Hyundai Azera Insurance Rates

The average auto insurance rates for a Hyundai Azera are $1,030 annually including full coverage. Comprehensive insurance costs an estimated $160, collision costs $238, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,222 or more. Teenage drivers cost the most to insure at $4,156 a year or more.

Average premium for full coverage: $1,030

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Azera trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down estimated Hyundai Azera insurance rates for other coverage scenarios.

• The best discount rate is $621
• Raising to $1,000 deductibles will save approximately $90 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,030
• Using more expensive low deductibles costs an additional $172 annually
• Drivers who are prone to accidents and violations could pay up to $2,222 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $4,156

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Insurance rates for a Hyundai Azera also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,200 to $1,800 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $270 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Hyundai Azera insurance prices. A middle-age driver might find rates as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,470 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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.

How to Buy the Best Cheap Hyundai Azera Insurance

Finding cheaper rates on insurance for a Hyundai Azera consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a quick review of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,190 more annually for auto insurance
• You may be able to save approximately $120 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Insureds who want higher levels of liability will pay an extra $520 per year to raise from a 30/60 limit to higher 250/500 limits