2020 Hyundai Tucson Insurance Rates

Average insurance rates for a 2020 Hyundai Tucson are $1,280 a year for full coverage. Comprehensive costs an estimated $280, collision insurance costs $452, and liability coverage costs $390. Buying a liability-only policy costs as little as $452 a year, and high-risk insurance costs around $2,750. Teen drivers receive the highest rates at up to $4,778 a year.

Annual premium for full coverage: $1,280

Rate estimates for 2020 Hyundai Tucson Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2020 Hyundai Tucson 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

View Chart as Image

These differences show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Consumers have many options when looking for affordable Hyundai Tucson insurance. They can either spend hours driving around to compare prices or utilize the internet to compare rates.

There are both good and bad ways to find insurance coverage online so you’re going to learn the absolute fastest way to compare rates on a Hyundai and obtain the lowest price either online or from local insurance agents.

Get lower rates with these car insurance discounts

Car insurance is not cheap, but there could be significant discounts that can dramatically reduce your bill. A few discounts will be applied when you quote, but a few must be requested specifically before you will receive the discount.

• Seat Belts Save – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
• Safe Driver Discounts – Accident-free drivers may save up to 50% more for Tucson insurance compared to rates paid by drivers with frequent claims.
• Driver Education Discount – Require your teen driver to complete a driver education course in school or through a local driver safety program.
• Early Renewal Discounts – Some companies provide a discount for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.
• Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote auto insurance for Tucson insurance depending on your company.
• Defensive Driver – Taking a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.

We need to note that some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. Even though it appears you could get a free car insurance policy, insurance companies wouldn’t stay in business. But any discount will help lower the cost of your policy.

A list of companies and some of their more popular discounts can be found below.

• State Farm includes discounts for Steer Clear safe driver discount, driver’s education, good student, Drive Safe & Save, and student away at school.
• Farmers Insurance may offer discounts for early shopping, electronic funds transfer, teen driver, bundle discounts, pay in full, and homeowner.
• GEICO policyholders can earn discounts including driver training, military active duty, emergency military deployment, defensive driver, multi-policy, anti-theft, and good student.
• American Family offers premium reductions for good student, defensive driver, multi-vehicle, air bags, and good driver.
• Nationwide has savings for Farm Bureau membership, multi-policy, defensive driving, accident-free, and anti-theft.
• Progressive has discounts for good student, continuous coverage, multi-vehicle, online signing, homeowner, online quote discount, and multi-policy.

When getting a coverage quote, ask every company how you can save money. A few discounts may not apply to policies in your state.

Where can I get affordable car insurance?

There are a lot of ways you can shop for car insurance but one way is less time-consuming than others. You could spend your day driving to local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Many of the larger companies belong to an insurance system that enables customers to complete one form, and every company returns a rated price for coverage. This eliminates the need for quote requests for each company you want a rate for. To compare rates using this form now enter your zip code here.

The only drawback to comparing rates this way is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you want to select individual companies to compare, we put together a list of companies who write car insurance in your area. Click to enter zip code.

However you get your quotes, make sure you use exactly the same coverages and limits on every price quote you get. If each company quotes different limits and deductibles on each one it will be very difficult to make a fair rate comparison.

Insurance coverage can get complicated

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

• What is the ISO rating for a 2020 Hyundai Tucson?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered when driving a rental car?
• Do I need rental car coverage?
• What is covered by UM/UIM coverage?
• Is my cargo covered for damage or theft?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, complete your zip code. It’s fast, free and you can get the answers you need.

Insurance coverages 101

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Hyundai Tucson.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses like surgery, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This will pay to fix damage to your Tucson resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, rolling your car, hitting a parking meter, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects, medical services and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, damage from flooding, damage from getting keyed, falling objects and fire damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

A penny earned…

Some companies don’t offer price quotes online and usually these small insurance companies provide coverage only through local independent agents. Cheaper auto insurance can be purchased from both online companies and with local insurance agents, so you should compare both to get a complete price analysis.

We just showed you a lot of techniques to shop for 2020 Hyundai Tucson insurance online. The key concept to understand is the more you quote auto insurance, the higher the chance of saving money. You may be surprised to find that the lowest premium rates come from a lesser-known regional company.

People who switch companies do it for a number of reasons such as denial of a claim, delays in paying claims, delays in responding to claim requests or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new auto insurance company can be easy and end up saving you some money.

Helpful learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Five Mistakes to Avoid (Insurance Information Insitute)