Over the past year, Jerry has helped 79,655 Hyundai drivers find better coverage and real savings. By analyzing real Hyundai policies, we know what owners are actually buying and what you can expect to pay for each level of protection.
Competitive annual prices for Hyundai drivers are currently around:
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$1,149 for basic coverage.
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$2,984 for standard coverage.
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$3,502 for premium coverage.
These are just a benchmark, though. Your exact rate depends on factors like your location, driving history and the Hyundai you drive.
On average, Hyundai drivers pay between $2,598 and $5,505 annually for full coverage, with an average premium around $4,509. That’s higher than the national average of $4,080, despite Hyundai’s strong safety ratings, affordable parts and reliability across its lineup.
Already insured? Jerry pulls live quotes from top insurers so you can compare coverage in minutes. If we find you a better deal, you can switch right away, no waiting for renewal. Jerry even handles the cancellation and helps secure any refund you’re owed.
Fast track your Hyundai insurance with Jerry.
How much does Hyundai insurance cost?
Hyundai insurance costs can vary, but Jerry makes it simple to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Even in the same city, two Hyundai drivers can see rates differ by hundreds per year. Jerry compares quotes from leading insurers to help you find the best fit for your coverage and budget.
What’s the best insurance for a Hyundai?
Owning a Hyundai means combining everyday reliability with smart technology. Protecting that value takes coverage that’s just as practical and forward-thinking, which usually means buying more than just the legal minimum.
If your Hyundai is financed or leased, your lender will require full coverage. You might also need gap insurance, which helps cover your remaining balance if your car is totaled.
Jerry recommends Hyundai drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s still a smart choice — even for vehicles designed with advanced safety and technology.
No matter your budget, lender or insurer, there are plenty of coverage options to help protect your Hyundai. Here are some of the most common, what they include and why Hyundai drivers choose them.
Higher liability limits
Hyundais are among the safest vehicles on the road, but at-fault accidents can still get expensive. Roughly half (48%) of Jerry Hyundai drivers choose higher-than-minimum limits.
Full coverage
Comprehensive and collision coverage protect your Hyundai from theft, hail and at-fault damage. About 43% of Jerry Hyundai drivers carry full coverage for peace of mind.
OEM parts coverage
Keeps your Hyundai performing as designed after a claim by using genuine parts and trained technicians. Usually available for cars between three and ten years old.
New car replacement
Replaces your Hyundai with a new one if it’s totaled early on. This can be especially valuable for newer hybrids and EVs, which often have higher repair costs.
Roadside assistance
Covers towing, jump-starts and lockouts. Hyundai includes five years of roadside assistance on new models, though many drivers extend it after coverage ends.
Rental reimbursement
Pays for a rental car while your Hyundai is being repaired after a covered incident. Most insurers offer 30 to 45 days of coverage depending on your plan and state.
Gap insurance
Covers what’s left on your loan or lease if your Hyundai is totaled. About 39% of drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rate from increasing after your first at-fault accident. Without it, Hyundai drivers see premiums rise by nearly 18% following a crash.
See coverage options for your Hyundai.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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4 smart ways Hyundai drivers can shop and lower insurance costs
Finding the right insurance means striking a balance between cost and coverage. For Hyundai drivers, that balance can vary since safety tech, repair costs and model value all influence how insurers price your policy.
Jerry’s experts help Hyundai owners keep premiums low without cutting corners on coverage. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 35% to 61% among Hyundai drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Avoid coverage lapses | 13% among Hyundai drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Tip 1: Compare quotes before you renew
Not every insurer prices Hyundai coverage fairly. Some overestimate repair costs, while others don’t fully factor in Hyundai’s safety record. That can lead to big differences for identical coverage.
Here’s where Hyundai drivers who saved most often switched last year after comparing rates with Jerry:
| Insurer | Hyundai drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 34% | 28% |
| Root | 13% | 4% |
| Assurance America | 11% | 22% |
| Bristol West | 9% | 28% |
| National General | 4% | 29% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: Hyundai drivers can save nearly a third by comparing quotes. Jerry shows live prices in real time so you can find your best deal before you buy.
Tip 2: Combine discounts for better rates
Hyundai drivers often qualify for multiple discounts, from safe driver and multi-policy savings to anti-theft or hybrid vehicle savings. But these aren’t always applied automatically.
Jerry finds and stacks them all for you, so you get every dollar of savings you’re eligible for.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Match your coverage to your Hyundai
From compact sedans to electric SUVs, every Hyundai has different coverage needs and most owners choose beyond the state minimum. This usually means full coverage and higher limits on new or high-value models, then adjusting as their car ages.
Minimum
$80 – $184/mo
Offers the legal minimum limits, which vary by state.
Full
$169 – $361/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$214 – $455/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$232 – $507/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Hyundai drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend 100/300/100 for balanced, dependable protection.
Tip 4: Buy the right coverage for your budget
Even a short break between policies can raise insurance rates by an average of 13%. Whether you’re switching insurers or adjusting your budget, it’s important to keep continuous coverage in place.
Based on Jerry drivers aged 35–44 with clean records who requested standard coverage quotes over the past 60 months. Savings vary by state, coverage, and driver profile.
Jerry Proof: Real Hyundai drivers, real savings
Want to see how much Hyundai owners actually save with Jerry? Here are real drivers, their vehicles and the deals they found after comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Hyundai insurance costs can vary, but paying more than you should doesn’t have to be part of the deal. Whether you drive a Sonata, Tucson or Ioniq, Jerry helps you find coverage that matches Hyundai’s reputation for reliability, innovation and value.
We compare top insurers, apply every discount and manage renewals so your protection stays strong and affordable.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, 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, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, 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 SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
