Buy Cheap Hyundai Auto Insurance in 2024

Hyundai auto insurance quotes tend to run a little under the national average, particularly because of the brand’s affordability, reliability, and excellent safety ratings. The average driver pays $140 per month for Hyundai insurance, but rates can vary significantly depending on several factors. These factors include how much auto insurance you need, where you live, and which Hyundai model you drive.

Although prices vary, there are plenty of ways to find affordable Hyundai auto insurance. Read on to learn where to buy cheap Hyundai auto insurance and how to save even more. Then, compare Hyundai auto insurance rates from as many companies as possible to get the best policy for your needs.

Hyundai Auto Insurance Costs

To relate to shoppers across America, we’ve used Oregon insurance rates as the benchmark. This is because studies have shown that insurance rates in Oregon are around the national average rate. For each popular Hyundai vehicle model, we calculated what the price of insurance would be for a Portland, Oregon driver who meets the following criteria:

• Holds basic, required insurance coverage
• Has had no accidents in the past five years
• Has good credit
• Drives a 2018 model
• Drives 10,001 – 15,000 miles driven yearly

Here is how it breaks down, by model:

Hyundai Auto Insurance Average Rates by Model

Model	Rates
Accent	$83
Elantra	$82
Santa Fe	$81
Tucson	$74
Sonata	$79

These rates are quite competitive compared to models close in price, like those from Honda or Kia. (For more information, read our “Buy Cheap KIA Auto Insurance“).

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Hyundai Safety Ratings

While Hyundai has had industry-leading fuel efficiency over the years, it garnered a reputation for cars that didn’t last as long as expected. The carmaker counteracted the complaints with one of the best warranties on the market, a 10-year, 100,000-mile bumper-to-bumper guarantee.

So how does all this relate to car safety, one of the big factors in keeping insurance costs manageable? Let’s take a look.

Two reputable online sources are available that can give you a clear and fair look at how safe any car model is. The first is the Insurance Institute for Highway Safety (IIHS). Established by insurance companies in 1959, the organization is now independent and nonprofit. They are dedicated to using scientific research and outreach education to reduce deaths, injuries, and property damage due to motor vehicle accidents.

The IIHS has a user-friendly “ratings” tool on its website to evaluate vehicles for crashworthiness (how well occupants are protected in a crash) and crash avoidance and mitigation (how well the vehicle can prevent an accident or lessen its severity). Vehicles are given one of four possible ratings (Poor, Marginal, Acceptable, or Good) across multiple categories.
The second is the National Highway Traffic Safety Administration (NHTSA). The group’s mission statement is: “Through enforcing vehicle performance standards and partnerships with state and local governments, NHTSA reduces deaths, injuries and economic losses from motor vehicle crashes.” They help accomplish this goal with an interactive “ratings” tool online.

You can also use their “vehicle comparison” tool, which comes in handy when buying a new car. This tool could play a big role in helping you choose the best car for you when there’s a toss-up between particular makes and models.
Read on to learn how the IIHS and NHTSA rate Hyundai’s models.

Hyundai Accent

The Hyundai Accent is the carmaker’s entry vehicle. The small car, categorized in some circles as a mini car, is also a little skimpy on safety. The most recent studies have rated the car with the worst possible safety ranking (“Poor”) when it comes to crashworthiness in driver- and passenger-side crashes. The vehicle also lacks any crash avoidance and mitigation system.

Roof strength and headrest/seat performance in crash tests got the top safety ratings, but overall the Accent is not the best car for severe accidents. Testing on the hatchback version of the Accent produced similar, mostly poor results.

Hyundai Elantra

What Hyundai failed to accomplish with the Accent it more than made up for with the Elantra. The carmaker’s small car earned the Top Safety Pick + award from the Insurance Institute for Highway Safety.

To qualify, a vehicle must earn the top safety ratings in five of six safety categories as well as an acceptable or good rating in one other safety category. It also must earn an advanced or superior rating for front crash prevention and a good headlight rating.

Two areas where the Elantra excelled were in front crash prevention and headlight safety. The Elantra received a “Superior” ranking for its front crash prevention system and the top rank for headlights, too. Child seat anchor use and passenger-side crashworthiness were the only two categories not receiving the highest mark, and in both those instances, the Elantra got the second-highest mark.

Hyundai Ioniq Hybrid

The Hyundai Ioniq is the Korean carmaker’s entry into the hybrid vehicle market, and in terms of safety, it has made an impressive splash. The Ioniq managed to earn the top rating for all six of the crashworthiness categories and its front crash prevention system was rated as “Superior.”

Only the headlight system and child seat anchors (ease of use) received less than top ratings. Even in those cases, the systems garnered the second-best ranking.

Hyundai Santa Fe

A midsize SUV with a super-sized safety record. That’s what the Insurance Institute for Highway Safety apparently thinks about Hyundai’s Santa Fe. It earned the organization’s Top Safety Pick + award, and rightfully so.

Passenger-side crashworthiness and ease of use for child seat safety anchors received “Acceptable” rankings—the rating system’s second-best mark. But for all other categories of safety ratings, the Santa Fe earned top marks. It may not be the biggest SUV on the road, but it’s one of the safest.

Hyundai Tucson

Hyundai’s small SUV is just as big on safety as its midsize SUV. The Tucson is yet another Hyundai model earning the prestigious Top Safety Pick + award from the Insurance Institute for Highway Safety. Crashworthiness categories all came in with top marks, and the front crash prevention system was rated as “Superior.”

The Tucson only missed the top mark for child seat anchor ease of use and the headlight system. On the straightaway, visibility was inadequate on both sides of the road when using the high beams, the report said.

The bottom line is that if you want all the safety of an SUV and all the fuel efficiency of a smaller car, Hyundai’s models are as strong an option as anything else.

Hyundai Sonata

It may be a midsize car, but its safety rating is supreme. The Sonata is yet another Hyundai model earning the Top Safety Pick + award, with one difference. It not only managed to achieve top rankings in all crashworthiness categories, but it also earned top rankings in front crash prevention and headlight systems. It is the only Hyundai model with a top rating of its headlights.

The only less-than-stellar ranking given to the Sonata was the ease of use for the child seat anchors. However, it’s important to note this safety rating is assessing convenience, not performance.

How can you save money on car insurance?

Insurance rates are based on formulas that try to assess risk and then place a price on that risk. That means you can optimize your personal data to get the best rate available to you. The savings can be nominal or significant, but any savings are welcomed in most American households. Here are some tips that you may not be thinking about that could help you cut your insurance costs.

Factors That Affect Hyundai Car Insurance Quotes

Insurance prices will change based on a number of factors, like age and gender. You can’t do much about those, but you can do things that affect the other factors that make up the pricing formula:

• Geography: Auto insurance rates vary by state, city, and even neighborhood. You can see vastly different rates by moving even one ZIP code over.
• Your past driving record: It’s no surprise that moving violations can impact insurance rates. If you’ve had a spotty driving history, try to improve your driving record — a ticket can clear off your record in as little as two years.
  
• Your coverage choice: The coverage you pick can determine the price you pay. Full coverage auto insurance and GAP insurance will add a little to your monthly premium but will add way more protection. There are several types of car insurance, so make sure to choose only what you need.
• Age: Average auto insurance rates by age can vary significantly, but younger drivers typically pay more for insurance than more experienced adults.
• Make and model: Vehicle value impacts insurance rates because replacing parts on a luxury car is far more expensive than replacing parts for a less-expensive commuter car. Think about jumping down from a large SUV to a midsize or small SUV when you’re trying to trim costs.
• Credit score: Insurance companies keep careful track of claims numbers, and the data shows that people with higher credit scores file fewer claims. Finding cheap auto insurance for drivers with bad credit can be more difficult, but your rates will improve if you can increase your credit score.

Choose Where to Buy Cheap Hyundai Auto Insurance Carefully

When you research wisely, you make choices more precisely. Make sure you compare price estimates from a variety of insurance companies. While most carriers have competitive rates, some carriers have a competitive advantage because they can bundle your auto insurance with other forms of insurance, such as homeowners insurance.

Finally, talk to your insurance agent about any other ways they can reduce your rates. For example, if you are insuring a new driver in your house, you may want to see if your provider will lower your rates whenever you add any sort of safety device, like Hum by Verizon which helps you track your car’s location and other driving data. These devices may also give you peace of mind.

Check into things like garage versus carport and carport versus street parking. Auto insurance discounts can come from a myriad of factors. After all, the goal is to get all possible discounts to kick in. When in doubt, ask questions!

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How to Buy Cheap Hyundai Auto Insurance

There are so many easy ways to save on your car insurance. The problem is that because most people don’t realize this, they end up overspending when it comes to their premiums. So what are some tricks to buying cheap auto insurance when you need Hyundai auto coverage?

• Get quotes. Comparing quotes is one of the most important steps in finding auto insurance for Hyundais at a good price. To compare Hyundai auto insurance, you can use an online auto insurance calculator, gather quotes yourself, or speak with an insurance representative.
• Consider your car. Your car deserves the best Hyundai auto insurance possible, so it’s important to keep your vehicle’s features in mind when shopping for coverage. Some Hyundais have more safety features or anti-theft devices than others, which can help you save.
• Plan your payment. Although there are several ways to pay for your Hyundai car insurance, you can save money if you can afford to pay for your entire policy at once. Most companies group rates into a six-month period, and paying that price usually earns a discount.
• Raise your deductible. If you need to keep your rates low, choosing a higher auto insurance deductible will help. Be aware though, that a higher deductible means you’ll need to pay more if you file a claim before your insurance kicks in.

Remember being a responsible driver means having the right amount of insurance coverage. In fact, in every state but two, you must have car insurance in order to be behind the wheel of a car legally. Make sure you have enough to meet your state’s minimum insurance requirements. Anything above and beyond that is your choice to make.

When you get quotes from multiple companies, you can find out how to save money while getting the best coverage, and you can get those quotes by starting with just your zip code. Find out how to save when you buy Hyundai insurance.

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