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.
Hyundai car insurance average costs
Full coverage Hyundai auto insurance costs $320 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 $190 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.
|
Car Make and Model
|
Avg Monthly Quote
|
|---|---|
| Hyundai Excel | $74 |
| Hyundai Scoupe | $122 |
| Hyundai Entourage | $215 |
| Hyundai Veracruz | $270 |
| Hyundai Santa FE XL | $272 |
If you have a loan or lease on your vehicle, the lender will require
More: Average car insurance costs
If you aren’t required to purchase full coverage auto insurance and would rather buy your state’s minimum coverage limits instead, here are the Hyundai rates that Jerry customers have received recently, by model. Keep in mind that, as with full coverage, the more expensive your vehicle is to repair or replace, the more you can usually expect to pay for insurance.
|
Car Make and Model
|
Avg Monthly Quote
|
|---|---|
| Hyundai Excel | $59 |
| Hyundai Scoupe | $71 |
| Hyundai Entourage | $154 |
| Hyundai Santa FE XL | $156 |
| Hyundai Veracruz | $185 |
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.
|
State
|
Avg Monthly Quote
|
|---|---|
| VT | $119 |
| WY | $132 |
| NH | $132 |
| IA | $145 |
| ID | $155 |
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.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
Cheapest Hyundai car insurance companies
Aspire often offers the cheapest Hyundai car insurance, 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.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $187 |
| Mercury | $215 |
| Anchor General | $234 |
| Safeco | $235 |
| ROOT | $242 |
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.
More: The cheapest car insurance
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.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Mercury | $96 |
| Aspire Advantage | $162 |
| Safeco | $200 |
| ROOT | $208 |
| Progressive | $210 |
Financial experts recommend buying more than the minimum liability insurance to protect your finances after an accident.
More: How much car insurance do I need?
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 around $200 per month for minimum 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 minimum liability and full coverage.
|
Car Make Model Trim
|
Avg Monthly Quote
|
Liability Limits
|
|---|---|---|
| Hyundai Elantra Touring | $174 | State Minimum |
| Hyundai Elantra Coupe | $176 | State Minimum |
| Hyundai Elantra Touring GLS | $198 | State Minimum |
| Hyundai Elantra L | $207 | State Minimum |
| Hyundai Elantra Luxury | $212 | State Minimum |
|
Car Make Model Trim
|
Avg Monthly Quote
|
Has Full Coverage
|
|---|---|---|
| Hyundai Elantra Touring | $256 | Yes |
| Hyundai Elantra GT N Line | $289 | Yes |
| Hyundai Elantra Coupe | $291 | Yes |
| Hyundai Elantra L | $303 | Yes |
| Hyundai Elantra Touring GLS | $310 | Yes |
Hyundai Sonata insurance costs
Another long-standing name, the Hyundai Sonata is a midsize sedan that costs around $220 per month to insure with minimum 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 minimum liability and full coverage.
|
Car Make Model Trim
|
Avg Monthly Quote
|
Liability Limits
|
|---|---|---|
| Hyundai Sonata Deluxe | $72 | State Minimum |
| Hyundai Sonata GL | $185 | State Minimum |
| Hyundai Sonata GLS | $227 | State Minimum |
| Hyundai Sonata ECO | $237 | State Minimum |
| Hyundai Sonata Limited | $254 | State Minimum |
|
Car Make Model Trim
|
Avg Monthly Quote
|
Has Full Coverage
|
|---|---|---|
| Hyundai Sonata GL | $270 | Yes |
| Hyundai Sonata GLS | $335 | Yes |
| Hyundai Sonata Limited Turbo | $365 | Yes |
| Hyundai Sonata Limited | $371 | Yes |
| Hyundai Sonata ECO | $371 | Yes |
Hyundai Tucson insurance costs
The Hyundai Tucson costs about $200 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 minimum liability and full coverage.
|
Car Make Model Trim
|
Avg Monthly Quote
|
Liability Limits
|
|---|---|---|
| Hyundai Tucson Luxury | $86 | State Minimum |
| Hyundai Tucson GLS | $195 | State Minimum |
| Hyundai Tucson GL | $195 | State Minimum |
| Hyundai Tucson XRT | $208 | State Minimum |
| Hyundai Tucson Ultimate | $214 | State Minimum |
|
Car Make Model Trim
|
Avg Monthly Quote
|
Has Full Coverage
|
|---|---|---|
| Hyundai Tucson Luxury | $152 | Yes |
| Hyundai Tucson XRT | $272 | Yes |
| Hyundai Tucson GLS | $280 | Yes |
| Hyundai Tucson Ultimate | $282 | Yes |
| Hyundai Tucson GL | $286 | Yes |
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.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
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.
FAQ
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Which Hyundai models are cheapest to insure?
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Are EV or hybrid Hyundai parts harder to replace?
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What Hyundai trims or packages affect insurance costs the most?
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How does owning a Hyundai hybrid or EV affect insurance costs?
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Does Hyundai have its own car insurance program?
Stephanie Colestock is a seasoned writer 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.
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.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
