Best Car Insurance for Hyundai 2022

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Hyundai started business in 1967 and ever since has strived for the top. In fact, Hyundai today is the 4th largest automaker in the world. With such a large range of cars, Hyundai is bound to fit any budget and give you all the features you desire. Now you may be asking yourself how much it will cost you to insure your Hyundai.

The average Hyundai driver spends $1,863 annually on auto insurance. But did you know the model of your car could affect the price you pay for car insurance? The Azera GLS costs less to insure than the Veloster Base, which costs $1,867/year more.

Here's what drivers pay when they switch with Carlay

Here are some Carlay customers who saved big money when insuring with us.

Quote Date Car City, State Zip Code Age Carrier BeforeCarlay AfterCarlay
March 14, 2022 Hyundai Elantra SE Apex, NC 27539 39 Progressive $180/mo. $81/mo.
July 14, 2022 Hyundai Elantra SE Tower City, PA 17980 25 Dairyland $279/mo. $88/mo.
June 10, 2022 Hyundai Accent SE Houston, TX 77063 52 Mercury $300/mo. $157/mo.
September 8, 2022 Hyundai Elantra SEL Deerfield Beach, FL 33442 22 Progressive $330/mo. $163/mo.
December 22, 2022 Hyundai Accent SE Dubuque, IA 52001 21 Progressive $289/mo. $243/mo.

Best insurance carriers for your Hyundai

When purchasing car insurance, your personal profile and driving history are taken into account, along with the location where you live. How much you pay for car insurance depends on the factors considered by each individual company. This is because different insurers use different methods for calculating rates.

The car insurance company with the most affordable annual premiums for Hyundai vehicles is Aspire Advantage, costing only $1,271 annually.

Companies that Hyundai has partnered with for vehicle manufacturing include the following:

If you have a good track record with your insurance provider, Nationwide may offer lower rates than the competition. Their website and mobile app are user friendly, and they offer ample opportunities to save. They also have an A-grade Better Business Bureau rating and 4.6/5 rating from Carlay, which is more than many major providers can say.

Progressive is a great option for drivers who want the convenience of purchasing insurance from an app and are looking for customizable, low-risk coverage options. This company's tech-forward approach to insurance is a good fit for drivers of all kinds. Progressive has strong financials, offers a wide variety of coverages, and provides great discounts. Progressive is rated a 4.6 on a scale of 5 from Carlay.

If you're considered a high-risk driver, the first place to look for auto insurance is Kemper. While being an expensive option in general, Kemper is especially onerous for high-risk drivers who have accidents, tickets, or other proof of criminal activity but are still good drivers. With a 4.3/5 rating from Carlay, you can be sure that Kemper will provide the best customer service for your needs as a high-risk driver. Plus they file SR22 forms.

If you're like most Americans, the new car smell was always a major part of the joy of buying a car. That's why it's exciting to drive in an expertly ensured car—every day you'll know that you're helping to protect your investment by driving in safety. And if something unexpected happens, we've got your back. With 24/7 roadside assistance and our claims-free cashback program that gives you a small refund for every 6 months that you remain claims-free, Safeco has all your aftermarket insurance needs covered. Carlay gave Safeco a 4.5/5 rating because of its many perks.

Allstate is one of the most well-known carriers in the insurance industry, offering some great digital features to help provide more peace of mind. Using their mobile app, you can get an insurance quote and contact an agent directly; their website provides real-time live updates when logging a claim or checking your payment status. With Allstate, you know that you're working with a top-quality provider. Carlay states Allstate gets 4.5/5 stars.

Travelers is an auto insurance company that offers a variety of discounts, products, and services to help you find the best policy for your needs. Some of these features include excellent rates for safe drivers, road assistance coverage, new car coverage and gap insurance, and more. arlay gives Travelers a 4.7 out of 5 ratings.

State Auto is one of the few companies that offers every type of coverage you might need. That means you'll have a better chance of paying less than with some services, even if you're new to car insurance. You can get coverage just for your car, or add a policy for your bike and even your home, for top-notch protection wherever you go. State Auto earns 4.1 out of 5 stars.

If you're willing to let your driving record speak for you, then a high-risk auto insurance company like National General might be the right insurer. With the company's claims satisfaction guarantee, it has a lot of confidence in its ability to protect you from accidents. National General offers discounts for drivers who go over their state's mandated minimum coverage, and good grades can earn you money back just for being a safe driver. Carlay gives National General a solid rating of 4.1/5.

Dairyland offers high-risk drivers specialized insurance options and flexible payment plans. If you live in one of the states that Dairyland serves, you'll have 24/7 live claims support to help get you back on the road as quickly as possible if you ever need it. Plus, Dairyland has achieved a 4.6/5 rating from Carlay — meaning they're well liked by their customers.

Whether you're at home or on the go, technology has made it easy to access your insurance company. Through the Clearcover app, get a quote or pay your bill instantly, and even request roadside assistance. With its easily accessible app, great customer service and affordable rates, it's no wonder that Clearcover is talked about so much! Carlay gives Clearcover a rating of 4.1 out of 5.

A single driver can get very different rates from auto insurers. If you want to get the best policy and premium, you'll need to compare quotes. When it comes to insurance, remember that lower prices don't always translate to better coverage. You may want to review your policy and make sure you're not giving up coverage you really need to save a bit of cash.

Most insurance companies offer online quotes, so you can visit their website, fill out a form, and get your rate in minutes. However, if you've ever done this before, you know how tedious it is to fill out forms and wait for the quotes to arrive.

Carlay helps you to shop for insurance by allowing you to compare policies from multiple companies. Through Carlay, you can get competitive quotes from top providers in less than a minute. And it gathers your information from your past insurer, so you're not responsible for any long forms or phone calls. Basically, you get all of the savings, with none of the hassle.

Carlay reviews your policy every six months, so you can count on that excellent coverage at a great price.

Rank Company name Avg. Annual Premium
1 Aspire Advantage $1,270.91
2 Nationwide $1,684.71
3 Mapfre $1,688.11
4 Kemper $1,762.47
5 State Auto $1,844.32

Carlay is the smartest and easiest way to compare quotes from a range of insurers so you can find the policy that best suits your needs.

Cost of insuring a Hyundai

The average annual premium for a Hyundai is about $1,721 for minimum car insurance and about $2,576 for full coverage insurance. When you compare insurance companies, consider coverage and costs, and choose wisely. The average motorist pays $1,783 per year for liability coverage and $2,485 for comprehensive and collision coverage.

Each state has different insurance requirements, but your Hyundai dealer can help you understand which is the best coverage for you and your needs. States typically require the following types of insurance:

Coverage type Protection offered
Bodily injury liability (per person and per accident) Pays for the costs associated with the injuries you've caused to others
Property damage liability (per accident) Pays for the costs associated with damage you cause to other people's vehicles or property
Uninsured motorist protection (per person and per accident) Applies when a car accident isn't your fault but the at-fault driver doesn't have liability insurance to pay for your injuries or property damage
Underinsured motorist protection (per person and per accident) Applies when the at-fault driver has liability insurance, but it isn't enough to cover your injuries or property damage
Personal injury protection (per person and per accident) Pays for your own medical expenses after a car accident

It's important to note that the safety equipment outlined in this booklet is required only for Hyundai vehicles. To be on the safe side, you may want to consider buying additional insurance on your Hyundai since you can afford it.

The damage and medical bills resulting from a relatively minor accident can total in the thousands of dollars. When you're liable for damages but don't have enough insurance coverage, you might be responsible for the costs out of pocket.

When you lease or finance your Hyundai, you may be required to purchase full-coverage insurance. Another option is full-coverage insurance, which will cover the cost of replacing your vehicle in the event of a total loss. Most drivers choose to purchase full coverage, which includes bothcollision insurance and comprehensive insurance, in addition to the liability insurance mandated by state law.

Coverage type Protection offered
Collision Applies if you get into a collision with someone else's vehicle or an object
Comprehensive Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism

These are the insurance options for a Hyundai with minimum coverage and full coverage before and after switching with Carlay.

All Coverage BeforeCarlay All Coverage AfterCarlay Minimum Coverage BeforeCarlay Minimum Coverage AfterCarlay Full Coverage BeforeCarlay Full Coverage AfterCarlay
Hyundai $2,470 $1,690 $2,440 $1,395 $2,534 $1,873
All Coverage BeforeCarlay $2,470
All Coverage AfterCarlay $1,690
Minimum Coverage BeforeCarlay $2,440
Minimum Coverage AfterCarlay $1,395
Full Coverage BeforeCarlay $2,534
Full Coverage AfterCarlay $1,873

When it comes to car insurance, the younger the driver, the higher the rate. It's a rule of thumb that the less experience you have on the road, the more likely you are to find yourself in an accident, and drivers with few years of driving experience will therefore pay higher premiums than those with decades of experience under their belts.

Insurers take traffic violations into consideration when determining rates. Minor infractions may result in a slight increase on your premium, but serious offenses like driving under the influence can lead to a large rate hike and can be on your record for the next ten years.

But there's a bright side. If you continue to drive safely and avoid incidents, you can expect to save money on your car insurance premiums. Here are the average insurance costs for Dodge cars by age group:

The type of car you drive can affect your insurance rate. The reason for this is that different cars have different repair and replacement costs. If you want a more expensive car, the insurance company will charge you more—and you'll pay more in premiums.

Carlay can help you reduce your insurance premiums, no matter what kind of car you drive. Carlay makes it easy to move to a better policy. No sales calls. No pushy sales pitches on the phone. Just an opportunity to choose from a list of options to find the insurance policy that's right for you, whether it's through Carlay itself or one of its trusted partners. Based on research conducted on average Carlay users, you could save $879 a year on car insurance by using Carlay to compare and shop for rates.

If you want to know more about the cost of car insurance for some popular makes, check out these links.

Most and least expensive years of car

When you buy a new car, its value will decrease quickly (a process called depreciation). Thanks to that and other factors, older cars tend to have lower insurance rates than newer ones. Also, when making a car insurance claim, you may be eligible for a discount if you're driving an older model.

Edmunds says that a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. So be sure to buy a car that's affordable to repair or replace if you need to make a claim.

Your insurance company will require you to carry full coverage if you don't own your car. You'll pay more for full coverage than you would for your state's minimum liability coverage. This is why it's important to save up some money and buy a car outright rather than finance or lease one.

Year Average Cost Annual Savings withCarlay
2022 $3,690 $950 Compare Prices
2021 $3,828 $1,811 Compare Prices
2020 $3,843 $1,263 Compare Prices
2019 $3,256 $840 Compare Prices
2018 $3,436 $1,081 Compare Prices
2017 $3,527 $1,038 Compare Prices
2016 $3,131 $933 Compare Prices
2015 $3,535 $1,115 Compare Prices
2014 $3,298 $1,095 Compare Prices
2013 $3,021 $1,037 Compare Prices
2012 $3,327 $1,165 Compare Prices
2011 $3,264 $1,262 Compare Prices
2010 $2,742 $900 Compare Prices
2009 $2,658 $912 Compare Prices
2008 $2,284 $705 Compare Prices
2007 $3,328 $1,298 Compare Prices
2006 $2,591 $803 Compare Prices
2005 $1,885 $580 Compare Prices
2004 $2,202 $696 Compare Prices
2003 $2,523 $943 Compare Prices
2002 $1,464 $351 Compare Prices
2001 $2,784 $880 Compare Prices
2000 $1,616 $208 Compare Prices
1999 $2,602 $848 Compare Prices
1997 $3,588 $1,544 Compare Prices

Because older Hyundais tend to be less expensive than newer models—they may not be leased or financed and are therefore less likely to be involved in an accident—they also tend to have cheaper insurance rates.

You can do your part to avoid high insurance rates by living in a city or neighborhood with low crime rates. But there are other factors you can control, including where you park your car and how much you drive. In general, if you're considering buying a home with a garage or carport, it's probably best to look elsewhere.

When you buy car insurance, one of the factors your insurer will consider is how risky it is for them in your city. If car theft is more common, for example, you can expect to pay more for your coverage.

Hyundais are regularly driven in major metropolitan areas across the country, including Holiday, Atlanta, Jacksonville, Smithfield, and San Antonio. If you are a Carlay driver, the cheapest car insurance is in Elkin (NC) and Kittanning (PA). The most expensive car insurance for Carlay drivers is in Vernon (CT) and Windber (PA).

City Average Cost Annual Savings withCarlay
Atlanta $4,200 $1,061 Compare Prices
Charlotte $2,870 $1,367 Compare Prices
Dallas $3,038 $1,134 Compare Prices
Holiday $3,891 $765 Compare Prices
Houston $2,881 $958 Compare Prices
Jacksonville $2,710 $548 Compare Prices
Phoenix $2,443 $717 Compare Prices
Richmond $2,491 $929 Compare Prices
San Antonio $2,958 $954 Compare Prices
Smithfield $5,400 $3,759 Compare Prices

Keep in mind that where you live could affect your insurance rates. If you live in a place with a lot of theft or severe weather, it might be worth paying a little more upfront to protect your car.