Car insurance for Hyundai

Factors that impact insurance costs

• Is Hyundai car insurance expensive?

  Compared to other vehicle makes, Hyundai car insurance is relatively affordable. The Sonata comes in as one of the cheapest in the lineup, averaging $2,857 per year for full coverage car insurance. On the opposite end of the spectrum, the Ioniq 5 averages $2,996 per year for the same coverage. Both are fairly inline with the national average insurance costs of $2,671. However, trim selection and your driver profile can influence your Hyundai insurance rates.

• What safety features make Hyundai a good vehicle choice?

  Hyundai vehicles come equipped with advanced safety features through their SmartSense suites, even on lower trim levels. Key features like forward collision-avoidance assist, blind-spot collision warning and lane-keeping assist help reduce the risk of accidents. While many other vehicle makes have similar safety features, Hyundai has a price point that may be more attractive to budget-conscious drivers.

• Does Hyundai have good resale value?

  The resale value of Hyundai models is middle-of-the-road and relies heavily on the vehicle model. Since a car's depreciation can play an important role in vehicle selection, doing your research ahead of time is key. According to iSeeCars, Hyundais typically retain between 65 percent and 37 percent of their resale value.

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

• Credit-based insurance scores:

  Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 

   

• Incidents:

  Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

• Mileage:

  Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

• Model:

  Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.

• Age:

  Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

• Gender:

  The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

• Status:

  Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.