Car insurance for Hyundai

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In most states in the U.S., purchasing at least minimum amounts of certain car insurance coverage types is legally mandated. Besides your location, age (except in Hawaii) 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.

Leading auto manufacturer Hyundai Motor Company is known for affordable family cars that come loaded with features while still being easy on the budget. Given that Hyundai has a range of different models, auto insurance rates can vary widely across different providers. Nationally, the average cost of full coverage car insurance is $1,674. Depending upon the type of Hyundai vehicle you own as well as your personal rating factors, your insurance policy could cost more or less than the national average.

Car insurance for Hyundais: by model

Hyundai model 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. The Elantra 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 an Elantra costs, on average, $1,090 per year for full coverage with USAA, but the provider is exclusive to military members and their families. Erie’s average full coverage 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
Erie $430 $1,274
Amica $367 $1,297
Geico $403 $1,300
State Farm $540 $1,495

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, offers great gas mileage and features the comfort and perks expected from Hyundai. USAA again turns out to be the most affordable insurance for Hyundai Ioniq at an average of $1,237 per year for full coverage, while Amica follows closely with an average of $1,391. For 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
Amica $367 $1,391
Geico $373 $1,413
State Farm $467 $1,485
Erie $430 $1,526

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 to drivers 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 per year, respectively, but you only qualify if you are a retired or active member of the military or a qualifying family member. The full coverage rates offered by Erie Insurance are a few hundred dollars cheaper than the national average at $1,179, while Amica is also relatively affordable 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
Erie $358 $1,179
Amica $387 $1,196
Geico $365 $1,227
State Farm $496 $1,406

Cheapest car insurance companies for Hyundai Sonata

Family sedans are not known for catching the eye, but the Hyundai Sonata does. The Sonata is sleek, has enough room for five passengers, boasts modern amenities and has an affordable price tag. Insurance for a Hyundai Sonata will set you back by $1,143 per year on average for full coverage if you choose USAA. Geico costs an average of $1,353, Amica $1,392 and Erie $1,419. If you choose State Farm, expect to spend an average of $1,505 per 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
Amica $367 $1,392
Erie $376 $1,419
State Farm $505 $1,505

Cheapest car insurance companies for Hyundai Tucson

Muscular, roomy and cheaper than many other small SUVs, the Hyundai Tucson is practical and stylish. It is also relatively affordable to insure, with USAA and Geico offering full coverage at an average annual rate of $1,070 and $1,064, respectively. Amica’s average rate for full coverage car insurance for Hyundai Tucson is around $1,189, Erie Insurance offers 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
Geico $357 $1,064
USAA $345 $1,070
Amica $396 $1,189
Erie $375 $1,278
State Farm $467 $1,324

Other car insurance coverage for Hyundais

Your state’s minimum coverage is enough to let you drive legally, but when your vehicle is new, expensive, high-end or your only mode of transportation, buying additional coverage may be a good choice to protect your investment. These are some common car insurance coverage options you may want to consider for your Hyundai:

  • Collision and comprehensive coverage: These two coverage types are required if you have a loan or lease on your vehicle and add financial protection for damage to your car.
  • GAP insurance: This option is designed to pay for an outstanding loan amount on a stolen or totaled car.
  • OEM replacement parts: Original equipment manufacturer (OEM) coverage can help ensure that your vehicle is repaired with original parts.
  • Roadside assistance coverage: This endorsement can help you get towing, lockout or other types of assistance on the road if your vehicle breaks down.
  • New car replacement coverage: This option is designed to pay for a new car if your current vehicle is stolen or totaled within a certain time frame. Usually, only vehicles that are a few model years old will qualify.
  • Uninsured motorist and underinsured motorist protection: These two coverage types cover you for damage caused by drivers with no insurance or not enough insurance to pay for your damages.

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 coverage that meets 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
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor