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Hyundai drivers pay around $332 per month for full coverage car insurance, according to Jerry’s analysis.

South Korean automaker Hyundai has grown from humble beginnings to one of the world’s largest and most innovative automakers. Known for blending modern design with cutting-edge technology and reliable quality, Hyundai has redefined what drivers expect from affordable vehicles. 

Hyundai’s name is derived from the word for “modernity” in its native Korean, and the logo represents a handshake — as well as the company’s commitment to its customers. Once a construction company dating back to 1947, Hyundai is now synonymous with value and quality. The brand expanded its lineup to include everything from efficient compact cars to rugged SUVs and pioneering electric models, with more recent innovations like its IONIQ electric vehicles and the Genesis luxury subdivision.

The car you choose within Hyundai’s range will directly affect your car insurance rates, with larger, electric and luxury vehicles pushing rates higher than the no-frills economical models. Here are Hyundai car insurance costs by coverage level and model, plus some tips to help you shop.

How much does Hyundai car insurance cost?

Full coverage Hyundai auto insurance costs $332 per month on average, based on the latest Jerry data analysis of real customer quotes. State minimum coverage for Hyundai vehicles costs an average of $166 per month.

Hyundai has earned a reputation for offering affordable, reliable vehicles packed with modern safety and tech features. Models like the Elantra and Sonata often come with advanced safety systems such as forward collision warning and lane-keeping assist, which can help reduce insurance premiums by lowering the risk of accidents. However, newer or higher-end models like the Ioniq 5 or Genesis  may cost more to insure due to their higher repair costs and complex technology.

Here’s a closer look at average car insurance rates on popular Hyundai vehicles by model, based on recent quotes for real Jerry customers.

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.

Factors that affect Hyundai car insurance costs

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 safety features such as lane departure warning and automatic emergency braking. Some insurers provide discounts for a car with these features.
• Vehicle cost. The more your Hyundais costs to repair or replace, the more expensive it is to insure. A $42,600 Hyundai Ioniq 5 electric SUV may be more expensive to insure than a $37,200 Santa Fe.
• Safety ratings. The Hyundai IONIQ 6, IONIQ 5, Elantra, Sonata, Kona, Tucson and Santa Fe have all received 2025 Top Safety Pick+ awards from the Insurance Institute for Highway Safety (IIHS). From an insurer’s perspective, safer makes and models may cause fewer accidents, which means fewer claims and, as a result, lower premiums for drivers of those types of cars. 
• Theft rates. Hyundai Elantras and Sonatas are the most frequently stolen vehicles in the U.S., according to the most recent data from the National Insurance Crime Bureau (NICB). Driving a type of car that is subject to a high rate of crime can result in higher insurance premiums, though Hyundai has introduced new anti-theft software and devices to make them harder to steal.

Average price of Hyundai car insurance, by state

Average auto insurance premiums for Hyundai cars can differ from one state to another, even when you’re talking about insuring the same vehicle. There are a few reasons for this. The first is that each state has its own minimum car insurance limits, so you may be required to purchase more protection in one state. Risks may be higher in one state than another, as well, due to population size, driver density, accident and theft frequency, or a higher chance of natural disasters.

Here’s a look at the average Hyundai car insurance costs by state.

Best companies for Hyundai car insurance

Each year, the Jerry editorial team reviews a number of industry rating factors to evaluate the best car insurance companies. These factors include insurer financial strength ratings, subsidiary complaints and industry claims satisfaction ratings.

Here’s a look at our top auto insurance companies for 2025 and their ratings.

Cheapest Hyundai car insurance companies

Anchor General often offers the cheapest Hyundai car insurance, with an average rate of $213 according to an analysis of Jerry data for full coverage rates. 

Here are the cheapest car insurance companies for Hyundai drivers looking to buy full coverage.

Full coverage auto insurance isn’t usually the cheapest option, but it does provide more financial protection for drivers than required liability coverage. Unless you can afford to repair or replace your own vehicle if it’s damaged or stolen, consider buying full coverage.

The absolute cheapest insurance for Hyundai drivers will be your state’s minimum required coverage. This usually includes bodily injury and personal property liability coverage, which pay for damages you do to another driver or property owner in an at-fault accident. Depending on how much of each type of coverage your state requires, these limits may not be enough to cover all of the injuries or damages caused in a crash, potentially leaving you on the hook for the difference.

Here are the cheapest car insurance companies for Hyundai drivers looking to just buy state minimum insurance. 

Financial experts recommend buying more than the minimum liability insurance to protect your finances after an accident.

Hyundai Elantra insurance costs

The Hyundai Elantra is a classic choice for drivers looking for an entry-level sedan and has an average insurance premium of $339 per month for full coverage. 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  capable of higher speeds, so some insurers consider them to be riskier on the road.

Here are the average Elantra insurance rates that drivers have been quoted for full coverage.

Hyundai Sonata insurance costs

Another long-standing name, the Hyundai Sonata is a midsize sedan that costs around $367 per month to insure with full coverage, with an MSRP that starts at $26,900. 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.

Here are the average Sonata insurance rates that drivers have been quoted for full coverage.

Hyundai Tucson insurance costs

The Hyundai Tucson costs about $277 per month to insure, and 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 may pay a lower average premium for full coverage on a Tucson than an Elantra or IONIQ 5.

Here are the average Tuscon insurance rates that drivers have been quoted for full coverage.

Auto insurance shopping tips for Hyundai drivers

Buying state minimum auto insurance will meet your basic coverage requirements to legally drive and can protect you against liability. However, this won’t cover your own vehicle if you’re in an at-fault accident or your car is stolen. And in many cases, it also won’t pay medical expenses for you or your passengers if you’re injured. 

When shopping around for Hyundai auto insurance, consider a full coverage policy that includes comprehensive and collision insurances, medical payments (MedPay) or personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage. This is the best option to safeguard you against any number of losses, including injuries and property damage.

Depending on your lifestyle and risk tolerance, also consider other types of insurance like roadside assistance or rental car coverage. You may also want gap insurance to cover the difference between your remaining auto loan or lease balance and what your totaled car is worth.

No matter how you build your policy, be sure to compare quotes with the same coverage limits and deductibles — and you could afford to pay the deductible in a pinch. Also check that any discounts you qualify for are added to the quote for a solid apples-to-apples comparison. Lastly, give insurers the most accurate information possible to get the most accurate quotes.

MEET OUR EXPERTS

Stephanie Colestock

Stephanie Colestock is a seasoned writer and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.