Affordable Hyundai Auto Insurance Quotes (2023)
Drivers looking for affordable Hyundai auto insurance quotes should be aware that average Hyundai rates will vary based on model, vehicle year, and more. The majority of drivers will pay over $100/mo for full coverage, but getting Hyundai auto insurance quotes will help most drivers save.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest Hyundai to insure is the 2023 Tucson, which costs an average of $129, and the most expensive Hyundai to insure is the 2023 Sonata Hybrid, which costs an average of $155
- Depending on the state, Hyundai drivers must purchase a minimum amount of auto insurance
- The type of auto insurance coverage available to Hyundai drivers varies based on the auto insurance company
Like all drivers, Hyundai drivers have many things to consider when looking for affordable Hyundai auto insurance quotes. Since Hyundais are fairly cheap to insure, with the most expensive coverage averaging $155 for a Hyundai Sonata Hybrid, the coverage type may be more of a concern than cost.
Here’s more on the best auto insurance for Hyundais. To find cheap Hyundai auto insurance quotes now, use our free quote tool.
Understanding the Different Types of Hyundai Auto Insurance Coverage
Auto insurance exists to protect drivers and their vehicles and is required in most states. When purchasing auto insurance, most drivers choose between liability, comprehensive, collision, uninsured motorist, personal injury protection, and gap insurance. Most insurance companies offer each of these coverages in addition to various optional coverages.
- Liability Insurance: Liability insurance, which is required by almost all states, covers bodily injury and property damage expenses for other drivers and passengers involved in an accident you caused, up to a certain limit.
- Comprehensive Insurance: Comprehensive insurance covers damage to your vehicle resulting from non-collision events, including extreme weather, theft, vandalism, fire, and hitting an animal. Lenders and dealerships may require drivers to purchase this coverage for leased or financed vehicles. There is a key difference between comprehensive and collision coverage, which is detailed below.
- Collision Insurance: Covers property damage after a vehicle has collided with another vehicle or object. Similar to comprehensive insurance, lenders and dealerships may require drivers to purchase collision insurance for leased or financed vehicles.
- Uninsured Motorist: Some drivers have no insurance, or their coverage limit doesn’t cover the full cost of bodily injury or property damage. Uninsured/underinsured motorist insurance, which is required in select states, covers bodily injury and/or property damage expenses when the at-fault driver is uninsured or underinsured.
- Personal Injury Protection (PIP): Depending on the state, it is required to cover both the driver and their passengers’ medical expenses, lost wages, replacement services, and funeral expenses, regardless of who is at fault for an accident.
- Gap Insurance: Pays the difference between the totaled vehicle’s value and the remaining loan or lease balance. For example, if your Hyundai Elantra is worth $9,000, and the remaining loan balance is $12,500, if your vehicle is totaled, gap insurance covers the $3,500 difference.
Two considerations to keep in mind when choosing your insurance coverage are coverage limits and deductibles.
In states where liability insurance is mandated, drivers are expected to have a certain amount of coverage. Regardless of states, the coverage limits are displayed as three different numbers. If you see 25/50/20, this means your liability insurance will cover $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $20,000 property damage liability.
Comprehensive collision and sometimes personal injury protection carry a deductible. An auto insurance deductible is the amount of the cost of repairs the policyholder is asked to pay before insurance steps in. For example, if your chosen deductible is $750 and an accident caused $1,500 in property damage, your insurance company pays the remaining balance of the repair bill, which would be $750. However, the auto insurance company will pay out the value of the vehicle, minus the deductible, for totaled vehicles.
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Comparing Hyundai Auto Insurance Rates and Coverage Options
If you’ve purchased auto insurance before, then you know rates vary. The vehicle make, model, and year are important factors that impact rates, but insurance companies consider more than that. While the insurance company reviews certain information to determine rates, drivers have to review a few things as well, specifically rates and coverage options.
Popular Hyundai models are Hyundai Veloster, Hyundai Tucson, Hyundai Sonata Hybrid, Hyundai Sonata, Hyundai Santa Fe, Hyundai Elantra, Hyundai Azera, and Hyundai Accent.
In addition to what model of Hyundai you drive, insurance companies will also have varying rates based on the amount of coverage you choose. Below is a table comparing a full coverage policy to one that only has minimum coverage.
Auto Insurance Company | Average Monthly Auto Insurance Rates for Minimum Coverage | Average Monthly Auto Insurance Rates for Full Coverage |
---|---|---|
Progressive | $50.13 | $136.05 |
Geico | $32.32 | $86.79 |
Allstate | $66.78 | $176.48 |
State Farm | $39.39 | $102.85 |
Nationwide | $53.03 | $136.19 |
American Family | $50.92 | $136.58 |
Farmers | $63.68 | $167.16 |
Liberty Mutual | $77.24 | $199.56 |
Whether you choose a full coverage auto insurance policy or just the state-required minimum amount of coverage will depend on what you need. Here are a few questions to ask to help you find the best auto insurance for your Hyundai.
- Does the auto insurance company offer the state minimum required insurance?
- What optional coverages are available?
- Does the cost of the auto insurance policy fit into your budget?
- Are you getting the coverage you want for a good price?
- Does the auto insurance company offer common auto insurance discounts?
- Are there discounts unique to the auto insurance company?
Here are a few common discounts offered by auto insurance companies:
- Paperless: Policyholders can save by receiving auto insurance documents online instead of through the mail.
- Good student: Policyholders can save by having high school and college drivers with good grades on their policies.
- Multi-policy: Policyholders can save by purchasing more than one insurance policy, such as home and auto.
- Multi-car: Policyholders can save by purchasing insurance for two or more vehicles.
- Auto pay: Policyholders can save by having their premium payments deducted from their payment account automatically.
- Paid-in-full: Policyholders can save by paying their auto insurance premium in one payment.
Although finding low-cost auto insurance is a priority, choosing the insurance company with a slightly higher premium that offers the coverage you need allows you to save in the event of an accident. For example, if you decide not to purchase collision insurance to pay a lower premium and you’re involved in an accident, you’ll pay out of pocket for damages to your vehicle.
Quotes for Cheap Hyundai Auto Insurance
Cost is one of the first things drivers consider when shopping for auto insurance. Various factors impact rates, so it is up to drivers to decide which auto insurance company is offering the best rate as well as the best coverage. If you keep your budget and coverage needs in mind as you shop for auto insurance for your Hyundai, you should be able to make the best choice.
You can use our free quote comparison tool to start shopping for affordable Hyundai auto insurance quotes.
Frequently Asked Questions
Are there insurance companies that refuse to cover Hyundai vehicles?
This varies based on each individual company. You will want to ask before you make your choice.
How can I get affordable Hyundai auto insurance?
Compare quotes from different insurance companies and ask about discounts.
What types of coverage do I need for my Hyundai?
Common coverage options include liability, comprehensive, collision, uninsured motorist, personal injury protection, and gap insurance.
How do I compare rates and coverage options?
Consider your Hyundai’s make, model, and year, and review rates and coverage options from multiple insurance companies.
What should I consider when choosing auto insurance for my Hyundai?
Consider both your needs and budget, compare rates and coverage options, and read customer reviews.
Will my Hyundai’s age and condition affect my auto insurance rates?
Yes, Hyundai auto insurance rates will change slightly based on the age and condition of the vehicle. Newer models often cost more to insure.
What Hyundai is the cheapest to insure?
The cheapest Hyundai car to insure is the 2023 Tucson, which costs an average of $129/mo.
Compare over 200 auto insurance companies at once!
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.