Hyundais cost around $49 monthly for minimum coverage car insurance and $130 for full coverage. The automaker ranks 13th for full coverage affordability and 15th for minimum coverage among the vehicle manufacturers we studied.
Hyundai Car Insurance
Updated: June 18, 2025
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Key Takeaways
State Farm and GEICO offer the best and cheapest car insurance for Hyundai vehicles with rates starting at $37 monthly.
Hyundai auto insurance costs range from $411 to $1,615 annually for most drivers, depending on factors like age, model and coverage type chosen.
Hyundai ranks 13th out of 23 automakers for full coverage affordability and 15th for state minimum coverage in our study.
How Much Is Hyundai Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $49 | $582 | 15th |
Full Coverage | $130 | $1,559 | 13th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models.
Hyundai Car Insurance Cost by Model
Our research shows the Hyundai Ioniq is the priciest Hyundai model to insure, with average rates of $56 per month for state minimum coverage and $132 for full coverage. On the flip side, the Hyundai Kona is the most wallet-friendly, costing about $50 monthly for state minimum coverage and $121 for full coverage.
| Hyundai Elantra | $660 | $1,403 |
| Hyundai Ioniq | $657 | $1,666 |
| Hyundai Kona | $613 | $1,441 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012 to 2022.
Hyundai Car Insurance Cost by Model Year
It's commonly known that the pricier and newer your car, the higher your insurance bill, and the opposite holds true for older models. Below, assess the rates for your Hyundai, sorted by model and year.
Data filtered by:Results filtered by:
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Model Year:2009
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Hyundai Model:Hyundai Elantra
| Hyundai Elantra | 2009 | $670 | $1,265 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Hyundai Car Insurance Cost by Age
Hyundai insurance can range from $604 to $6,697 annually, with your age and chosen coverage level affecting the price. Teens often face the highest costs, but as you age, these expenses typically drop until you're 60. Past that milestone, expect a slight uptick in insurance rates. The table below illustrates how age influences Hyundai insurance costs.
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Age:16
| 16 | $3,128 | $6,697 |
*Rates are for a driver with good credit and no driving violations.
Is Hyundai Insurance Expensive?
Hyundai's competitive value and more affordable part costs often lead to lower insurance premiums compared to pricier automakers. Additionally, Hyundai drivers ranked in the middle for road incidents in a recent LendingTree study, meaning insurers may not raise rates based on driving data.
How Expensive Is Hyundai Insurance Compared to Similar Vehicles?
To put Hyundai's average insurance costs into perspective, we've compared the rates of a Hyundai Elantra to those of similar sedans in terms of MSRP. We found that on average, Hyundai costs are more expensive than other vehicles in its price range. In the table below, you can see how Hyundai stacks up to the competition.
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
Hyundai Elantra | $26,688 | $689 | $1,641 |
Honda Accord | $34,488 | $607 | $1,507 |
Nissan Altima | $32,360 | $658 | $1,681 |
Toyota Camry | $31,493 | $617 | $1,569 |
Cheapest Hyundai Car Insurance Companies
The cheapest overall car insurance company for Hyundai vehicles is GEICO, with average monthly rates of $38 for minimum coverage and $97 for full coverage. Following close behind are State Farm, Travelers, Nationwide, and Progressive, all offering competitive rates for Hyundai owners.
| GEICO | $38 | $97 |
| State Farm | $37 | $100 |
| Travelers | $47 | $124 |
| Nationwide | $51 | $127 |
| Progressive | $54 | $138 |
Cheapest Car Insurance by Model
While the above companies offer the most affordable rates, State Farm is the cheapest for the Hyundai Elantra. GEICO offers the lowest price for the Hyundai Santa Fe, and Progressive is the best bet for an economical plan for the Hyundai Tucson.
| Hyundai Elantra | State Farm | $38 | $93 |
| Hyundai Ioniq | GEICO | $39 | $103 |
| Hyundai Kona | GEICO | $35 | $92 |
Cheapest Hyundai Car Insurance by Model Year
Discover the most affordable minimum coverage for your Hyundai by year and model in the table below.
Data filtered by:Results filtered by:
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Model:Hyundai Elantra
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Model Year:2009
| State Farm | $411 | $946 |
| GEICO | $497 | $1,058 |
| Allstate | $660 | $1,277 |
| Nationwide | $626 | $1,354 |
| Travelers | $634 | $1,347 |
Cheapest Hyundai Car Insurance by Age
The lowest overall Hyundai Insurance rates by age range from $57 per month to $663 monthly, offered by State Farm. Below, you'll find the top five most affordable providers broken down by different ages for Hyundai vehicles.
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Age:40
| GEICO | $515 | $1,163 |
| State Farm | $499 | $1,195 |
| Travelers | $640 | $1,486 |
| Nationwide | $724 | $1,526 |
| Allstate | $706 | $1,693 |
Best Car Insurance for Hyundai Vehicles
From our research, we found that the best overall companies to insure your Hyundai with are GEICO, State Farm, Travelers, Nationwide, and Farmers. Each company has a great mix of low rates, extensive coverage options, and good customer service reputations.
| GEICO | 90 |
| State Farm | 89 |
| Travelers | 86 |
| Nationwide | 83 |
| Farmers | 81 |
GEICO: Best for Most Hyundai Drivers
pros
More available coverage for Hyundais
Lowest rates for most Hyundai drivers
Strong customer service
cons
Higher rates for older Hyundai models
COMPANY HIGHLIGHTS
For most Hyundai drivers, GEICO stands out as the best car insurance option. With the lowest rates for two out of the three models in our study, along with numerous savings opportunities, it's also the cheapest for Hyundai owners. GEICO is also a strong contender for customer service, with strong financial stability and good customer review scores. Additionally, the provider covers Hyundai models that other major insurers will not because of theft risks.
State Farm: Best for Young Hyundai Owners
pros
Most affordable rates for Hyundai Elantras
Superb customer review scores
Various discounts, especially for young drivers
cons
Does not cover all models due to theft risk
COMPANY HIGHLIGHTS
For younger Hyundai drivers, State Farm is by far the best option for auto insurance, offering the lowest rates and many discount opportunities like its Drive Safe and Save program. It's also a strong option for customer service, although customers may find that it won't cover certain Hyundai models due to the high theft risk.
Nationwide: Best Car Insurance Coverage Options for Hyundai Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Highest-rated usage-based discount program in the country
cons
Higher than average costs for Hyundai drivers
COMPANY HIGHLIGHTS
While not the most affordable for Hyundai coverage policies, Nationwide offers coverage options for a pay-per-mile car insurance program called SmartMiles and a vehicle value upgrade add-on that replaces your car with a new vehicle of comparable value if your car is totaled. The company also has the best customer satisfaction rating for their usage-based car insurance discount program SmartRide according to J.D. Power. SmartRide is also tied for the largest possible discount in the nation of up to 40%.
How to Find the Best Cheap Car Insurance Company for Your Hyundai
Discover how to find affordable Hyundai insurance with our straightforward tips. Save on your policy without the hassle.
- 1
Assess your needs
First, find the insurance coverage suitable for you, your comfort level with deductibles, and any optional coverages that could save costs in an accident. Use tools like our car insurance coverage needs calculator to receive advice.
- 2
Research average costs and discounts
Investigate the average insurance costs for Hyundai to understand potential savings as you start comparing quotes from different providers. Check for available discounts to identify those that match your vehicle and driving profile.
- 3
Compare multiple providers
Compile quotes from various insurers, looking at coverage, deductibles and limits. Research each company’s reputation, discount offerings and coverage details to determine if they align with your needs.
Hyundai Auto Insurance Cost: Bottom Line
Hyundai's insurance costs sit mid-tier in the U.S., with full coverage and state minimum options ranking 13th and 15th, respectively. Affordable policies are out there. We suggest you compare quotes from various providers to snag the best deal.
Hyundai Car Insurance: FAQ
Below are MoneyGeek expert answers to frequently asked questions about Hyundai car insurance.
Which insurance company is the cheapest for Hyundai?
The three most affordable insurance providers for Hyundai vehicles are State Farm, GEICO and Travelers.
How much is Hyundai car insurance?
The average monthly cost for full coverage Hyundai car insurance is $130, with annual rates averaging $1,559. For state minimum coverage, expect to pay around $49 monthly or $582 annually. Insurance rates can vary widely based on the Hyundai model you drive, your driving history and the coverage you choose.
Is car insurance on a Hyundai more expensive?
No, insuring a Hyundai is not typically more expensive than other vehicles. Hyundais often have lower MSRPs and are not considered luxury vehicles, which can contribute to more affordable insurance premiums. Their parts are widely available, making repairs less costly.
Which Hyundai model is the cheapest to insure?
Overall, the Hyundai Kona 2021 is the cheapest Hyundai model to insure, mostly because of its lower value and repair costs.
How We Determined Hyundai Auto Insurance Costs
We calculated Hyundai insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
- 40-years-old
- Good credit
- No driving violations
- 12,000 miles driven annually
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance for Hyundais
To calculate the best car insurance for Hyundai vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:
- Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Assessed by comparing rates from Quadrant Information Services
- Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Determined by AM Best ratings on financial health
Data Sources
- AM Best: Financial strength ratings for insurers
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
Analysis
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to other's property
- Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
- Deductibles: Out-of-pocket costs before insurance payment starts
The term 100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- LendingTree. "Hyundai, Ram, Subaru Have Worst Drivers, While Mercury, Pon." Accessed June 17, 2025.