Is insurance high on a Hyundai Tucson?

Average insurance rates for a 2023 Hyundai Tucson are below the national average at $2,381 per year for full coverage and $800 per year for minimum coverage. However, insurance rates for older models may be higher due to theft risk for certain models manufactured between 2011 and 2021.

Why is a Hyundai so expensive to insure?

In recent years, the cost of Hyundai insurance has shot up due to increased theft rates associated with certain model years. For some Hyundai models manufactured between 2011 and 2021, the lack of anti-theft immobilizers created an easy loophole for would-be car thieves, resulting in a huge spike in thefts and a resulting increase in the cost of insurance coverage. However, Hyundai has put new measures in place to reduce theft risk, which may in turn mean more affordable coverage even for older Hyundai models.

Is $200 a month a lot for car insurance?

If you're paying $200 a month for car insurance, you're paying less than the national average of $223 per month for full coverage. For state minimum coverage, however, $200 a month is a fairly high rate.

Car Insurance for Hyundai Tucson

How much does it cost to insure a Tucson?

On average, Hyundai Tucson insurance costs $2,381 per year to insure with full coverage, according to data from Quadrant Information Services. That's 11 percent less than the national average of $2,671 per year.

A wide variety of factors can impact the cost of car insurance, so you may see higher or lower premiums for Hyundai Tucson insurance based on your age, driving history, location or other information.

$2,376 Avg annual full coverage
insurance premium

$797 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): From $28,705

Trims available: SE, SEL, SEL Convenience, XRT and Limited

Repair costs

The Hyundai Tucson comes with fairly low repair costs, but upgrading to a higher trim or adding convenience packages could lead to higher repair costs and increased insurance bills.

Safety features

Base safety features include driver attention warnings, forward collision mitigation and blind-spot monitoring. Hyundai's safety suite is more robust than some competitors', which could lead to a lower rate of accidents, and therefore lower insurance rates.

Crash ratings

The 2025 Hyundai Tucson boasts an Insurance Institute for Highway Safety (IIHS) Top Safety Pick+ designation, making it among the safest vehicles on the road. Insurance companies may assign lower premiums based on the Tucson's safety record.

Cheapest car insurance companies for a Hyundai Tucson

There isn't a single insurance company offering the most competitive rates for all Hyundai Tucson owners. Instead, Tucson drivers will need to compare rates based on their personal information to find the best insurer to fit their needs in terms of price as well as service and availability. Among top-rated providers with national or wide regional reach, the carriers listed below may be among the most affordable on average, according to Bankrate's research.

How much does it cost to insure my Hyundai Tucson?

The exact cost of Hyundai Tucson insurance varies from person to person and from carrier to carrier. The companies below are among the cheapest insurers for a Hyundai Tucson.

2023 Hyundai Tucson car insurance premium by carrier


Auto-Owners	$1,719	- $657
Nationwide	$1,668	- $708
Progressive	$1,759	- $617
Geico	$1,906	- $470
Travelers	$1,970	- $406

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Hyundai Tucson

While a standard full coverage policy may provide all the coverage you need, it's important to review your insurance needs before selecting a policy. You may want to work with a licensed insurance professional and consider some of the following coverage types:

High liability limits: Raising your liability limits typically adds a small amount to your overall premium, but it can drastically reduce your financial burden in the event of an at-fault accident.
Gap insurance: If your Tucson is financed, adding this coverage can help to protect your investment by covering the difference between your loan balance and the insurance payout if the Tucson is stolen or totaled shortly after purchase.
Rental reimbursement: Adding rental reimbursement to your policy may help to offset the cost of a rental car if your Tucson is in the shop following a covered loss.

How to get a Hyundai Tucson car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Hyundai Tucson with other similar cars

Hyundai Tucson Hybrid Avg annual full coverage premium $2,376 Read More	Toyota RAV4 Avg annual full coverage premium $2,391 Read More	Honda CR-V Avg annual full coverage premium $2,251 Read More
Price (MSRP)
$28,705	$29,250	$30,920
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
25-33 mpg	27-35 mpg	28-34 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average	Better than average	Substantially better than average

Frequently asked questions

Average insurance rates for a 2023 Hyundai Tucson are below the national average at $2,381 per year for full coverage and $800 per year for minimum coverage. However, insurance rates for older models may be higher due to theft risk for certain models manufactured between 2011 and 2021.
In recent years, the cost of Hyundai insurance has shot up due to increased theft rates associated with certain model years. For some Hyundai models manufactured between 2011 and 2021, the lack of anti-theft immobilizers created an easy loophole for would-be car thieves, resulting in a huge spike in thefts and a resulting increase in the cost of insurance coverage. However, Hyundai has put new measures in place to reduce theft risk, which may in turn mean more affordable coverage even for older Hyundai models.
If you're paying $200 a month for car insurance, you're paying less than the national average of $223 per month for full coverage. For state minimum coverage, however, $200 a month is a fairly high rate.

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

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

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.
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.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
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.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
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.