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2012 Hyundai Veracruz Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 3, 2020

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Average insurance rates for a 2012 Hyundai Veracruz are $1,070 a year for full coverage insurance. Comprehensive insurance costs approximately $214 a year, collision insurance costs $330, and liability coverage costs around $390. Buying a liability-only policy costs as low as $438 a year, and high-risk insurance costs $2,304 or more. Teenage drivers receive the highest rates at up to $4,098 a year.

Annual premium for full coverage: $1,070

Rate estimates for 2012 Hyundai Veracruz Insurance

Comprehensive $214
Collision $330
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Hyundai Veracruz models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $438 for the bare minimum liability coverage to a high of $2,304 for a driver that may need high-risk insurance.

Liability Only $438
Full Coverage $1,070
High Risk $2,304

View Chart as Image

2012 Hyundai Veracruz insurance rates compared
Column chart showing 2012 Hyundai Veracruz insurance prices range from $630 to $4,098 for full coverage

These differences illustrate why it is important for drivers to compare prices using their specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2012 Hyundai Veracruz Insurance

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Having to pay for overpriced Hyundai Veracruz insurance can take a big chunk out of your checking account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Many insurers compete for your business, so it’s not easy to compare every insurer and get the best coverage at the lowest price

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Choosing the best insurance company for you is quite easy. Although vehicle owners need to have an understanding of the way insurance companies sell insurance online and take advantage of how the system works.

Hyundai Veracruz rates are complex

An important part of buying insurance is that you know the different types of things that come into play when calculating insurance coverage rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in lower insurance coverage prices.

The list below includes some of the items companies use to determine premiums.

  • Men fork out a little more – Statistics demonstrate that women are safer drivers than men. However, don’t assume that men are worse drivers. Both sexes tend to get into accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.
  • High deductibles save money – Physical damage deductibles represent how much money you are required to spend out-of-pocket before your insurance coverage pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. The more you have to pay, the less your company will charge you for insurance on Veracruz insurance.
  • Rate your vehicle for proper use – The more you drive in a year’s time the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. An improperly rated Veracruz may be wasting your money. Ask your agent if your insurance coverage policy is showing the correct driver usage.
  • Multi-policy discounts can save money – Some companies provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to shop around to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.
  • Being married is a good thing – Being married can actually save you money on insurance coverage. Marriage usually means you are more mature and it’s proven that drivers who are married are more cautious.

Vehicle Insurance Comparison

To find the best car insurance prices, there are several ways of comparing rate quotes from different insurance companies. The fastest way to find the cheapest 2012 Hyundai Veracruz insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way to find low rates would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate forms for every car insurance company. Taking the time to complete one form gets you coverage quotes instantly.
  2. A more time consuming way to compare rate quotes is going to the website of each company to request a price quote. For example, we’ll assume you want to compare Allstate, State Farm and American Family. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples quote information on every quote. If you have different values for each quote then you won’t be able to find the best deal for your Hyundai Veracruz. Quoting even small variations in insurance coverages may cause a big price difference. It’s important to know that comparing more company’s prices helps you find the best offered rates.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but a few must be requested specifically before you will receive the discount.

  • Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • No Accidents – Drivers who don’t have accidents pay less compared to drivers who are more careless.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Veracruz insurance than drivers with accident claims.
  • Drivers Education – Have your child take driver’s ed class if offered at their school.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Veracruz insurance with a few auto insurance companies.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.

It’s important to note that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut your overall premium however.

To see a list of insurers with discount auto insurance rates, click here.

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Your personal situation dictates your coverage

When choosing the best car insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • When should my teen driver be added to my policy?
  • What is an SR-22 filing?
  • Will my rates increase for filing one claim?
  • How can I get high-risk coverage after a DUI?
  • What is high-risk coverage and where do I buy it?
  • Is my nanny covered when driving my vehicle?
  • What can I do if my company denied a claim?
  • How do I buy GAP insurance?
  • How can I get my company to pay me more for my totalled car?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a Hyundai Veracruz

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by car insurance companies.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses such as dental work, surgery, hospital visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage – This pays for damage to your Veracruz from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability – This will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, legal defense fees, loss of income and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2012 Hyundai Veracruz.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive car insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, hitting a bird, damage from flooding, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

The bottom line

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. Too many times, an insured cut uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

We just covered some good ideas how you can compare 2012 Hyundai Veracruz insurance prices online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

Other learning opportunities

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Hyundai Veracruz Insurance Rates by City
City Premium
New York City, NY $1,692
Los Angeles, CA $1,830
Philadelphia, PA $1,425
Jacksonville, FL $1,550
Phoenix, AZ $1,243
Chicago, IL $1,436
Houston, TX $1,677
Seattle, WA $1,041
Columbus, OH $893
Indianapolis, IN $911

Need a specific model?

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Rates by Driver Age

2012 Hyundai Veracruz Insurance Rates by Driver Age
Driver Age Premium
16 $4,098
20 $2,448
30 $1,106
40 $1,070
50 $980
60 $960

Full coverage, $500 deductibles

Rates by Deductible

2012 Hyundai Veracruz Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,308
$250 $1,198
$500 $1,070
$1,000 $946

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Veracruz Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,070
50/100 $1,148
100/300 $1,246
250/500 $1,499
100 CSL $1,187
300 CSL $1,402
500 CSL $1,558

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Hyundai Veracruz Insurance Rates for High Risk Drivers
Age Premium
16 $5,818
20 $3,898
30 $2,346
40 $2,304
50 $2,200
60 $2,178

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $56
Homeowner $17
5-yr Accident Free $73
5-yr Claim Free $68
Paid in Full/EFT $45
Advance Quote $50
Online Quote $75
Total Discounts $440
Rate after discounts $630

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

Find companies with the cheapest rates in your area

2012 Hyundai Veracruz Insurance Rates by State
State Premium
Alabama $968
Alaska $820
Arizona $888
Arkansas $1,070
California $1,220
Colorado $1,020
Connecticut $1,098
Delaware $1,208
Florida $1,336
Georgia $990
Hawaii $768
Idaho $726
Illinois $798
Indiana $806
Iowa $720
Kansas $1,018
Kentucky $1,460
Louisiana $1,584
Maine $662
Maryland $882
Massachusetts $854
Michigan $1,856
Minnesota $898
Mississippi $1,280
Missouri $950
Montana $1,148
Nebraska $842
Nevada $1,284
New Hampshire $772
New Jersey $1,196
New Mexico $946
New York $1,128
North Carolina $618
North Dakota $878
Ohio $738
Oklahoma $1,098
Oregon $980
Pennsylvania $1,018
Rhode Island $1,428
South Carolina $970
South Dakota $902
Tennessee $936
Texas $1,290
Utah $792
Vermont $732
Virginia $640
Washington $826
West Virginia $980
Wisconsin $738
Wyoming $952

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