Compare Hyundai Car Insurance Rates [2023]

South Korean-based Hyundai has enjoyed growing popularity in the American market, especially because they tend to be more affordable than similar brands. With solid safety ratings and a reputation for reliability, Hyundai will likely remain a popular choice for American drivers.

While many factors affect your car insurance rates, Hyundai drivers tend to see affordable prices. The average Hyundai driver pays a little less than the national average, though some models cost more to insure than others. For example, the Sonata Hybrid is one of the most expensive models to buy coverage for.

Even though Hyundai drivers typically see affordable car insurance rates, there are additional ways to save. Read on to compare Hyundai car insurance rates and where to find the best policy for your vehicle.

How much does Hyundai car insurance cost?

The average Hyundai driver pays about $140 a month, which is a little less than the national average. However, there are several factors that impact your rates, including:

• Age and gender
• Location
• Make and model of your car
• Driving history
• Credit score
• Marital status

Of course, the amount of insurance you want to purchase will also affect your rates. The amount of coverage you should buy depends on your Hyundai. For example, drivers with an older, less valuable Hyundai can save on their rates by following the minimum car insurance requirements in their state. However, full coverage is probably a better option if you’ve recently purchased a Hyundai

A final consideration is the model you choose. Check below to see how much you might pay for insurance based on the model you buy.

Although Hyundai car insurance usually matches the national average, there are some exceptions. For example, the Sonata Hybrid and Ridgeline usually cost more to insure than other models.

What types of car insurance should you buy for a Hyundai?

While there are several types of car insurance, Hyundai drivers usually buy one of two policies. The first is minimum insurance, which is the least amount of coverage you can buy in your state. It’s your cheapest option for coverage, but it won’t protect your Hyundai.

Other drivers choose a full coverage car insurance policy. Full coverage protects your Hyundai from nearly everything the road can throw at it. It costs more than minimum insurance, but you should consider it if you have a newer Hyundai or a loan or lease on your car.

If you buy full coverage, your policy will include the following types of insurance:

• Liability: Most states require a minimum amount of liability car insurance to protect drivers from financial hardship when someone else hits them. Liability pays for damage and injuries you cause in an at-fault accident.
• Collision: Collision car insurance pays for your car repair after an accident, no matter who caused it. It also protects you if you hit a stationary object, like a mailbox.
• Comprehensive: For all of life’s surprises, there’s comprehensive insurance. Comprehensive insurance covers vandalism, theft, animal contact, fire, floods, and extreme weather.
• Uninsured/underinsured motorist: Although most states require insurance, that doesn’t mean all drivers carry it. Uninsured/underinsured motorist insurance protects you against drivers without coverage.
• Personal injury protection/medical payments: Medical payments and personal injury protection insurance pay health care costs for you and your passengers. The type you can buy depends on the state you live in.

Adding more coverage to your policy might be a good idea, depending on your Hyundai. For example, drivers with newer Hyundais often add rental car reimbursement, roadside assistance, or gap insurance to their policies.

If your Hyundai is older or less valuable, you might want to skip the add-ons. Add-ons offer valuable coverage for your car, but they can significantly increase how much you pay.

How can you save on your Hyundai car insurance rates?

Hyundais usually have cheap car insurance rates, but there are always ways to save more. If you’re looking to keep your Hyundai auto insurance rates down, try the following tips:

• Lower your coverage. Depending on the age of your Hyundai, lowering your coverage might be a good way to reduce your rates. An insurance representative can help you determine how much coverage you need.
• Drive safe. Your insurance rates can increase dramatically when you receive a driving infraction. A simple way to keep your rates low is to practice safe driving.
• Try a telematics program. Most insurance companies offer usage-based insurance to help low-mileage, safe drivers save. Depending on the company, you can save up to 40%.
• Look for discounts. Popular car insurance discounts to look for include bundling multiple policies, being a safe driver, and passing a defensive driving course.
• Raise your deductible. Your car insurance deductible is the portion you must pay before your insurance kicks in. You can lower your car insurance rates by picking a higher deductible, but you’ll have to pay more if you need to make a claim.

Using the tips listed above can help you save on your car insurance. However, comparing your options is the most important way to find low insurance rates. It’s next to impossible to guess which company will have the lowest rates for you without comparing quotes.

Find the Best Car insurance for Hyundai Today

With a reputation for safety, reliability, and affordable price tags, Hyundai is an increasingly popular brand in America. That reputation comes with the benefit of low average insurance rates, with drivers paying about $140 a month for their coverage.

Although Hyundai insurance rates are usually low, there are always ways to save more. The most important way to find the cheapest Hyundai insurance rates for your unique situation is to compare car insurance quotes with as many companies as possible.