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.

The average insurance prices for a Hyundai Tucson are $1,256 every 12 months with full coverage. Comprehensive insurance costs approximately $250, collision costs $418, and liability costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing $2,712 or more. Teenage drivers cost the most to insure at $4,794 a year or more.

Average premium for full coverage: $1,256

Policy rates by type of insurance:

Comprehensive $250
Collision $418
Liability $430

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Tucson models.

Price Range Variability

For the average driver, Hyundai Tucson insurance rates go from the cheapest price of $486 for your basic liability-only policy to the much higher price of $2,712 for a driver required to buy high-risk insurance.

Liability Only $486
Full Coverage $1,256
High Risk $2,712

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

The examples above demonstrate why everyone should compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

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.

More Rate Information

The chart below details estimated Hyundai Tucson insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $734
  • Drivers who choose higher $1,000 deductibles will pay $152 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,256
  • Using pricier low deductibles for comprehensive and collision insurance costs an extra $296 annually
  • Drivers who are prone to accidents and violations could pay around $2,712 or more
  • Policy cost to insure a 16-year-old driver for full coverage can cost $4,794 a year

View Chart as Image

Hyundai Tucson insurance cost comparison chart
Column chart showing full coverage Hyundai Tucson insurance prices range from $734 to $4,794

Car insurance rates for a Hyundai Tucson also range considerably based on liability limits and deductibles, your driving record, and the model of your Tucson.

Using high physical damage deductibles could save up to $450 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. Hyundai Tucson insurance for high-risk drivers can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Hyundai Tucson insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,700 on average in New York, Michigan, and Florida.

Hyundai Tucson Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,136 -$120 -9.6%
Alaska $964 -$292 -23.2%
Arizona $1,044 -$212 -16.9%
Arkansas $1,256 -$0 0.0%
California $1,432 $176 14.0%
Colorado $1,202 -$54 -4.3%
Connecticut $1,294 $38 3.0%
Delaware $1,424 $168 13.4%
Florida $1,572 $316 25.2%
Georgia $1,160 -$96 -7.6%
Hawaii $902 -$354 -28.2%
Idaho $850 -$406 -32.3%
Illinois $936 -$320 -25.5%
Indiana $948 -$308 -24.5%
Iowa $848 -$408 -32.5%
Kansas $1,196 -$60 -4.8%
Kentucky $1,714 $458 36.5%
Louisiana $1,862 $606 48.2%
Maine $774 -$482 -38.4%
Maryland $1,038 -$218 -17.4%
Massachusetts $1,006 -$250 -19.9%
Michigan $2,184 $928 73.9%
Minnesota $1,052 -$204 -16.2%
Mississippi $1,506 $250 19.9%
Missouri $1,116 -$140 -11.1%
Montana $1,352 $96 7.6%
Nebraska $992 -$264 -21.0%
Nevada $1,506 $250 19.9%
New Hampshire $906 -$350 -27.9%
New Jersey $1,406 $150 11.9%
New Mexico $1,112 -$144 -11.5%
New York $1,324 $68 5.4%
North Carolina $724 -$532 -42.4%
North Dakota $1,030 -$226 -18.0%
Ohio $868 -$388 -30.9%
Oklahoma $1,292 $36 2.9%
Oregon $1,152 -$104 -8.3%
Pennsylvania $1,200 -$56 -4.5%
Rhode Island $1,676 $420 33.4%
South Carolina $1,138 -$118 -9.4%
South Dakota $1,062 -$194 -15.4%
Tennessee $1,102 -$154 -12.3%
Texas $1,516 $260 20.7%
Utah $932 -$324 -25.8%
Vermont $862 -$394 -31.4%
Virginia $752 -$504 -40.1%
Washington $972 -$284 -22.6%
West Virginia $1,152 -$104 -8.3%
Wisconsin $872 -$384 -30.6%
Wyoming $1,120 -$136 -10.8%

View Chart as Image

Hyundai Tucson insurance rates by U.S. city

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied.

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 $1,178 $98
Hyundai Tucson GLS 4WD $1,218 $102
Hyundai Tucson Limited 2WD $1,296 $108
Hyundai Tucson Limited 4WD $1,296 $108

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 $250 $418 $430 $1,256
2018 Hyundai Tucson $238 $404 $442 $1,242
2017 Hyundai Tucson $228 $374 $452 $1,212
2016 Hyundai Tucson $218 $352 $456 $1,184
2014 Hyundai Tucson $196 $292 $460 $1,106
2013 Hyundai Tucson $190 $272 $464 $1,084
2012 Hyundai Tucson $184 $254 $474 $1,070
2011 Hyundai Tucson $172 $236 $474 $1,040
2009 Hyundai Tucson $156 $196 $474 $984
2008 Hyundai Tucson $146 $178 $474 $956
2007 Hyundai Tucson $142 $160 $468 $928
2006 Hyundai Tucson $140 $156 $460 $914
2005 Hyundai Tucson $136 $150 $452 $896

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 Shop for Cheaper Hyundai Tucson Insurance

Finding cheaper rates on insurance for a Hyundai Tucson not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Spend time shopping around at every policy renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following items are a condensed summary of the data touched on above.

  • Insureds who purchase additional liability coverage will pay an extra $470 every year to go from a 30/60 limit to a 250/500 level
  • You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $450 each year
  • 16 to 18-year-old drivers pay the highest auto insurance rates, as much as $400 each month if the policy includes 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 $4,794
20 $2,892
30 $1,300
40 $1,256
50 $1,150
60 $1,126

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Tucson Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,552
$250 $1,414
$500 $1,256
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Tucson Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,256
50/100 $1,382
100/300 $1,490
250/500 $1,769
100 CSL $1,425
300 CSL $1,662
500 CSL $1,834

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Tucson Insurance Rates for High Risk Drivers
Age Premium
16 $6,812
20 $4,602
30 $2,762
40 $2,712
50 $2,590
60 $2,566

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $88
5-yr Claim Free $80
Paid in Full/EFT $54
Advance Quote $60
Online Quote $88
Total Discounts $522
Rate after discounts $734

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

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