Hyundai Motor Company was established in 1967 in South Korea. The company's first model, the Cortina, was released in cooperation with the Ford Motor Company in 1968. In 1986, Hyundai began to sell cars in the U.S. with the highly affordable Hyundai Excel. Today, Hyundai markets a variety of car and truck models across the globe. You'll need to protect your Hyundai vehicle with the right car insurance.
An independent insurance agent can help find the best Hyundai auto insurance from a reputable carrier. They know which local insurance companies offer the right Hyundai car coverage at a great rate. But first, use our Hyundai insurance guide to compare average costs by model and more.
Key Takeaways - Hyundai Car Insurance
Hyundai insurance costs an average of $1,675 per year, or approximately $140 per month, for full coverage.
Hyundai insurance is an auto insurance policy that can include many different types of coverage, such as liability, collision, comprehensive, roadside assistance, and medical payments.
Hyundai car insurance rates are slightly lower than the national average cost of $1,759 per year, or approximately $147 per month.
The Hyundai Sonata is the most expensive model to insure of those we compared, costing an average of $1,837 per year, or approximately $153 per month, for full coverage.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Hyundai model.
What Is Hyundai Insurance?
Hyundai insurance is a type of car insurance policy that includes several types of coverage for a Hyundai vehicle. Hyundai car insurance plans can include many different types of protection, such as liability, collision, theft, roadside assistance, medical payments, and more. The more Hyundai insurance coverage options you add to your policy, the greater your vehicle's overall protection will be.
Recommended coverage options for Hyundai drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses resulting from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
You're likely to be required to carry at least some of these types of coverage by law in your state. A local independent insurance agent can help you get set up with all the required Hyundai insurance.
How Much Does Hyundai Insurance Cost?
Hyundai insurance costs an average of $1,675 per year, or approximately $140 per month, for full coverage. When compared to the current national average cost of car insurance, which is $1,759 annually, or approximately $147 per month, Hyundai insurance rates are slightly less expensive. Insurance for Hyundais can be more affordable due to the brand's high safety scores, low theft rates, and lower custom parts and repair costs compared to most vehicles.
Hyundai Insurance Costs by Popular Models
The specific Hyundai model you own can greatly impact your car insurance premiums. Our Hyundai insurance comparison includes average coverage rates for a handful of popular models.
| Model | Average Annual Car Insurance Cost | Average Monthly Car Insurance Cost |
|---|---|---|
| Hyundai Tucson | $1,473 | $123 |
| Hyundai Santa Fe | $1,550 | $129 |
| Hyundai Accent | $1,600 | $133 |
| Hyundai Veloster | $1,667 | $139 |
| Hyundai Elantra | $1,735 | $145 |
| Hyundai Sonata | $1,837 | $153 |
Are Hyundais Expensive to Insure?
No, especially not when compared to many other brands of vehicles. We compared popular Hyundai models and found that, in general, car insurance for a Hyundai is slightly less expensive than the current national average cost of car insurance. You should be able to find affordable Hyundai insurance in your area with the help of a local independent insurance agent.
What Other Factors Affect Hyundai Insurance Costs?
Your Hyundai's model year also impacts the cost of your coverage, as does your annual mileage. Several factors that can influence the cost of car insurance are:
- Your age, gender, and marital status
- Your credit score (where allowed)
- Your location
- Your annual mileage
- Your driving history
- Your claims history
- The amount of coverage and deductible that you choose
An independent insurance agent can help you find the best Hyundai insurance rates in your area, and can help you make sure that you take advantage of all the discounts you're eligible for.
Add-On Protections Worth Considering for Your Hyundai
Whether your Hyundai is your everyday vehicle or just one you use on occasion, you want to make sure it's equipped with all the coverage it needs. Consider adding the following types of coverage to complete your Hyundai policy:
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase after an accident.
- Hyundai warranty insurance: This coverage can prolong your Hyundai extended warranty to help cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: Hyundai OEM parts coverage can pay the full cost to replace your vehicle's parts with genuine Hyundai parts during the repair process.
- Gap insurance: If you own a new or financed vehicle, Hyundai gap insurance coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can pay to replace your Hyundai with another vehicle of the same model if yours is stolen or totaled due to a covered cause within the first year of ownership.
Work with an independent insurance agent to compare all your Hyundai insurance coverage options and assemble a comprehensive auto policy.
Best Car Insurance Companies for Hyundai Owners
Many different car insurance companies offer coverage for Hyundai vehicles. We've included some of our top recommendations for the best Hyundai insurance companies for 2026. These carriers offer the most affordable full coverage car insurance this year.
| Car Insurance Company | Average Monthly Full Coverage Premium | Average Annual Full Coverage Premium |
|---|---|---|
| Travelers | $1,164 | $97 |
| Progressive | $1,503 | $125 |
| Nationwide | $1,526 | $127 |
An independent insurance agent can help you find cheap Hyundai insurance from a reputable local carrier, no matter which model you drive.
How to Lower Your Hyundai Insurance Premiums
Though Hyundai insurance is already less expensive than the national average, it never hurts to save even more money when you can. Follow these tips to potentially reduce your premiums even further:
- Work with an independent insurance agent: These agents can access several different carriers near you to help find the best and most affordable car insurance for your Hyundai.
- Take advantage of Hyundai insurance discounts: Many car insurance companies offer common savings options, such as multi-policy discounts, safety features discounts, anti-theft devices discounts, loyalty discounts, and bundling discounts, which can help you save considerably on your coverage.
- Enroll in telematics programs: Your car insurance company or Hyundai may offer telematics programs, such as those that track your driving habits or vehicle usage, to help potentially reduce your car insurance rates.
- Maintain a clean driving record: Keep your driving record free of accidents, tickets, and other traffic violations to possibly earn good driver discounts and even lower your car insurance premium rates.
- Choose a higher deductible: Selecting a high deductible can lead to lower car insurance premiums, but understand that you'll have to pay more out of your own pocket if you file a claim.
- Compare quotes from multiple carriers: Shopping and comparing Hyundai car insurance quotes from multiple carriers can help you find the most affordable Hyundai insurance coverage. A local independent insurance agent can do this step for you.
A local independent insurance agent can help you find all the Hyundai owner discounts and other auto insurance savings you qualify for.
An Independent Insurance Agent Can Help You Get the Best Hyundai Insurance Quotes
When it's time to find the most affordable, quality Hyundai insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Hyundai insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Hyundai Insurance
Is Hyundai Insurance better than standard auto insurance?
There's no real difference between standard auto insurance and Hyundai insurance coverage. Hyundai insurance is just a standard auto insurance policy with specific coverages added that can tailor the policy to your Hyundai vehicle.
What's the most expensive model of Hyundai to insure?
We found that the most expensive Hyundai model to insure is the Hyundai Sonata, with an average annual premium of $1,837, or approximately $153 per month.
What's the cheapest model of Hyundai to insure?
The Hyundai Tucson is the cheapest Hyundai model to insure of those we compared, with an average annual rate of $1,473, or approximately $123 per month.
Does Hyundai offer its own insurance company?
Yes, Hyundai has an insurance company known as Hyundai Insurance USA.
Do all Hyundai dealerships accept Hyundai insurance claims?
It's possible. You'll need to check with your local Hyundai dealership to determine if they accept Hyundai insurance claims.
Is gap insurance worth it for Hyundai buyers?
Yes, gap insurance can be worth it for Hyundai buyers, especially for brand new vehicles. This coverage is also especially helpful if you have a leased or financed vehicle.
Sources
https://www.thezebra.com/auto-insurance/vehicles/hyundai/
https://www.thezebra.com/auto-insurance/how-to-shop/average-auto-insurance/
https://www.moneygeek.com/insurance/auto/cheapest-full-coverage-car-insurance/