Cost of Hyundai Car Insurance (2025)

Hyundais have become increasingly popular in the United States, with record-breaking sales over the last two years.^[1] Each Hyundai includes an industry-leading 10-year/100,000-mile powertrain warranty, and various models sell for less than $40,000.

Insuring a Hyundai is also reasonably affordable. Liability-only coverage costs an average of $106 per month, while full coverage averages $200. For comparison, the national average cost of liability coverage is $99, and full-coverage averages $176 per month.

Here’s what you need to know when comparing quotes for a Hyundai.

Cost of Hyundai insurance by model

Below are several of the most popular Hyundais on the market and their average monthly insurance rates. While insurance costs are generally similar, rates can vary depending on the specific model and insurance company.

Hyundai Model	Average Monthly Quote
Elantra	$165
Genesis	$164
Ioniq 5	$205
Kona	$150
Palisade	$155
Santa Fe	$131
Sonata	$160
Tucson	$137

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheapest Hyundai insurance by model

The best insurance company for you varies based on factors like your car model, driver profile, and driving record. In the tables below, you can see the cheapest insurance companies for each of the most popular Hyundai models.

Best companies for Hyundai car insurance

Knowing your priorities can help you select the best insurance company for your Hyundai. For example, you may want a specific type of coverage, such as gap insurance, or you may prioritize affordability.

The following insurers are the top choices for Hyundai owners based on various preferences.

Nationwide: Best for low-mileage drivers

low-mileage drivers

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User Reviews	4.3 499 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$96/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$181/mo

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Driver Reviews

4.3

Best choiceBased on 898 verified guest reviews and ratings

How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

Reviews (499)

Joyce

Verified Review

Excellent

Reviewed in New York on November 2025

Find an insurance that helps out senior citizens.

Raymond

Verified Review

Above Average

Reviewed in New York on November 2025

Good experience, especially with the claims department.

Edward

Verified Review

Happy for the most part

Reviewed in Pennsylvania on November 2025

I haven’t had any claims, but roadside assistance could be better.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

641

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.7

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Nationwide operates in 46 states and Washington, D.C., selling car, homeowners, life, umbrella, and more types of insurance coverage. In addition to liability, collision, and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap insurance. The company also offers a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A rating from AM Best for financial stability and fewer-than-expected customer complaints in the National Association of Insurance Commissioners Consumer Complaint Index.

Pros

• Offers 24/7 roadside assistance coverage add-on

• SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

• Accident forgiveness available

Cons

• Below-average customer satisfaction scores from J.D. Power

• Some discounts and programs not available in all states

• Not available in every state

State Farm: Best for affordable rates

affordable rates

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User Reviews	4.1 6,584 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$56/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$108/mo

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Driver Reviews

4.1

Best choiceBased on 12,804 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,584)

Alfonzo

Verified Review

Bad Insurance Experience

Reviewed in West Virginia on December 2025

Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.

Tracy

Verified Review

Look what Wildbowilly found

Reviewed in Texas on December 2025

I would highly recommend State Farm. The staff at Steelhammer in Victoria, Texas is great. There is none better in the insurance company game. The rates I have received there are very spot on, and I'm really very satisfied. So State Farm, keep up the good work.

Steven

Verified Review

Great Insurance

Reviewed in Minnesota on December 2025

No issues at all.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros

• High rates of customer satisfaction

• Rideshare insurance available

• Savings for bundling auto with home, renters, condo, or life insurance

Cons

• No gap insurance offering

• May not be the cheapest choice for drivers with violations

• Accident forgiveness limited to longtime customers with clean driving records

American Family: Best for discount seekers

discount seekers

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User Reviews	4.5 248 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$81/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$150/mo

Show Details

Driver Reviews

4.5

Best choiceBased on 520 verified guest reviews and ratings

How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Outstanding customer service

Flexible coverage options

Families with young drivers

How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Outstanding customer service

Flexible coverage options

Families with young drivers

Reviews (248)

Holly

Verified Review

Our Family

Reviewed in Ohio on October 2025

Wonderful and easy-to-use claims.

Janice

Verified Review

Excellent

Reviewed in Georgia on October 2025

So far, so good. I've never had to file a claim.

Charles Gary

Verified Review

Good service

Reviewed in Georgia on October 2025

Good, but rates are starting to skyrocket!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.47

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

In business for more than 90 years, American Family sells car insurance in 19 states. Drivers who bundle their American Family car insurance policies with its homeowners insurance can save up to 23%. Safe drivers can benefit from American Family’s usage-based program, which gives an automatic 10% discount, while those who drive less than 7,500 miles per year may save with its low-mileage discount. American Family ranks second for customer satisfaction in the Central region, according to J.D. Power’s 2024 U.S. Auto Insurance Study.

Pros

• High rates of customer satisfaction

• Save by bundling auto with home, renters, or motorcycle coverage

• Much lower-than-average number of consumer complaints with the National Association of Insurance Commissioners

Cons

• Only available in 19 states

• Rates are merely moderate compared to other insurers

• No rideshare insurance coverage

Average cost of Hyundai insurance by state

Where you live affects your insurance costs. Pricing may vary based on your state, city, and even your ZIP code.^[2]

The map below shows the average monthly insurance cost for Hyundai owners by state. Alaska and Hawaii are not included due to lack of data.

Full-Coverage Rates by State

State	Average Monthly Quote
Alabama	$146
Arizona	$178
Arkansas	$263
California	$247
Colorado	$225
Connecticut	$343
Delaware	$252
Florida	$236
Georgia	$255
Idaho	$128
Illinois	$174
Indiana	$148
Iowa	$124
Kansas	$169
Kentucky	$222
Louisiana	$227
Maine	$152
Maryland	$347
Massachusetts	$182
Michigan	$284
Minnesota	$200
Mississippi	$213
Missouri	$198
Montana	$170
Nebraska	$179
Nevada	$288
New Hampshire	$116
New Jersey	$182
New Mexico	$163
New York	$483
North Carolina	$96
North Dakota	$141
Ohio	$132
Oklahoma	$182
Oregon	$165
Pennsylvania	$177
Rhode Island	$151
South Carolina	$276
South Dakota	$132
Tennessee	$153
Texas	$242
Utah	$188
Vermont	$155
Virginia	$197
Washington	$164
Washington D.C.	$352
West Virginia	$161
Wisconsin	$136
Wyoming	$122

How to ensure you have enough coverage on your Hyundai

As a driver, your first priority is to get insurance that meets your state’s minimum liability requirements. A policy from a reputable insurer will fulfill that requirement. But it’s also important to consider additional coverage options for more protection.

The following are some of the most common coverages you can buy:^[3]

• 

  Liability coverage

  Liability insurance is mandatory in nearly every state. This coverage pays for the other driver’s damages and medical expenses when you cause an accident, but it won’t cover any of your costs.

• 

  Collision coverage

  Collision insurance pays to repair or replace your vehicle if you hit an object or another vehicle. Lenders typically require full coverage (which includes comprehensive and collision) when you finance a car to protect their interests.

• 

  Comprehensive coverage

  Comprehensive coverage pays for car repairs resulting from non-collision events, such as storms, theft, vandalism, and fire.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for your car repairs and medical bills when an uninsured driver (or one without adequate coverage) causes an accident. While some states require this coverage, many don’t.

• 

  Gap coverage

  Gap insurance is an optional coverage that pays the difference between what you owe on your car and what it’s worth if it’s a total loss. The extra protection can make financial sense when you have a brand-new car.

Hyundai car insurance FAQs