The Hyundai Tucson is a compact crossover SUV that first debuted in the U.S. in 2004 and is still popular today. The 2026 Tucson features a quiet cabin, smooth ride, and sharp handling. No matter which type of Tucson you drive, it needs to be protected with the right car insurance.
When it's time to find the best Hyundai Tucson insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Hyundai Tucson at a great rate. But first, here's a deep dive into how much it costs to insure a Hyundai Tucson by model year and top-rated insurance company in 2026.
Key Takeaways - Hyundai Tucson Car Insurance
Hyundai Tucson insurance costs an average of $1,756 per year, or approximately $146 per month, for full coverage in 2026.
Your age, location, credit, and driving history can all impact the cost of Hyundai Tucson insurance.
Progressive, American Family, and USAA are the cheapest carriers for model-year 2025 Hyundai Tucson insurance this year.
Hyundai Tucson insurance costs vary considerably by state, with good drivers in Michigan paying an average of $3,778 annually for full coverage, while those in Hawaii pay only $903.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Hyundai Tucson model.
What Is Hyundai Tucson Insurance?
Hyundai Tucson insurance is a special type of car insurance policy that includes customized coverage options for your specific vehicle. As a compact crossover SUV, the Tucson may require additional coverage beyond that of standard sedans. The Tucson's average car insurance rates also trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Hyundai Tucson drivers:
- 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.
- 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.
- 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.
- 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.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Hyundai Tucson:
- 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.
Most states require several types of car insurance by law. A local independent insurance agent can help you satisfy your state's minimum car insurance requirements for your Tucson.
How Much Does Hyundai Tucson Insurance Cost?
The average cost of car insurance for a Hyundai Tucson is $1,756 per year, or approximately $146 per month, for full coverage. However, several factors can influence the cost of Hyundai insurance, including:
- The specific type of Tucson you drive
- Your credit score (where allowed)
- Your claims history
- Your driving history
- Your location
- The types and amount of coverage you need
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Hyundai Tucson full coverage insurance or a basic Hyundai Tucson liability insurance policy.
Is the Hyundai Tucson Expensive to Insure?
No, the Hyundai Tucson isn't expensive to insure on average. The average monthly cost of Hyundai Tucson auto insurance is $146, while the average for other SUVs is $184.
| Vehicle | Average Monthly Cost of Car Insurance |
| Hyundai Tucson | $146 |
| All SUVs | $184 |
Hyundai Tucson Insurance Costs by Model Year
Next, we'll break down several model years of the Hyundai Tucson and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Hyundai Tucson* | $1,695 |
| 2025 Hyundai Tucson | $1,910 |
| 2024 Hyundai Tucson | $800 |
| 2023 Hyundai Tucson | $559 |
| 2022 Hyundai Tucson | $578 |
| 2021 Hyundai Tucson | $658 |
| 2020 Hyundai Tucson | $528 |
| 2019 Hyundai Tucson | $608 |
| 2018 Hyundai Tucson | $653 |
| 2017 Hyundai Tucson | $495 |
| 2016 Hyundai Tucson | $668 |
| 2015 Hyundai Tucson | $700 |
| 2014 Hyundai Tucson | $627 |
| 2013 Hyundai Tucson | $475 |
| 2012 Hyundai Tucson | $658 |
| 2011 Hyundai Tucson | $388 |
| 2010 Hyundai Tucson | $515 |
*Note: The 2026 Hyundai Tucson's average rate is a projection based on the observation of inflation trends and current market data.
Cheapest Hyundai Tucson Car Insurance Companies for 2026
You can find affordable Hyundai Tucson insurance from many different insurers across the nation. These top-rated car insurance companies provide the cheapest model-year 2025 Hyundai Tucson insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,523 |
| American Family | $1,623 |
| USAA | $1,625 |
| Erie | $1,927 |
| Nationwide | $1,990 |
| Allstate | $3,324 |
Hyundai Tucson Car Insurance Rates by State and Driver Profile
Your location, credit, and accident history can all impact the cost of car insurance. Here are some average auto insurance rates for the Hyundai Tucson by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,029 | $2,966 | $3,691 |
| Alaska | $1,702 | $2,290 | $2,215 |
| Arizona | $1,852 | $2,745 | $3,968 |
| Arkansas | $2,100 | $3,225 | $3,606 |
| California | $2,337 | $4,020 | $2,252 |
| Colorado | $2,120 | $3,045 | $3,820 |
| Connecticut | $2,717 | $4,256 | $5,382 |
| Delaware | $2,292 | $2,995 | $3,861 |
| Florida | $2,713 | $3,711 | $4,832 |
| Georgia | $2,234 | $3,329 | $3,317 |
| Hawaii | $903 | $1,158 | $830 |
| Idaho | $1,554 | $1,995 | $2,431 |
| Illinois | $1,586 | $2,446 | $2,704 |
| Indiana | $1,602 | $2,539 | $2,828 |
| Iowa | $1,291 | $1,770 | $2,125 |
| Kansas | $1,771 | $2,532 | $2,938 |
| Kentucky | $2,462 | $3,709 | $4,353 |
| Louisiana | $3,174 | $4,812 | $5,295 |
| Maine | $1,175 | $1,667 | $2,458 |
| Maryland | $1,918 | $2,825 | $3,142 |
| Massachusetts | $1,565 | $2,702 | $1,561 |
| Michigan | $3,778 | $5,773 | $9,128 |
| Minnesota | $1,575 | $2,097 | $2,905 |
| Mississippi | $1,845 | $2,666 | $2,745 |
| Missouri | $1,819 | $2,513 | $3,302 |
| Montana | $1,829 | $2,566 | $2,895 |
| Nebraska | $1,561 | $2,284 | $2,480 |
| Nevada | $2,550 | $3,740 | $3,924 |
| New Hampshire | $1,710 | $2,730 | $3,535 |
| New Jersey | $1,911 | $3,020 | $3,980 |
| New Mexico | $1,944 | $2,905 | $3,030 |
| New York | $1,807 | $2,270 | $3,853 |
| North Carolina | $1,139 | $1,940 | $1,364 |
| North Dakota | $1,601 | $2,319 | $2,754 |
| Ohio | $1,422 | $2,127 | $2,195 |
| Oklahoma | $2,187 | $3,116 | $3,565 |
| Oregon | $2,034 | $2,726 | $3,252 |
| Pennsylvania | $1,659 | $2,509 | $2,868 |
| Rhode Island | $2,776 | $4,135 | $4,620 |
| South Carolina | $1,930 | $2,620 | $3,680 |
| South Dakota | $1,702 | $2,513 | $2,880 |
| Tennessee | $2,070 | $2,971 | $4,001 |
| Texas | $2,056 | $2,900 | $3,698 |
| Utah | $1,760 | $2,445 | $3,324 |
| Vermont | $1,335 | $2,079 | $2,192 |
| Virginia | $1,294 | $1,959 | $1,911 |
| Washington | $1,643 | $2,221 | $2,657 |
| West Virginia | $1,676 | $2,375 | $2,995 |
| Wisconsin | $1,681 | $2,643 | $2,957 |
| Wyoming | $1,550 | $2,162 | $2,340 |
Average Hyundai Tucson Insurance Rates by Driver Age and Profile
A driver's age also greatly influences the cost of car insurance. At age 25, car insurance rates fall dramatically until about age 65, then gradually climb again. Here are some average auto insurance rates for the Hyundai Tucson by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,015 | $8,814 | $10,315 |
| 20 | $4,613 | $6,732 | $7,963 |
| 25 | $2,724 | $3,928 | $4,628 |
| 30 | $2,092 | $3,083 | $3,590 |
| 35 | $1,991 | $2,905 | $3,404 |
| 40 | $1,925 | $2,747 | $3,219 |
| 45 | $1,808 | $2,738 | $3,156 |
| 55 | $1,722 | $2,498 | $2,873 |
| 65 | $1,737 | $2,603 | $3,018 |
| 75 | $2,252 | $3,278 | $3,788 |
Best Hyundai Tucson Insurance Discounts: How to Lower Your Hyundai Tucson Insurance Premiums
Want to save more money on Hyundai Tucson auto insurance? Any of the following tips can help you potentially reduce your Tucson insurance premiums even further:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- 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.
- 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 Hyundai Tucson 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.
- Compare quotes from multiple carriers: Comparing Hyundai Tucson 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 Tucson insurance from a trusted carrier near you.
Your independent insurance agent knows which carriers offer the best rates on Tucson insurance. They can help you find the biggest discounts and recommend additional strategies to further reduce your premiums.
An Independent Insurance Agent Can Help You Get the Best Hyundai Tucson Insurance Quotes
When it's time to find the most affordable Hyundai Tucson 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 Tucson insurance coverage and cost.
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 Tucson Insurance
How much does Hyundai Tucson insurance cost per year?
The average annual cost of full coverage for a Hyundai Tucson is $1,756 per year, or approximately $146 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 Tucson insurance premiums?
Having poor credit, traffic accidents or violations on your record, or filing past claims can all increase the cost of Tucson insurance.
Is the Hyundai Tucson expensive to insure?
No, the Hyundai Tucson isn't expensive to insure on average. The cost of a six-month full coverage policy is only $878.
What are the best and cheapest carriers for Hyundai Tucson insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2025 Hyundai Tucson insurance this year.
Is insurance cheaper for the Tucson than for other SUVs?
Yes, the Hyundai Tucson's average insurance rates are cheaper than those for other SUVs. While the Hyundai Tucson's average full coverage rates are just $146 per month, other SUVs average $184 per month.
How can I get cheaper Hyundai Tucson insurance?
Finding cheaper Hyundai Tucson 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.thezebra.com/auto-insurance/vehicles/hyundai/tucson/
https://www.insuranceopedia.com/auto-insurance/hyundai-tucson-car-insurance