Car insurance for Hyundai

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In most states in the U.S. it is legally mandatory for all vehicles on the road to have sufficient insurance coverage. Besides your location, age and driving history, the make and model of your car can have a significant impact on your insurance cost. Some vehicles are cheaper to insure than others, and prices also vary from one insurance provider to another. Typically, newer models of cars and those larger in size are more expensive to insure compared to budget cars. Makes and models that have had a high history of claims in the recent past also cost more to insure.

Leading auto manufacturer Hyundai is known for affordable family cars that come loaded with features while still being easy on the pocket. But given that Hyundai has a range of different models, they can range in insurance prices across different providers. Nationally, the average cost of full coverage car insurance is $1,674. Depending upon the type of Hyundai vehicle you own, your expense could either be lower or higher than the national average.

Car insurance for Hyundais: by model

Hyundai Car Insurance Average annual full coverage premium
Hyundai Elantra $1,661
Hyundai Ioniq $1,782
Hyundai Santa Fe $1,520
Hyundai Sonata $1,744
Hyundai Tucson $1,455

Cheapest car insurance companies for Hyundai Elantra

The compact sedan Elantra packs style, comfort and convenience into a practical, budget-friendly model. It comes in standard, hybrid and turbocharged versions, and has been hailed by consumers and critics alike for its standout interior design, safety features and ease of driving. Car insurance for Hyundai Elantra is the cheapest through USAA at only $1,090 a year for full coverage, but the provider is exclusive to military members and their families. Erie Insurance’s average rate for the Elantra is around $1,274, while Amica and Geico average at $1,297 and $1,300 respectively. The country’s largest insurer, State Farm, is the most expensive on our list for this model at $1,495.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $347 $1,090
Geico $403 $1,300
State Farm $540 $1,495
Erie $430 $1,274
Amica $367 $1,297

Cheapest car insurance companies for Hyundai Ioniq

Sturdy, fuel-efficient and sustainable, the Ioniq is built for those who value economy over flashy exteriors. This small, compact hatchback comes in hybrid and plug-in hybrid versions, offering stunning mileage, as well as the comfort and features expected from Hyundai. USAA again turns out to be the most affordable insurance for Hyundai Ioniq at an average of $1,237 a year for full coverage, while Amica follows closely at an average of $1,391. For only basic, no-frills coverage, Geico has mid-range pricing at $1,413. State Farm and Erie Insurance are on the higher side for full coverage at $1,485 and $1,526 respectively.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $361 $1,237
Geico $373 $1,413
State Farm $467 $1,485
Erie $430 $1,526
Amica $367 $1,391

Cheapest car insurance companies for Hyundai Santa Fe

A mid-size SUV with quality interiors, ample cargo space and good fuel-economy, the Santa Fe is targeted at those who want to combine style and comfort with functionality. USAA has the cheapest rates for both minimum and full coverage car insurance for the Hyundai Santa Fe at $346 and $1,092 respectively, but you qualify only if you are a retired or active member of the military. The rates offered by Erie Insurance are a few hundred dollars cheaper than the national average at $1,179, while Amica also has affordable full coverage for the Santa Fe at $1,196. Popular insurer Geico figures in the middle with slightly steeper but still economical rates at $1,227, whereas State Farm is on the higher end of the spectrum at $1,406.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $346 $1,092
Geico $365 $1,227
State Farm $496 $1,406
Erie $358 $1,179
Amica $387 $1,196

Cheapest car insurance companies for Hyundai Sonata

Family sedans are not known for catching the eye but the Hyundai Sonata does. It is sleek, has enough room for five, boasts of modern amenities and has an affordable price tag too. Insurance for Hyundai Sonata will set you back by $1,143 a year for full coverage if you choose USAA. Geico costs an average of $1,353, Amica $1,392 and Erie Insurance $1,419. If you choose State Farm, expect to spend an average of $1,505 a year for full coverage.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $350 $1,143
Geico $390 $1,353
State Farm $505 $1,505
Erie $376 $1,419
Amica $367 $1,392

Cheapest car insurance companies for Hyundai Tucson

Muscular, roomy and cheaper than many other small SUVs, Hyundai’s Tucson is both practical and stylish. It is also affordable to insure, with USAA and Geico offering full coverage at an average of $1,070 and $1,064 respectively. Amica’s average rate for insurance for Hyundai Tucson is around $1,189, Erie Insurance offers full coverage at $1,278, while State Farm does the same for $1,324.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $345 $1,070
Geico $357 $1,064
State Farm $467 $1,324
Erie $375 $1,278
Amica $396 $1,189

Other car insurance coverage for Hyundais

The minimum coverage is enough to let you drive legally, but when your vehicle is new, expensive, high-end or your only mode of conveyance, it is a wise choice to get additional coverage. Some recommended endorsements for Hyundai vehicles include:

  • Collision and comprehensive coverages: To protect against weather damage, theft, vandalism, and crashes and accidents.
  • GAP insurance: To pay for an outstanding loan amount on a stolen or totaled car.
  • OEM replacement parts: To have all repairs made to the vehicle only with original manufacturer parts.
  • Breakdown coverage: To get towing assistance on the road if the vehicle breaks down.
  • New car replacement coverage: To pay for a new car if the current vehicle is stolen or totaled within a year.
  • Uninsured/underinsured motorist protection: To cover against drivers with little to no insurance if they are involved in an accident with you.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Hyundai of the following models, commute five days a week and drive 12,000 miles annually:

  • Hyundai Elantra
  • Hyundai Ioniq
  • Hyundai Santa Fe
  • Hyundai Sonata
  • Hyundai Tucson

These are sample rates and should only be used for comparative purposes.

Written by
Cynthia Widmayer
Insurance Contributor
Cynthia Widmayer has over two years of experience as an insurance and personal finance writer. She covers home, car and life insurance products for Bankrate, the Simple Dollar, and Coverage.com, among others.