 | Hyundai Kona | $7,588 | $3,794 | $632 |
| 18 | Hyundai Kona Electric | $8,522 | $4,261 | $710 |
| 18 | Hyundai Palisade | $8,472 | $4,236 | $706 |
| 18 | Hyundai Santa Cruz | $8,572 | $4,286 | $714 |
| 18 | Hyundai Santa Fe | $8,400 | $4,200 | $700 |
| 18 | Hyundai Santa Fe Hybrid | $8,959 | $4,479 | $747 |
| 18 | Hyundai Sonata | $9,894 | $4,947 | $825 |
| 18 | Hyundai Tucson | $7,598 | $3,799 | $633 |
| 18 | Hyundai Tucson Hybrid | $8,550 | $4,275 | $712 |
| 18 | Hyundai Venue | $7,407 | $3,704 | $617 |
Cost to insure a Hyundai, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Hyundai Elantra | $2,447 | $1,224 | $204 |
| 40 | Hyundai Elantra N | $2,913 | $1,457 | $243 |
| 40 | Hyundai Ioniq 5 | $2,721 | $1,360 | $227 |
| 40 | Hyundai Ioniq 6 | $2,929 | $1,465 | $244 |
| 40 | Hyundai Kona | $2,048 | $1,024 | $171 |
| 40 | Hyundai Kona Electric | $2,276 | $1,138 | $190 |
| 40 | Hyundai Palisade | $2,360 | $1,180 | $197 |
| 40 | Hyundai Santa Cruz | $2,376 | $1,188 | $198 |
| 40 | Hyundai Santa Fe | $2,316 | $1,158 | $193 |
| 40 | Hyundai Santa Fe Hybrid | $2,460 | $1,230 | $205 |
| 40 | Hyundai Sonata | $2,639 | $1,319 | $220 |
| 40 | Hyundai Tucson | $2,062 | $1,031 | $172 |
| 40 | Hyundai Tucson Hybrid | $2,347 | $1,174 | $196 |
| 40 | Hyundai Venue | $1,999 | $1,000 | $167 |
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 | $2,152 | $1,076 | $179 |
| Alabama | $2,201 | $1,100 | $183 |
| Arkansas | $2,565 | $1,283 | $214 |
| Arizona | $2,266 | $1,133 | $189 |
| California | $2,990 | $1,495 | $249 |
| Colorado | $3,112 | $1,556 | $259 |
| Connecticut | $2,460 | $1,230 | $205 |
| Washington, D.C. | $2,813 | $1,406 | $234 |
| Delaware | $2,373 | $1,187 | $198 |
| Florida | $2,926 | $1,463 | $244 |
| Georgia | $2,997 | $1,498 | $250 |
| Hawaii | $1,509 | $754 | $126 |
| Iowa | $2,090 | $1,045 | $174 |
| Idaho | $1,522 | $761 | $127 |
| Illinois | $2,302 | $1,151 | $192 |
| Indiana | $2,113 | $1,057 | $176 |
| Kansas | $2,638 | $1,319 | $220 |
| Kentucky | $2,893 | $1,446 | $241 |
| Louisiana | $3,704 | $1,852 | $309 |
| Massachusetts | $2,097 | $1,049 | $175 |
| Maryland | $2,218 | $1,109 | $185 |
| Maine | $1,497 | $749 | $125 |
| Michigan | $3,175 | $1,587 | $265 |
| Minnesota | $2,564 | $1,282 | $214 |
| Missouri | $2,792 | $1,396 | $233 |
| Mississippi | $2,340 | $1,170 | $195 |
| Montana | $2,565 | $1,282 | $214 |
| North Carolina | $2,108 | $1,054 | $176 |
| North Dakota | $2,096 | $1,048 | $175 |
| Nebraska | $2,512 | $1,256 | $209 |
| New Hampshire | $1,711 | $856 | $143 |
| New Jersey | $2,174 | $1,087 | $181 |
| New Mexico | $2,450 | $1,225 | $204 |
| Nevada | $2,356 | $1,178 | $196 |
| New York | $1,822 | $911 | $152 |
| Ohio | $1,653 | $827 | $138 |
| Oklahoma | $2,567 | $1,284 | $214 |
| Oregon | $2,233 | $1,116 | $186 |
| Pennsylvania | $2,580 | $1,290 | $215 |
| Rhode Island | $2,790 | $1,395 | $232 |
| South Carolina | $2,152 | $1,076 | $179 |
| South Dakota | $2,848 | $1,424 | $237 |
| Tennessee | $2,684 | $1,342 | $224 |
| Texas | $3,123 | $1,561 | $260 |
| Utah | $1,963 | $982 | $164 |
| Virginia | $1,689 | $844 | $141 |
| Vermont | $1,606 | $803 | $134 |
| Washington | $2,020 | $1,010 | $168 |
| Wisconsin | $1,864 | $932 | $155 |
| West Virginia | $2,156 | $1,078 | $180 |
| Wyoming | $2,591 | $1,296 | $216 |
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
Smaller, budget-friendly Hyundai models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up 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, senior agent with A Plus Insurance. “If you are younger and 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, sports cars, and SUVs generally rank as the most expensive types of vehicles for car insurance. Luxury vehicles and sports cars often attract higher insurance rates because they are more likely to be stolen and cost more to repair or replace. On the other hand, SUVs, especially larger ones, can lead to higher premiums due to their potential to cause more damage in an accident.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
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
To reduce the cost of your Hyundai insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower your premiums.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, installing an anti-theft system or purchasing a new car might lower your premiums since some insurance companies offer new car insurance discounts. Personal factors can also lead to significant savings, such as discounts for good drivers or good students if you have a teen added to 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 Honda auto insurance.
How does a car’s make affect car insurance rates?
Hyundai car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, 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.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance 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 July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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