The Hyundai Accent is a subcompact sedan known for its fuel efficiency. The vehicle first debuted in the U.S. in 1994 but was discontinued after the 2022 model. No matter which type of Accent you drive, it needs to be protected with the right car insurance.
When you're looking for the best Hyundai Accent insurance, an independent insurance agent can help you. These agents know which local insurance companies offer Hyundai insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Hyundai Accent by model year and top-rated insurance company in 2026.
Key Takeaways - Hyundai Accent Car Insurance
Hyundai Accent insurance costs an average of $1,830 per year, or approximately $153 per month, for full coverage in 2026.
Teens and young drivers pay the most, on average, for Hyundai Accent insurance, while adults pay the least until they reach age 65, and rates begin to climb again.
USAA, Progressive, and American Family are the cheapest carriers for model-year 2022 Hyundai Accent insurance this year.
Your age, location, credit, and driving history can all impact the cost of Hyundai Accent insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Hyundai Accent model.
What Is Hyundai Accent Insurance?
Hyundai Accent insurance is just a special type of car insurance policy that includes custom coverage designed to protect your vehicle. As a subcompact sedan, the Accent likely doesn't require any additional coverage beyond that of other cars. The Accent's average car insurance rates also tend to be affordable when compared to other similar vehicles.
Recommended coverage options for Hyundai Accent drivers:
- 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.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- 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.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, 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.
- 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.
Add-on coverage options worth considering for a Hyundai Accent:
- Gap insurance: If you have a new or financed Hyundai vehicle, this 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.
- Hyundai warranty insurance: This can extend Hyundai's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Hyundai parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
A local independent insurance agent can help you compare Hyundai Accent car insurance rates in your area. They'll help you find the cheapest insurance for a Hyundai Accent.
How Much Does Hyundai Accent Insurance Cost?
The average cost of car insurance for a Hyundai Accent is $1,830 per year, or approximately $153 per month, for full coverage. However, several factors can influence the cost of Hyundai insurance, including:
- The specific type of Accent you drive
- The types and amount of coverage you need
- Your claims history
- Your driving history
- Your credit score (where allowed)
- Your location
An independent insurance agent can help you find affordable coverage, whether you're looking for Hyundai Accent full coverage insurance or a basic Hyundai Accent liability insurance policy.
Is the Hyundai Accent Expensive to Insure?
No, the Hyundai Accent isn't expensive to insure on average. The average monthly cost of Hyundai Accent auto insurance is $153, while the average for other sedans is $203.
| Vehicle | Average Monthly Cost of Car Insurance |
| Hyundai Accent | $153 |
| All Sedans | $203 |
Hyundai Accent Insurance Costs by Model Year
Next, we'll break down several model years of the Hyundai Accent and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2022 Hyundai Accent | $1,999 |
| 2021 Hyundai Accent | $773 |
| 2020 Hyundai Accent | $766 |
| 2019 Hyundai Accent | $892 |
| 2018 Hyundai Accent | $492 |
| 2017 Hyundai Accent | $477 |
| 2016 Hyundai Accent | $492 |
| 2015 Hyundai Accent | $587 |
| 2014 Hyundai Accent | $689 |
| 2013 Hyundai Accent | $548 |
| 2012 Hyundai Accent | $481 |
| 2011 Hyundai Accent | $511 |
| 2010 Hyundai Accent | $528 |
Cheapest Hyundai Accent Car Insurance Companies for 2026
You can find affordable Hyundai Accent auto insurance from many auto insurance carriers. These top-rated car insurance companies provide the cheapest model-year 2022 Hyundai Accent insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,503 |
| Progressive | $1,572 |
| American Family | $1,576 |
| Erie | $1,923 |
| Nationwide | $2,613 |
| Allstate | $3,474 |
Hyundai Accent Car Insurance Rates by State and Driver Profile
Where you live, your driving history, and your credit can all impact the cost of your Hyundai Accent insurance. Here are some average car insurance rates for all Hyundai vehicles by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,512 | $3,648 | $4,644 |
| Alaska | $2,078 | $2,880 | $2,799 |
| Arizona | $2,349 | $3,396 | $5,003 |
| Arkansas | $2,575 | $4,046 | $4,455 |
| California | $2,867 | $5,070 | $2,867 |
| Colorado | $2,676 | $3,745 | $4,751 |
| Connecticut | $3,418 | $5,302 | $6,730 |
| Delaware | $2,830 | $3,772 | $4,844 |
| Florida | $3,370 | $4,662 | $6,075 |
| Georgia | $2,747 | $4,108 | $4,142 |
| Hawaii | $1,097 | $1,490 | $1,097 |
| Idaho | $1,906 | $2,527 | $3,072 |
| Illinois | $1,996 | $3,016 | $3,439 |
| Indiana | $2,050 | $3,134 | $3,517 |
| Iowa | $1,624 | $2,227 | $2,619 |
| Kansas | $2,160 | $3,143 | $3,676 |
| Kentucky | $3,123 | $4,584 | $5,414 |
| Louisiana | $4,009 | $6,060 | $6,571 |
| Maine | $1,516 | $2,096 | $3,094 |
| Maryland | $2,453 | $3,570 | $3,966 |
| Massachusetts | $1,967 | $3,432 | $1,967 |
| Michigan | $4,748 | $7,235 | $11,411 |
| Minnesota | $1,954 | $2,606 | $3,669 |
| Mississippi | $2,359 | $3,365 | $3,387 |
| Missouri | $2,223 | $3,178 | $4,175 |
| Montana | $2,260 | $3,154 | $3,671 |
| Nebraska | $1,910 | $2,825 | $3,070 |
| Nevada | $3,151 | $4,674 | $4,938 |
| New Hampshire | $2,192 | $3,466 | $4,382 |
| New Jersey | $2,415 | $3,789 | $4,958 |
| New Mexico | $2,466 | $3,669 | $3,808 |
| New York | $2,284 | $2,877 | $4,802 |
| North Carolina | $1,416 | $2,433 | $1,735 |
| North Dakota | $1,938 | $2,945 | $3,483 |
| Ohio | $1,728 | $2,665 | $2,733 |
| Oklahoma | $2,759 | $3,951 | $4,449 |
| Oregon | $2,511 | $3,369 | $4,024 |
| Pennsylvania | $2,115 | $3,106 | $3,633 |
| Rhode Island | $3,531 | $5,180 | $5,833 |
| South Carolina | $2,398 | $3,324 | $4,587 |
| South Dakota | $2,151 | $3,100 | $3,577 |
| Tennessee | $2,530 | $3,725 | $4,961 |
| Texas | $2,548 | $3,681 | $4,579 |
| Utah | $2,168 | $3,038 | $4,180 |
| Vermont | $1,669 | $2,570 | $2,716 |
| Virginia | $1,572 | $2,414 | $2,366 |
| Washington | $2,081 | $2,824 | $3,372 |
| West Virginia | $2,094 | $2,998 | $3,757 |
| Wisconsin | $2,087 | $3,258 | $3,717 |
| Wyoming | $1,949 | $2,728 | $2,905 |
Average Hyundai Accent Insurance Rates by Driver Age and Profile
A driver's age is another major factor in calculating their car insurance premiums. Hyundai Accent insurance for young drivers and Hyundai Accent insurance for seniors tends to be more expensive than coverage for middle-aged adults. That's because at age 25, car insurance rates tend to drop dramatically until about age 65, then gradually climb again.
Further, accidents or other traffic violations can increase your premium rates, as can poor credit. Here are some average auto insurance rates for all Hyundai vehicles by driver age and profile in 2026.
| Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,484 | $10,989 | $12,855 |
| 20 | $5,767 | $8,468 | $9,906 |
| 25 | $3,378 | $4,961 | $5,804 |
| 30 | $2,632 | $3,865 | $4,521 |
| 35 | $2,465 | $3,620 | $4,234 |
| 40 | $2,371 | $3,481 | $4,073 |
| 45 | $2,307 | $3,387 | $3,963 |
| 55 | $2,116 | $3,107 | $3,634 |
| 65 | $2,207 | $3,240 | $3,791 |
| 75 | $2,785 | $4,090 | $4,785 |
Best Hyundai Accent Insurance Discounts: How to Lower Your Hyundai Accent Insurance Premiums
Fortunately, there are several ways you can possibly bring your Hyundai Accent insurance rates down even further, such as by doing any of the following steps:
- Ask about Hyundai Accent insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Hyundai may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Hyundai Accent insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Hyundai Accent insurance from a trusted carrier near you.
A local independent insurance agent can help you find the cheapest coverage for your Hyundai Accent. They can also recommend additional ways you can potentially reduce your car insurance costs even more.
An Independent Insurance Agent Can Help You Get the Best Hyundai Accent Insurance Quotes
When it's time to find the most affordable Hyundai Accent insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Hyundai Accent insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates 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 Accent Insurance
How much does Hyundai Accent insurance cost per year?
The average annual cost of full coverage for a Hyundai Accent is $1,830 per year, or approximately $153 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Hyundai Accent insurance premiums?
Having filed past claims, accidents on your record, or living in an area with high theft rates can all increase the cost of Hyundai Accent auto insurance.
Is the Hyundai Accent expensive to insure?
No, the Hyundai Accent is actually cheaper to insure than many other sedans. While the Hyundai Accent's average full coverage rates are just $153 per month, other sedans average $203 per month.
What are the best and cheapest carriers for Hyundai Accent insurance in 2026?
We found that USAA, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2022 Hyundai Accent insurance this year.
Do Hyundai Accents get stolen often?
No. As of last year, theft rates across all Hyundai vehicles actually started trending downward. No Hyundai vehicles made the list of 2025's Most Stolen Vehicles.
Is full coverage worth it on an older Hyundai Accent?
Yes, having full coverage can still be worth it, even for an older Hyundai Accent. If your car is stolen or damaged by a large animal, having full coverage can help you get the reimbursement you need to repair or replace your vehicle.
How can I get cheaper Hyundai Accent insurance?
Finding cheaper Hyundai Accent insurance is easy when you work with an independent insurance agent who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/hyundai-accent-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/hyundai/accent/
https://caredge.com/hyundai/insurance
https://www.schomphyundai.com/new-data-reveals-thieves-love-affair-with-hyundai-is-in-the-rear-view/