State Farm offers some of the most competitive rates for Hyundais. With above-average customer satisfaction ratings from J.D. Power for multiple years in a row, it’s a strong choice.1
Allstate offers a number of opportunities for drivers to earn its student discount, making it a good option for families with young drivers. It also offers robust roadside assistance services.
Hyundai is known for making safe and reliable vehicles, mostly sedans and SUVs, at an affordable cost. Hyundai vehicles also tend to be relatively affordable to insure, but how much you pay for auto insurance depends on the Hyundai model you own. For example, a used Tucson costs less to insure than a brand-new Ioniq. Car insurance rates by model vary with any manufacturer, not just Hyundai.
The best way to find the cheapest car insurance is to compare car insurance quotes from multiple companies. We’re here to walk you through the best car insurance companies with the most affordable rates for your Hyundai.
|Provider||What it’s best for||Discounts||Average annual cost to insure a Hyundai Tucson||Average annual cost to insure a Hyundai Elantra||Average annual cost to insure a Hyundai Ioniq||Our comprehensive review|
|State Farm||Overall||Accident free, bundling, defensive driver, clean record, vehicle safety ratings, passive restraint, anti-theft, multiple vehicle, student, telematics||$1,151||$1,290||$1,440||State Farm review|
|Allstate||Families with young drivers||Anti-lock brakes, anti-theft, multiline, automatic payment, bundling, new car, paperless, early signing, pay in full, responsible payer, safe driver, student, telematics||$2,021||$1,565||$1,950||Allstate review|
|USAA||Military||Anti-theft, safety features, bundling,
clean record, driver education, defensive driver, low mileage, park at military installation, new car, loyal member, student, telematics
|Liberty Mutual||Additional coverage||Bundling, claims free, clean record, homeowner, military, early shopper, preferred payment, online purchase, paperless, multiple vehicle, student, telematics||Unknown||Unknown||Unknown||Liberty Mutual review|
|Acceptance||High-risk drivers||Clean record, student, claims free, defensive driver, paperless billing, multipolicy, multivehicle,
low mileage, telematics
Best Overall: State Farm
Best for Families With Young Drivers: Allstate
Best for Military: USAA
Best for Additional Coverage: Liberty Mutual
Best for High-Risk Drivers: Acceptance Insurance
State Farm earns its place as the most popular insurer in the U.S. due to its low rates, financial solidity, and customer satisfaction. It’s a great choice for any Hyundai model.
The average cost of full coverage for a Hyundai vehicle with State Farm is about $1,350 each year, or a little over $110 monthly, which makes it one of the cheapest options available. You can also save money on premiums by taking advantage of the discounts available with State Farm:
Like many auto manufacturers, Hyundai offers several models of electric vehicles. The following models are fully electric:
Hyundai also makes the following plug-in hybrids:
One of the benefits of a State Farm policy is that it can cover an at-home charging station as part of your comprehensive and collision coverages. Sometimes other providers require you to purchase homeowners insurance before you can insure the station.
If you hold a homeowner’s policy with State Farm, installing an at-home charging station will not affect your policy. Additionally, State Farm’s emergency roadside coverage includes towing to the nearest charging location if your vehicle ever runs out of battery, and some service providers might even have a portable electric car charger to get you moving again.3
With strong fuel efficiency and safety ratings, Hyundai vehicles are often a good choice for rideshare drivers.
If you work for Uber, Lyft, or another rideshare service, it’s wise to purchase rideshare coverage. Rideshare companies must offer some insurance coverage, but often it’s not enough. State Farm’s rideshare coverage extends the protections of your personal policy to the times when you’re driving for rideshare services. Unlike some competitors, State Farm’s coverage extends through all three rideshare periods, not just the first period while you’re waiting to match with a customer.
|Coverage||Bodily injury and property damage liability||Collision, comprehensive, emergency roadside assistance, rental reimbursement||Medical payments|
|App is on (Period 1)||State Farm||State Farm||State Farm|
|Matched with customer (Period 2)||Rideshare company||State Farm||State Farm|
|Transporting customer (Period 3)||Rideshare company||State Farm||State Farm|
If your household has a young driver behind the wheel of your Hyundai, Allstate is a good choice. Its discounts can reduce your premiums, while its roadside service coverage offers peace of mind that your loved ones are protected on the road.
Hyundai vehicles are a practical choice for families with young drivers. In fact, in its roundup of the safest vehicles for teenage drivers, the Insurance Institute for Highway Safety named several Hyundai models:
After safety, the next concern for many families is cost. If you’re looking for ways to save on car insurance for a young driver, Allstate is unique in offering several paths toward earning its student discount. Notably, it does not require the driver to be a full-time student to receive the 20 percent savings.
To apply, young drivers must be less than 25 years old and unmarried, and fulfill one of the following criteria:
For families with younger and less experienced drivers, roadside assistance can offer invaluable peace of mind. Allstate offers three roadside assistance plans, as well as a pay-per-use option.
|Coverage level||Pay-Per-Use||Roadside Advantage||Roadside Elite||Roadside Assistance Add-on Coverage|
|Coverage type||One-time||Membership||Membership||Policy add-on|
|Monthly payments for the first year||n/a||$8||$14||About $25|
|Total payments for the first year||n/a||$89||$164||n/a|
|Renewal pricing for the second year||n/a||$105||$179||n/a|
|Towing||$119 for a five-mile tow, $5 for each additional mile||Up to 10 miles, five times a year||Up to 100 miles, five times a year||Included|
If you’re planning a trip to Mexico in your Hyundai, it’s important to adhere to Mexico’s insurance requirements. Allstate partners with insurance providers in Mexico to provide the needed additional coverage.
When you purchase Mexico tourist insurance, you can get the following coverages, provided you hold similar coverages on your separate domestic policy:
You can purchase these coverages whether you drive your own Hyundai, or rent another car in the U.S. and drive it into Mexico.
USAA offers financial services, including auto insurance, to military members and their families. It’s known for competitive rates and holds an A++ financial strength rating from AM Best, meaning you can count on the company to pay for claims.
The exact cost of insuring a Hyundai with USAA depends on the model, year, location, and other factors — but in general, USAA offers low rates. This provider offers the lowest rates to insure a Hyundai Elantra, at around $1,050 annually. That’s $240 less than the next cheapest provider’s rate.
In addition, USAA offers the following discounts:
|Bundle auto and property||10%|
|Garage at military base||15%|
|Low mileage or put your car in storage||Not specified|
|Good student||Not specified|
|Legacy customer (parents have a USAA policy)||10%|
|Insure multiple vehicles||Not specified|
A recent survey found that for over a decade, Hyundai customers have been the most loyal among automakers.6 In the event of a total loss, if you want to stick with your Hyundai and give it an upgrade (or buy a vehicle of another make), USAA has you covered. When you purchase car replacement assistance coverage, USAA will give you an extra 20 percent of the actual cash value of the car. To purchase this coverage, you must also carry collision and comprehensive, and cannot lease your vehicle.
If your Hyundai breaks down, USAA offers the following emergency roadside services:
Services are free if you purchase roadside assistance coverage. However, even if you don’t hold coverage, USAA offers services at negotiated rates, which it claims are usually lower than what you pay by contacting the service provider directly. In addition to the United States, USAA offers roadside services in Mexico (within 75 miles of the border), Canada, and in the base country where the policy is issued for deployed members.
Liberty Mutual partners with Hyundai to offer discounted insurance rates for Hyundai owners. The special offering includes several additional coverages, which makes it a good choice for customers who want a policy beyond the minimum requirements.
Liberty Mutual and Hyundai offer a special insurance package called Hyundai Power Protect. Liberty Mutual claims that Hyundai owners can save around $650 when they switch to this plan from other providers.7 The plan offers full coverage, along with the following benefits:
While Liberty Mutual isn’t known for offering the absolute cheapest rates, it offers an array of discounts that can lower your bill. You can earn discounts for the following:
Hyundais are known for their affordability. If you bought your Hyundai with your budget in mind, consider opting into Liberty Mutual’s deductible fund. That way, if you need to file a claim, you’ll have less to pay before your coverage kicks in. Here’s how it works:
If you have an SR-22, poor credit, or another designation that makes finding insurance difficult, consider Acceptance for your Hyundai.
If you fall into any of the following categories, you may buying auto insurance for your Hyundai difficult:
Providers can turn you away if they feel you represent too high of a risk to insure. Acceptance specializes in nonstandard insurance, meaning it takes on drivers with high-risk designations. Additionally, as with many insurers, if you need an SR-22, Acceptance will file it for you. It offers all of the standard coverages:
A Hyundai Veloster can reach 60 mph in fewer than five seconds, with a top speed of 155 mph. While its performance is impressive, it doesn’t always bode well for speeding tickets.8 If you’re concerned about the cost of tickets on your budget (whether for speeding or another violation), consider purchasing Acceptance’s roadside coverage.
Most insurance providers offer roadside assistance and rental reimbursement coverages, but typically, you’ll have to buy them separately. Acceptance is unique in that it offers a combined roadside and rental offering — plus an uncommon ticket reimbursement perk.
|Towing up to 25 miles in-network ($75 reimbursement out-of-network)||Included||Included|
|Tire change (spare required)||Included||Included|
|Fluid delivery (gas, coolant, or oil; cost of materials not included)||Included||Included|
|Claims per year||Five||Five|
|Rental reimbursement||Not included||10 days at $25 per day|
|Traffic ticket reimbursement||Not included||$100 each, twice per year|
|Legal fees associated with ticket||Not included||$200, once a year|
|Required defensive driver course reimbursement||Not included||$250, once a year|
Acceptance’s roadside assistance is available in the U.S., Canada, and Puerto Rico.
With roomy interiors and raised suspensions for a smooth ride, the Hyundai Kona and Tucson make great cars for dog owners. In addition to auto coverage, Acceptance sells pet insurance. It includes the following plans:
In addition to pet insurance, Acceptance also offers the following policies and subscriptions:
We use a three-part methodology to determine the best auto insurance providers for Hyundais.
The average insurance cost for a 2022 Hyundai Tucson is between $1,450 and $1,700 annually, or about $120 to $140 per month. A Tucson is one of the cheaper Hyundai models to insure.
Hyundai Elantras tend to have higher repair costs than other cars, which can increase auto insurance premiums. Additionally, in 2021, Hyundai redesigned the Elantra, upgrading its styling, technology, and safety features, which further increased some repair costs.
A Hyundai Palisade costs about $2,000 each year to insure, or just under $170 monthly. A Palisade is one of the pricier Hyundai models to insure. Make sure you compare quotes from multiple providers to find the cost of car insurance, whether you want the minimum or full coverage car insurance.
Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D Power. (2022, Jun 13).
How many EVs does Hyundai have? CMA Hyundai of Winchester. (2021, Jun 18).
It can be easier being green with electric car insurance. State Farm. (2023).
Safe vehicles for teens. Insurance Institute for Highway Safety (IIHS). (2022, May 26).
THE ROADSIDE (MIS)PERCEPTION PROBLEM: WHY ONLY 1 IN 3 DRIVERS USES THEIR COVERAGE TO RESOLVE AN EVENT. Agero. (2021, Aug 26).
Consumer – Brand Expectation Gap Widest In 25 Years With Notable Shifts in Rational/Emotional Behavior Ratio. Brand Keys. (2022, Jan 24).
OFFERS. Hyundai. (2022).
The Top 10 Fastest Hyundai Cars Made For The U.S.. CarHP. (2022, Nov 17).