Hyundai Tucson Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Dec 2, 2021

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When the time comes to find out information about what the overall expense might be for a Hyundai Tucson insurance cost, you may be wondering where to begin. We have prepared this guide to alleviate the stress associated with Hyundai car insurance and getting sacked with insurance rate increases.

This article will give you detailed information about how Hyundai Tucson insurance rates are calculated so you can be confident in your search for the right policy. We will explore how size and class, safety features, MSRP value, and repair estimates all play a part in Hyundai Tucson insurance costs.

Be sure to read through this comprehensive guide to learn everything there is to know about Hyundai Tucson insurance costs, and don’t forget to use our free online tool to start comparing quotes for free.

U.S. average insurance rates for a Hyundai Tucson are $1,242 a year with full coverage. Comprehensive costs on average $238, collision costs $404, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $2,686. Teens pay the highest rates at $4,778 a year or more.

Average premium for full coverage: $1,242

Price estimates by individual coverage:

Comprehensive $238
Collision $404
Liability $442

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Tucson models.

Price Range from Low to High

Using a 40-year-old driver as an example, Hyundai Tucson insurance prices go from as low as $496 for just the minimum liability insurance to the much higher price of $2,686 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $1,242
High Risk $2,686

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $932
Small Cities $1,304
Large Cities $1,677

The ranges above demonstrate why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below details estimated Hyundai Tucson insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $726
  • Choosing higher $1,000 deductibles can save around $146 annually
  • The average rate for the average middle-age driver with $500 deductibles is $1,242
  • Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,522
  • Higher-risk drivers with serious driving violations could pay upwards of $2,686 or more
  • The price for full coverage for a 16-year-old driver for full coverage may cost $4,778 each year

View Chart as Image

Hyundai Tucson insurance cost comparison chart
Column chart showing full coverage Hyundai Tucson insurance rates range from $726 to $4,778

Auto insurance prices for a Hyundai Tucson are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Hyundai Tucson insurance prices. A good driver about age 40 could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,680 on average in Florida, Michigan, and New York.

Hyundai Tucson Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,122 -$120 -9.7%
Alaska $954 -$288 -23.2%
Arizona $1,032 -$210 -16.9%
Arkansas $1,242 -$0 0.0%
California $1,414 $172 13.8%
Colorado $1,186 -$56 -4.5%
Connecticut $1,276 $34 2.7%
Delaware $1,404 $162 13.0%
Florida $1,552 $310 25.0%
Georgia $1,148 -$94 -7.6%
Hawaii $892 -$350 -28.2%
Idaho $840 -$402 -32.4%
Illinois $924 -$318 -25.6%
Indiana $934 -$308 -24.8%
Iowa $836 -$406 -32.7%
Kansas $1,182 -$60 -4.8%
Kentucky $1,694 $452 36.4%
Louisiana $1,840 $598 48.1%
Maine $766 -$476 -38.3%
Maryland $1,026 -$216 -17.4%
Massachusetts $994 -$248 -20.0%
Michigan $2,158 $916 73.8%
Minnesota $1,038 -$204 -16.4%
Mississippi $1,488 $246 19.8%
Missouri $1,100 -$142 -11.4%
Montana $1,334 $92 7.4%
Nebraska $978 -$264 -21.3%
Nevada $1,488 $246 19.8%
New Hampshire $894 -$348 -28.0%
New Jersey $1,388 $146 11.8%
New Mexico $1,100 -$142 -11.4%
New York $1,310 $68 5.5%
North Carolina $714 -$528 -42.5%
North Dakota $1,016 -$226 -18.2%
Ohio $858 -$384 -30.9%
Oklahoma $1,276 $34 2.7%
Oregon $1,138 -$104 -8.4%
Pennsylvania $1,186 -$56 -4.5%
Rhode Island $1,656 $414 33.3%
South Carolina $1,124 -$118 -9.5%
South Dakota $1,048 -$194 -15.6%
Tennessee $1,090 -$152 -12.2%
Texas $1,496 $254 20.5%
Utah $920 -$322 -25.9%
Vermont $850 -$392 -31.6%
Virginia $744 -$498 -40.1%
Washington $962 -$280 -22.5%
West Virginia $1,138 -$104 -8.4%
Wisconsin $860 -$382 -30.8%
Wyoming $1,108 -$134 -10.8%

View Chart as Image

Hyundai Tucson insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. Hyundai Tucson insurance for high-risk drivers ranges from 44% to 135% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer calculates prices differently, and quoted prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Hyundai Tucson Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Tucson GLS 2WD $1,166 $97
Hyundai Tucson GLS 4WD $1,204 $100
Hyundai Tucson Limited 2WD $1,278 $107
Hyundai Tucson Limited 4WD $1,278 $107

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Hyundai Tucson Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Hyundai Tucson $238 $404 $442 $1,242
2018 Hyundai Tucson $228 $374 $452 $1,212
2017 Hyundai Tucson $218 $352 $456 $1,184
2016 Hyundai Tucson $210 $316 $460 $1,144
2014 Hyundai Tucson $190 $272 $464 $1,084
2013 Hyundai Tucson $184 $254 $474 $1,070
2012 Hyundai Tucson $172 $236 $474 $1,040
2011 Hyundai Tucson $166 $214 $478 $1,016
2009 Hyundai Tucson $146 $178 $474 $956
2008 Hyundai Tucson $142 $160 $468 $928
2007 Hyundai Tucson $140 $156 $460 $914
2006 Hyundai Tucson $136 $150 $452 $896
2005 Hyundai Tucson $126 $142 $446 $872

Rates are averaged for all Hyundai Tucson models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Hyundai Tucson Insurance

Getting lower rates on insurance for a Hyundai Tucson takes having a good driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The next list is a brief recap of the data raised in the charts and tables above.

  • Insureds who require increased levels of liability coverage will pay approximately $490 every year to raise limits from a low limit to 250/500 limits
  • You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $425 each year
  • Drivers age 20 and younger are charged the highest prices, costing up to $398 a month if they have full coverage

Now that we have uncovered more information on how Hyundai Tucson insurance rates vary based on the profile of the driver, let’s explore how the details of the car itself factor into Hyundai Tucson insurance costs.

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How does the size and class of the Hyundai Tucson affect liability rates?

If you ever wondered, “Is the Hyundai Tucson an SUV?” the Insurance Institute for Highway Safety (IIHS) classifies the Hyundai Tucson as a small SUV.

Often referred to as crossovers, this vehicle type is perfect for those who are interested in driving an SUV without committing to an extremely large and expensive model.

Speaking of expenses, liability insurance rates by car vary based on the size and class of the model in question. In the case of the Hyundai Tucson, liability insurance rates are favorable since the Hyundai Tucson has a loss ratio of -10 percent for both bodily injury and property damage.

Models that show a negative loss percentage like the Hyundai Tucson are considered to be the cheapest cars to insure because insurance companies do not have to pay out a lot of claims.

Therefore, the Hyundai Tucson should be on your list if you ever found yourself wondering, “What are the cheapest vehicles to insure?” or “What insurance group is a Hyundai Tucson?”

What does liability insurance cost for a Hyundai Tucson?

As mentioned in the previous section, the two types of liability insurance that drivers are legally required to carry are called bodily injury liability and property damage liability.

Bodily injury liability insurance will pay for medical expenses and lost wages for the other driver after an accident that you are responsible for causing.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Hyundai Tucson from low to high coverage.

  • Low ($25,000): $68.30
  • Medium ($50,000): $95.55
  • High ($100,000): $105.96

Property damage liability insurance will pay for any damages sustained by the opposing driver’s property, including their vehicle.

Take a look at the following Hyundai Tucson property damage liability quotes for low to high coverage. Keep in mind that these are itemized costs and the total price you will pay for your policy.

  • Low ($25,000): $143.90
  • Medium ($50,000): $133.77
  • High ($100,000): $132.62

There are plenty of ways to customize your policy, so ask potential insurance providers about having low coverage for one form of liability insurance and higher coverage for the other.

What are the safety features and ratings of the Hyundai Tucson?

When quoting a driver, insurance companies will look at the safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your Hyundai Tucson.

Take a look at the following list of safety features on the Hyundai Tucson with information sourced from U.S. News. All of these features go a long way in lowering Hyundai Tucson insurance costs. 

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Even with safety features included, car crashes still occur, and sometimes they can turn out to be fatal.

The IIHS reports that out of 7,818,479 registered small SUVs, a total of 212 deaths have been incurred as a result of an accident. Broken down, that is a fatality rate of 27 per one million registered drivers.

Beyond vehicle type, fatality statistics vary based on the point of impact from which the crash occurred. Take a look at the following figures to see how some types of crashes are more fatal than others.

  • Frontal Impact: 2,784 deaths  
  • Side Impact: 930 deaths 
  • Rear Impact: 286 deaths
  • Other (mostly rollovers): 1,035 deaths

While fatality statistics can seem alarming, knowing the overall safety of the Hyundai Tucson’s vehicle class is important when shopping for auto insurance.

What is the MSRP of the Hyundai Tucson?

As of the writing of this article, Kelley Blue Book (KBB) reports that a base-level 2020 Hyundai Tucson has a Manufacturer’s Suggested Retail Price (MSRP) of $26,090 with a fair market value between $23,811 and $25,534.

Different model years of the Hyundai Tucson can amount to different insurance rates, and one year can make a big difference. Plenty of drivers want to know about the Hyundai Tucson 2019 insurance group to see how it compares to the 2020.

This is important to know because the Hyundai Tucson cost to own is tied directly to the amount you can expect to pay for full coverage. The two most basic forms of full coverage that will protect the value of your Hyundai Tucson are collision and comprehensive insurance.

  • Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
  • Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

The IIHS reports that the Hyundai Tucson reflects a collision loss ratio of -20  percent and a comprehensive loss ratio of -26  percent. For some perspective, that is considered well above average for its vehicle class.

Knowing this type of information is helpful when comparing insurance rates between different models. For example, if you were curious about Hyundai Kona insurance cost or ever asked, “Are Mazdas expensive to insure?” you will know after reviewing loss ratio data.

How much will it cost to repair my Hyundai Tucson?

If you ever found yourself asking, “Is the Hyundai Tucson expensive to maintain?” then you are not alone.

Experts from RepairPal suggest that the annual cost of repairs for a Hyundai Tucson is $426 per year. That includes both regularly scheduled maintenance in addition to major repair work.

In the event that you get into an accident and need to fix a certain part of the Hyundai Tucson, your repair bill can look different based on what needs to be repaired. Take a look at the following Hyundai repair estimates with info from Instant Estimator:

  • Front Bumper: $412.60
  • Rear Bumper: $422.60
  • Hood: $389.40
  • Roof: $476.20
  • Front Door: $389.20
  • Back Door: $377.80
  • Fender: $352.20
  • Quarter Panel: $364.60

Now that we have gone into great detail about Hyundai Tucson insurance costs, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing quotes from multiple providers today.

Rates by Driver Age

Hyundai Tucson Insurance Rates by Driver Age
Driver Age Premium
16 $4,778
20 $2,862
30 $1,284
40 $1,242
50 $1,138
60 $1,114

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Tucson Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,522
$250 $1,392
$500 $1,242
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Tucson Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,242
50/100 $1,366
100/300 $1,477
250/500 $1,764
100 CSL $1,411
300 CSL $1,654
500 CSL $1,831

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Tucson Insurance Rates for High Risk Drivers
Age Premium
16 $6,786
20 $4,560
30 $2,732
40 $2,686
50 $2,566
60 $2,542

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $80
Paid in Full/EFT $53
Advance Quote $59
Online Quote $87
Total Discounts $516
Rate after discounts $726

Discounts are estimated and may not be available from every company or in every state.

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