Hyundai Palisade insurance costs average $107 monthly for minimum coverage and $209 for full coverage. Depending on your specific trim and model year, costs can range from $69 monthly for a 2023 Hyundai Palisade to $284 for a 2022 Hyundai Palisade monthly.
Hyundai Palisade Insurance Cost
Updated: October 2, 2025
Key Takeaways
Hyundai Palisade insurance costs range from $69 to $284 monthly depending on your specific trim level and model year.
The Palisade ranks 563rd out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000 to 2025.
Travelers offers the most affordable full coverage for the Hyundai Palisade at $162 monthly, while minimum coverage starts at just $77 per month.
How Much Is Hyundai Palisade Insurance?
| Hyundai Palisade | $107 | $209 |
Hyundai Palisade Insurance Cost by Model Year
Your Hyundai Palisade's model year and available trims affect your insurance rates, with newer vehicles generally costing more due to higher fair value. Monthly premiums for different Palisade model years range from $81 to $258, creating budget differences depending on which year you choose.
| 2025 | $110 | $215 |
| 2024 | $106 | $206 |
| 2023 | $81 | $158 |
| 2022 | $133 | $258 |
| 2021 | $116 | $225 |
| 2020 | $100 | $195 |
Hyundai Palisade Insurance Cost by Trim
Your Hyundai Palisade's trim level impacts insurance costs. Premium trims with advanced features and higher market values cost more to insure than basic models. Monthly rates range from $81 for base trims to $250 for top Calligraphy editions based on our research.
| Xrt Sport Utility 4d | $81 | $158 |
| Se | $89 | $173 |
| Se Sport Utility 4d | $89 | $174 |
| Sel | $95 | $185 |
| Xrt | $101 | $197 |
| Sel Sport Utility 4d | $106 | $206 |
| Sel Premium | $108 | $210 |
| Limited | $115 | $223 |
| Limited Sport Utility 4d | $117 | $228 |
| Calligraphy | $121 | $235 |
| Calligraphy Sport Utility 4d | $123 | $240 |
| Calligraphy Night Edition | $128 | $250 |
Compare Personalized Hyundai Palisade Insurance Costs
We broke down Hyundai Palisade insurance costs by model year and trim for personalized rates.
Data filtered by:Results filtered by:
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Model Year:2020
Select
Trim:Se Sport Utility 4d
| Se Sport Utility 4d | $87 | $169 |
Hyundai Palisade Insurance Cost by Company
Hyundai Palisade insurance costs vary by provider from $123 to $267 monthly. Minimum coverage ranges from $77 to $174, while full coverage costs $162 to $381. Rates vary due to different risk assessment models.
| AAA | $124 | $258 |
| AIG | $154 | $381 |
| Allstate | $133 | $256 |
| Amica | $136 | $278 |
| Chubb | $142 | $283 |
| Farmers | $160 | $282 |
| GEICO | $77 | $169 |
| Kemper | $132 | $272 |
| Nationwide | $104 | $181 |
| Progressive | $107 | $201 |
| State Farm | $102 | $212 |
| The Hartford | $123 | $209 |
| Travelers | $88 | $162 |
| UAIC | $174 | $219 |
Hyundai Palisade Insurance Cost by State
Car insurance for a Hyundai Palisade varies widely by location, ranging from $41 monthly in Wyoming to $444 monthly in Louisiana.
| Alabama | $89 | $171 |
| Alaska | $76 | $161 |
| Arizona | $127 | $238 |
| Arkansas | $91 | $204 |
| California | $102 | $205 |
| Colorado | $109 | $261 |
| Connecticut | $141 | $244 |
| Delaware | $142 | $238 |
| Florida | $129 | $299 |
| Georgia | $149 | $248 |
| Hawaii | $56 | $125 |
| Idaho | $57 | $117 |
| Illinois | $98 | $184 |
| Indiana | $71 | $139 |
| Iowa | $66 | $160 |
| Kansas | $79 | $185 |
| Kentucky | $132 | $225 |
| Louisiana | $208 | $444 |
| Maine | $57 | $118 |
| Maryland | $158 | $268 |
| Massachusetts | $108 | $229 |
| Michigan | $179 | $344 |
| Minnesota | $90 | $188 |
| Mississippi | $97 | $194 |
| Missouri | $138 | $276 |
| Montana | $89 | $211 |
| Nebraska | $81 | $185 |
| Nevada | $186 | $336 |
| New Hampshire | $75 | $133 |
| New Jersey | $171 | $283 |
| New Mexico | $90 | $202 |
| New York | $129 | $232 |
| North Carolina | $91 | $178 |
| North Dakota | $70 | $153 |
| Ohio | $79 | $153 |
| Oklahoma | $102 | $227 |
| Oregon | $123 | $215 |
| Pennsylvania | $95 | $224 |
| Rhode Island | $130 | $233 |
| South Carolina | $105 | $197 |
| South Dakota | $62 | $190 |
| Tennessee | $83 | $169 |
| Texas | $131 | $268 |
| Utah | $116 | $199 |
| Vermont | $50 | $120 |
| Virginia | $99 | $161 |
| Washington | $93 | $174 |
| West Virginia | $95 | $195 |
| Wisconsin | $72 | $158 |
| Wyoming | $41 | $131 |
Hyundai Palisade Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, heavily influences Hyundai Palisade insurance costs. Monthly premiums reach $401 for young drivers under 25 with clean records, while adult drivers between 26-64 without violations pay as little as $158 monthly.
| Adult Drivers | $107 | $209 |
| Young Drivers | $274 | $528 |
| Senior Drivers | $143 | $264 |
| Drivers With a Speeding Ticket | $133 | $262 |
| Drivers With an Accident | $158 | $305 |
| Drivers With a DUI | $198 | $381 |
| Drivers With Bad Credit | $258 | $521 |
Is a Hyundai Palisade Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Hyundai Palisade ranks 563rd out of 827, making it one of the more expensive cars to insure. Among mid-size SUVs, the model ranks as the sixth-most expensive vehicle compared to similar models.
| Isuzu Rodeo | $54 | $103 |
| Gmc Envoy | $70 | $136 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Mercury Mariner | $76 | $145 |
| Mitsubishi Montero | $76 | $147 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Hyundai Veracruz | $81 | $157 |
| Chevrolet Trailblazer | $83 | $160 |
| Ford Explorer | $84 | $162 |
| Nissan Pathfinder | $85 | $163 |
| Subaru Outback | $85 | $163 |
| Jeep Wrangler | $86 | $166 |
| Chevrolet Traverse | $86 | $167 |
| Gmc Acadia | $87 | $168 |
| Toyota 4Runner | $87 | $169 |
| Jeep Wrangler Unlimited | $89 | $173 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Kia EV6 | $99 | $194 |
| Ford Bronco | $103 | $201 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
| Jeep Wrangler 4xe | $125 | $242 |
| Jeep Grand Cherokee 4xe | $127 | $247 |
Factors That Affect Hyundai Car Insurance Costs
Several factors affect what you'll pay for Hyundai Palisade insurance coverage:
- Age Range: Primary buyers aged 35-55, with average new SUV buyer age around 53 - mature demographics result in lower accident rates and insurance premiums
- Family Status: Predominantly families with children needing 3-row seating, seeking safety over performance. These responsible drivers qualify for family and multi-vehicle discounts
- Income Level: Higher household incomes ($75,000-$150,000+) attracted to the premium positioning and luxury features, enabling bundling opportunities
- Insurance Rate Impact: Family SUV classification and mature buyer demographics result in moderate premiums averaging $154-$250/month depending on trim level. Excellent safety ratings (5-star NHTSA, IIHS Top Safety Pick) provide additional discounts up to 10%
Average Repair or Replacement Costs
Hyundai ranks fourth in repair affordability among 59 U.S. automakers with median annual costs of $587. Hyundai Palisade repair costs average $925 annually, making it one of Hyundai's most expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
Insurance costs vary across seven trim levels. Base SE models average $2,204 annually, while fully loaded Calligraphy trims can exceed $2,800+ annually. Premium features affecting rates include dual panoramic sunroofs, Nappa leather seating, advanced infotainment systems and comprehensive driver assistance packages.
The luxurious Calligraphy trim offers Genesis-level amenities that increase replacement values. New 2026 models introduce hybrid powertrains and enhanced tech features, potentially raising premiums for these advanced variants. Higher trim levels also attract family buyers who may qualify for multi-vehicle and homeowner discounts.
Fuel Type
All current Palisades use the proven 3.8L V6 gasoline engine producing 291 hp, avoiding electric vehicle premium surcharges. Fuel economy of 19-26 mpg is typical for the class. The new 2026 model introduces a 329 hp hybrid option that may command slightly higher insurance rates due to complex dual powertrains and specialized repair requirements.
But, hybrid models may qualify for green vehicle discounts up to 10% with some insurers. The robust V6 engine's reliability record helps keep premiums reasonable compared to turbocharged alternatives. All-wheel drive versions cost modestly more to insure due to additional complexity.
Location
The SUV's popularity in suburban family areas with good safety records helps moderate rates. Strong sales performance with 110,055 units sold in 2024 (up 23% year-over-year) ensures nationwide parts availability and dealer service networks.
Urban areas see higher rates due to increased theft risk for premium SUVs, while rural family communities often enjoy 15% to 20% lower premiums. The Palisade's excellent safety ratings provide regional rate advantages.
Driver Profile
Palisade owner demographics favor lower insurance rates:
Cheapest Hyundai Palisade Insurance Companies
For Palisade car insurance, Travelers offers the most affordable full coverage with average monthly rates of $162. GEICO provides the cheapest minimum coverage policies for a Palisade at $77 monthly.
| GEICO | $77 | $169 |
| Travelers | $88 | $162 |
| Nationwide | $104 | $181 |
| Progressive | $107 | $201 |
| State Farm | $102 | $212 |
Cheapest Hyundai Palisade Insurance by State
We found that these three insurers offer the most affordable Hyundai Palisade coverage:
- Travelers: Offers the cheapest rates in 15 states
- GEICO: Provides the most affordable coverage in 12 states
- American National: Wins for affordability in four states
Filter below to find which company offers the best auto insurance rates for your Hyundai Palisade.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Travelers | $73 |
How to Get the Best Cheap Hyundai Palisade Insurance
Below we break down the best way to buy car insurance for your Hyundai Palisade:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Hyundai's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your Hyundai will give you an idea of how much you're saving currently and with another provider. You can then search for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Hyundai Palisade, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Your Hyundai Palisade represents the pinnacle of family-focused SUV ownership, and its buyer demographics open doors to some of the most substantial insurance savings available. Here are five discounts that align with typical Palisade owner characteristics:
- Bundling/multi-policy discount (15% to 25% savings): With over 90% of Palisade owners being homeowners and many having established households, bundling auto and home insurance delivers massive savings. The typical family can save $300-600 annually by consolidating policies with one carrier.
- Multi-car discount (10% to 20% savings): Three-row SUV buyers typically own 2.3 vehicles per household, making multi-car discounts nearly universal among Palisade families. Adding your Palisade to existing family policies often provides immediate savings on all covered vehicles.
- Good driver discount (10 to 20% savings): The median Palisade buyer age of 50 puts owners in the sweet spot for mature driver rates. With established driving histories and lower risk profiles, most Palisade families qualify for clean record discounts that recognize their responsible driving patterns.
- Safety feature discount (5% to15% savings): Your Palisade earned 2024 IIHS Top Safety Pick recognition and NHTSA's 5-Star Overall Safety Rating. Standard Hyundai SmartSense features like forward collision-avoidance assist and blind-spot monitoring can help you avoid crashes and qualify for advanced safety technology discounts.
- Family/occupation discount (5% to 15% savings): Over 50% of three-row SUV buyers have children under 18, and many Palisade owners work in stable professions like education, healthcare or engineering. Family discounts, professional group rates, and employer partnerships can provide additional savings for households fitting this demographic profile.
- 5
Consider alternative car insurance types
Hyundai Palisade owners should consider usage-based insurance or programs that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Hyundai Palisade insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Hyundai Palisade Insurance Cost: Bottom Line
Insuring a Hyundai Palisade costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Hyundai Palisade Insurance Rates: FAQ
Here are answers to common questions about insuring a Hyundai Palisade.
What is the average cost of car insurance for a Hyundai Palisade?
The Hyundai Palisade's average annual insurance cost is $1,285 yearly for state minimum coverage and $2,503 for full coverage.
What company has the cheapest car insurance for a Hyundai Palisade?
GEICO offers the cheapest minimum coverage auto insurance for a Hyundai Palisade, with an annual minimum coverage rate of $1,070. For those looking for full coverage policies, Travelers is the most cost-effective option at $2,034 per year.
Are Hyundai Palisades expensive to insure?
Yes, Hyundai Palisade insurance costs more than most cars. Out of 827 vehicles we track, the Palisade ranks 563rd for affordability
What factors affect insurance costs for Hyundai Palisades?
Several factors increase Hyundai Palisade insurance rates. Repairs cost more on higher trims due to premium features and advanced technology. Your driving record and credit score, plus the coverage you pick, play a significant role. Geographic location also influences rates. Areas with higher theft rates or limited Hyundai-certified service centers may cost more.
How can I lower Hyundai Palisade insurance costs?
Shop around with multiple insurers as rates vary for Hyundais, and consider usage-based insurance programs that track your driving habits.
Take advantage of Hyundai's safety features (SmartSense suite, forward collision-avoidance assist) when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Hyundai Palisade Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate Hyundai Palisade insurance costs.
Who We Based These Rates On
These Hyundai Palisade prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score is in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
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.