Skip to Main Content

Car insurance for Hyundai

Sleep till the night
Sergey Alimov/Getty Images
Sleep till the night
Sergey Alimov/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

ON THIS PAGE Jump to Open page navigation

Bankrate examined some of the most popular Hyundai models to give you a sense of what drivers pay, on average, for car insurance. Hyundai is one of the more affordable car manufacturers, offering a range of vehicle types, like sedans and SUVs. Even though they are all Hyundais, the rate for each model is different and can vary considerably by insurance company. The cheapest Hyundai to insure among those we looked at is the Tucson, according to 2021 full coverage rate data pulled from Quadrant Information Services. Your rate could be higher or lower, depending on your personal and household characteristics and the insurance company you choose to insure your Hyundai.

Almost all states in the U.S. require drivers to carry some level of car insurance, regardless of the make and model of your car. Though your age (in most states), driving record and other personal characteristics make up a large portion of your premium, the make and model of your car will also play a significant factor in what you pay. Some vehicles are cheaper to insure than others, and prices also vary from one insurance provider to another.

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. The Elantra has a range of starting prices, from the base model at $20,200 to the turbocharged Elantra, starting at $32,150. For full coverage, USAA offers the cheapest average annual premium of $1,090, with Erie and Amica coming in slightly higher, at $1,274 and $1,297, respectively. For those seeking minimum coverage, USAA wins again with the lowest average annual premium, followed closely by Amica and Geico. But keep in mind that USAA is only available to active-duty military, veterans and their qualifying family members.

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 electric, hybrid and plug-in hybrid versions, offers great gas mileage and features the comfort and perks expected from Hyundai. The Ioniq hybrid starts at $23,600, while the plug-in hybrid starts at $26,800 and the electric at $33,245. USAA is again the cheapest car insurance company among those we studied for full and minimum coverage on the Hyundai Ioniq, costing $1,287 and $361 annually on average, respectively. Amica and Geico have the second and third cheapest rates for both minimum and full coverage, and might be good options for those who don’t qualify for USAA’s coverage.

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. The Santa Fe comes in the basic model, a hybrid option or plug-in hybrid, for the best of both worlds. While the basic model will only set you back as little as $27,700, the hybrid starts at $34,300 and the plug-in hybrid starts at $40,000. USAA offers the cheapest average annual premiums for minimum and full coverage on the Santa Fe, costing about $346 and $1,092, respectively. Erie and Geico have the next cheapest average rates for minimum coverage, while Erie and Amica have the next cheapest full coverage annual average rates.

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. The base model Sonata starts at $24,500 while the hybrid is a bit more expensive, beginning at $27,350. Once again, USAA offers the cheapest average annual car insurance premiums for minimum and full coverage, $350 and $1,143, respectively. Amica and Erie are second and third cheapest for minimum coverage. For full coverage, Geico and Amica take the second and third positions for cheapest average annual premium 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. The basic Tucson will only set you back $25,800, while the hybrid starts at $35,400 and the hybrid, at $29,750. Though SUVs can be more expensive than other types of vehicles, the Hyundai Tucson is the cheapest of the Hyundai models featured here. USAA has the cheapest average annual premium for minimum coverage at $345, followed by Geico at $357 and Erie at $375. Geico has the cheapest average annual premium for full coverage at $1,064, while USAA is a few dollars more expensive at $1,070. Amica rounds out the top three at $1,189 per year.

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