Cost of Hyundai Car Insurance (2026)
At an average of $153 per month, the cost of insuring a Hyundai is about the same as insuring similar models.
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Written byTaylor Milam-Samuel
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Taylor Milam-Samuel Insurance Writer
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Master’s in Education
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Reviewed byDavid Marlett
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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 $98, and full-coverage averages $187 per month.
Here’s what you need to know when comparing quotes for a Hyundai.
Quick Facts
USAA, GEICO, and State Farm offer some of the cheapest rates for Hyundais.
The Hyundai Santa Fe has the lowest average insurance rate, while the Ioniq 5 has the highest.
Hyundai drivers pay an average of $2,400 per year for full coverage.
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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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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.
The Hyundai Elantra stands out as an affordable sedan with solid safety features. With a starting manufacturer’s suggested retail price (MSRP) of $23,320, according to Kelley Blue Book (KBB), it’s also one of the least expensive models to insure.
The table below shows average monthly rates from several major companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $110 $53 GEICO $131 $61 State Farm $132 $62 Allstate $146 $69 Progressive $170 $110 American Family $171 $79 Nationwide $203 $97 Travelers $214 $102 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Genesis is Hyundai’s luxury brand. It offers a separate lineup of high-end vehicles, including the G70, G80, G90, GV70, and GV80, and has a starting MSRP of $57,100.
Exact insurance costs depend on the model, but they tend to be higher for the Genesis than for standard Hyundai models. Average prices listed below are for the Genesis G70.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $135 $65 GEICO $160 $75 State Farm $162 $76 Allstate $180 $84 Progressive $208 $135 American Family $210 $97 Nationwide $249 $119 Travelers $262 $126 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
An electric car, the Ioniq 5 is the most expensive Hyundai to insure. It’s also Hyundai’s most expensive model, with a starting MSRP of $67,675.
Rates from several companies appear below for full-coverage and liability-only policies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $102 $49 GEICO $121 $56 State Farm $122 $57 Allstate $135 $64 Progressive $157 $102 American Family $158 $73 Nationwide $188 $90 Travelers $198 $95 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
The Kona is a subcompact SUV, similar in size to a sedan but with more space. With a starting MSRP of $26,000, it costs an average of $150 per month to insure. The Kona is one of the cheapest Hyundais to insure, and the companies listed below offer even lower average monthly quotes.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $100 $48 GEICO $118 $55 State Farm $119 $56 Allstate $132 $62 Progressive $154 $100 American Family $155 $71 Nationwide $183 $88 Travelers $194 $93 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
As one of the most affordable options for a full-size three-row SUV, the Hyundai Palisade is a family-friendly car with a starting MSRP of $38,675. Among other popular Hyundai models, the Palisade’s insurance costs are right in the middle.
The table below shows average monthly quotes from several insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $103 $50 GEICO $122 $57 State Farm $123 $58 Allstate $137 $64 Progressive $159 $103 American Family $160 $74 Nationwide $190 $91 Travelers $200 $96 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
With three-row seating and a starting price tag of $35,795, the Santa Fe is a budget-friendly pick that’s more compact than the Palisade. Redesigned in 2024 with a new body shape and more interior space, the Santa Fe is also one of the cheapest Hyundai models to insure.
Average monthly rates for the Santa Fe appear in the table below.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $87 $42 GEICO $104 $48 State Farm $104 $49 Allstate $116 $54 Progressive $135 $87 American Family $136 $62 Nationwide $161 $77 Travelers $170 $81 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
The Sonata is Hyundai’s upscale sedan. While its $28,095 starting price is higher than the Elantra’s, its average insurance costs are similar.
See the table below for average monthly rates from several of the cheapest insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $107 $51 GEICO $127 $59 State Farm $128 $60 Allstate $142 $67 Progressive $165 $107 American Family $166 $76 Nationwide $196 $94 Travelers $207 $99 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Hyundai offers the Tucson as both a hybrid and plug-in hybrid version, with the plug-in model costing about $6,000 more. It’s a compact SUV with impressive fuel economy and plenty of interior space. Insurance costs for this model are on the lower end compared to other Hyundais.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $107 $51 GEICO $127 $59 State Farm $128 $60 Allstate $142 $67 Progressive $165 $107 American Family $166 $76 Nationwide $196 $94 Travelers $207 $99 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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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
| User Reviews | 4.2 |
|---|---|
| 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. | $93/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. | $188/mo |
4.2
Best choiceBased on 988 verified driver reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 518 Nationwide reviews
Verified Review
Reviewed in New York on May 21, 2026
Just your average auto insurance company.
Verified Review
Reviewed in South Carolina on May 15, 2026
Expensive for the coverage provided.
Verified Review
Reviewed in Pennsylvania on April 19, 2026
Too expensive and they farm you out to other insurance companies.
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+
State Farm: Best for affordable rates
| User Reviews | 4.0 |
|---|---|
| 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. | $53/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 |
4.0
Best choiceBased on 18,297 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,587 State Farm reviews
Verified Review
Reviewed in Illinois on May 29, 2026
Great customer service from staff! However, there's a lack of consideration for lower rates for folks who have never had a wreck, low mileage use, no DUIs, etc. These are meaningful issues for consideration when calculating cost!
Verified Review
Reviewed in Missouri on May 29, 2026
Not good in terms of price. They paid pretty fast when a tornado caused a tree to fall on my SUV with me in it. Totaled my SUV. Then proceeded to raise my premium almost 100% for a 76-year-old with 50 years of driving experience, with only 1 ticket EVER and 1 or 2 not-my-fault accidents in 50 years. I've had to give up some activities in order to afford it until I find a different policy.
Verified Review
Reviewed in Florida on May 28, 2026
Way too expensive. Customer service is severely lacking. No responses to messages and questions. Agents don’t care about anything except padding their pockets with undeserved commissions. Been with them for 20+ years and the rates are horrendous for good driving. The only way to get bigger discounts is to apply this device to your vehicle to monitor every single move while driving. I don’t need a babysitter device to prove my safety habits. Credit reports are used to determine rates and that's outrageous! So if your credit score is low, expect much higher rates. Sick and tired of paying high rates because of insurance agents needing their commissions.
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++
American Family: Best for discount seekers
| User Reviews | 4.5 |
|---|---|
| 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. | $80/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. | $160/mo |
4.5
Best choiceBased on 628 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.2 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 270 American Family reviews
Verified Review
Reviewed in Nevada on May 26, 2026
I recommend this insurance to everyone. Great rates and excellent customer service. I am very happy with this company.
Verified Review
Reviewed in Missouri on May 25, 2026
Rates are high and they don't want to work with you to bring them down.
Verified Review
Reviewed in Tennessee on May 24, 2026
Good company but expensive.
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
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 |
| District of Columbia | $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
Hyundai insurance is cheaper than the national average. The answers to these common questions can help you find the best car insurance.
USAA has the cheapest Hyundai insurance, but coverage is available only to military members, veterans, and their families. You can also find low-cost coverage from GEICO and State Farm. Your exact cost depends on your location, driving record, car model, and other factors.
No. Hyundais aren’t expensive to insure compared to the national average. Hyundai insurance averages $153 per month, compared to the national average of $142 for all vehicles. Comparing quotes from different insurance companies can help you find the lowest rates. Be sure to ask about any discounts you may qualify for.
Insuring a Genesis G80 costs an average of $237 per month for full coverage. The exact cost of coverage for a Hyundai Genesis G80 depends on the vehicle’s age, where you live, your driver profile, and other factors.
Sources
- Hyundai. "Hyundai Motor America Reports Record-Breaking March 2025 and Q1 Sales."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
Taylor Milam-Samuel Insurance Writer
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Featured in
Becky HelzerEditor
David MarlettAdvisor