Hyundai Insurance Cost
Across 12 current Hyundai models, full coverage averages about $1,575 a year by our estimate — −1% versus the average vehicle ($1,590).
Hyundai insurance profile
Hyundai’s lineup is made up mostly of 5 small suvs, 3 midsize suvs, and 2 midsize cars. HLDI collision losses for its models average 112 (100 = all-vehicle average).
Every Hyundai model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Kona | Small SUV | 2018–2027 | 95 | $1,385 | −13% |
| Tucson | Small SUV | 2005–2026 | 94 | $1,410 | −11% |
| Santa Fe | Midsize SUV | 2005–2027 | 110 | $1,415 | −11% |
| Palisade | Midsize SUV | 2020–2027 | 101 | $1,435 | −10% |
| Nexo | Small SUV | 2019–2026 | — | $1,455 | −8% |
| Ioniq 9 | Midsize SUV | 2026–2027 | — | $1,575 | −1% |
| Santa Cruz | Pickup truck | 2022–2027 | 92 | $1,580 | −1% |
| Venue | Small SUV | 2020–2027 | 92 | $1,590 | 0% |
| Ioniq 5 | Small SUV | 2022–2027 | 130 | $1,630 | +3% |
| Ioniq 6 | Midsize car | 2023–2027 | 134 | $1,640 | +3% |
| Sonata | Midsize car | 2005–2027 | 136 | $1,890 | +19% |
| Elantra | Compact car | 2005–2026 | 134 | $1,895 | +19% |
Older and discontinued Hyundai models
What makes Hyundai insurance cost more or less
- EV batteries: 4 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Theft: Sonata (#3) and Elantra (#1) on the NICB national most-stolen list push comprehensive premiums up.
- Claims history: HLDI collision indices across 10 models range from 92 to 136, so the model you pick matters as much as the brand.
- Segment mix: 5 small suv, 3 midsize suv, 2 midsize car, 1 pickup truck, 1 compact car.
Average Hyundai insurance cost by state
Average full-coverage estimate across current Hyundai models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,013 | −36% |
| North Dakota | $1,025 | −35% |
| Vermont | $1,041 | −34% |
| Idaho | $1,076 | −32% |
| Iowa | $1,082 | −31% |
| Wisconsin | $1,086 | −31% |
| Hawaii | $1,102 | −30% |
| Indiana | $1,130 | −28% |
| New Hampshire | $1,134 | −28% |
| Ohio | $1,136 | −28% |
| North Carolina | $1,195 | −24% |
| South Dakota | $1,219 | −23% |
| Wyoming | $1,248 | −21% |
| Montana | $1,268 | −19% |
| Kansas | $1,270 | −19% |
| Nebraska | $1,273 | −19% |
| Minnesota | $1,324 | −16% |
| Tennessee | $1,324 | −16% |
| Kentucky | $1,328 | −16% |
| West Virginia | $1,330 | −16% |
| Virginia | $1,363 | −13% |
| Washington | $1,372 | −13% |
| Illinois | $1,378 | −13% |
| Alabama | $1,386 | −12% |
| Pennsylvania | $1,391 | −12% |
| Alaska | $1,392 | −12% |
| Arkansas | $1,408 | −11% |
| Oregon | $1,410 | −10% |
| New Mexico | $1,423 | −10% |
| Utah | $1,428 | −9% |
| Oklahoma | $1,433 | −9% |
| Missouri | $1,438 | −9% |
| Mississippi | $1,517 | −4% |
| Massachusetts | $1,562 | −1% |
| California | $1,567 | −1% |
| Arizona | $1,654 | +5% |
| Connecticut | $1,675 | +6% |
| South Carolina | $1,677 | +6% |
| Michigan | $1,731 | +10% |
| Delaware | $1,749 | +11% |
| Maryland | $1,773 | +13% |
| Colorado | $1,793 | +14% |
| Nevada | $1,795 | +14% |
| Texas | $1,878 | +19% |
| New Jersey | $1,891 | +20% |
| Rhode Island | $1,902 | +21% |
| Georgia | $1,942 | +23% |
| District of Columbia | $2,003 | +27% |
| New York | $2,108 | +34% |
| Louisiana | $2,182 | +39% |
| Florida | $2,228 | +41% |
Frequently asked questions
How much does it cost to insure a Hyundai?
Across 12 current Hyundai models, our full-coverage estimate averages $1,575 a year for a driver in their 30s with a clean record, 1% less than the average vehicle ($1,590).
What is the cheapest Hyundai to insure?
The Hyundai Kona has the lowest estimate at about $1,385 a year for full coverage; the Hyundai Elantra is the most expensive at about $1,895.
Are Hyundai repairs expensive for insurers?
HLDI collision-loss data for 10 Hyundai models averages 112 (100 = average of all vehicles), which is worse than average. Collision losses combine how often claims happen and how much repairs cost.
Are Hyundai vehicles often stolen?
the Hyundai Sonata (#3) and the Hyundai Elantra (#1) appear on the NICB national most-stolen list, which raises comprehensive premiums.
Where is it cheapest to insure a Hyundai?
By our estimates, Maine is the cheapest state (about $1,013 a year on average across current models) and Florida the most expensive (about $2,228).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.