Hyundai Azera 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: Jun 3, 2023

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The average auto insurance rates for a Hyundai Azera are $958 annually for full coverage insurance. Comprehensive costs on average $150 each year, collision costs $198, and liability costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,058. Teens cost the most to insure at $3,886 a year or more.

Average premium for full coverage: $958

Policy rates by type of insurance:

Comprehensive $150
Collision $198
Liability $452

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Azera models.

Price Range Variability

For a driver in their 40's, Hyundai Azera insurance rates go from as cheap as $504 for just liability coverage to a high rate of $2,058 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $958
High Risk $2,058

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine car insurance rates.

Rural Areas $719
Small Cities $1,006
Large Cities $1,293

The examples above illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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.

Detailed Rate Analysis

The chart below illustrates estimated Hyundai Azera insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $585
  • Drivers who choose higher $1,000 deductibles will pay around $80 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $958
  • Selecting low deductibles for comprehensive and collision insurance will cost $1,108
  • Higher-risk drivers with serious driving violations could pay upwards of $2,058 or more
  • Policy cost with full coverage for a teen driver may cost $3,886 a year

View Chart as Image

Hyundai Azera insurance cost comparison chart
Column chart showing full coverage Hyundai Azera insurance rates range from $585 to $3,886

Car insurance rates for a Hyundai Azera also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $230 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Hyundai Azera insurance prices. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,300 on average in Michigan, New York, and Florida.

Hyundai Azera Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $868 -$90 -9.4%
Alaska $734 -$224 -23.4%
Arizona $794 -$164 -17.1%
Arkansas $958 -$0 0.0%
California $1,090 $132 13.8%
Colorado $914 -$44 -4.6%
Connecticut $986 $28 2.9%
Delaware $1,084 $126 13.2%
Florida $1,198 $240 25.1%
Georgia $884 -$74 -7.7%
Hawaii $688 -$270 -28.2%
Idaho $648 -$310 -32.4%
Illinois $714 -$244 -25.5%
Indiana $720 -$238 -24.8%
Iowa $646 -$312 -32.6%
Kansas $910 -$48 -5.0%
Kentucky $1,308 $350 36.5%
Louisiana $1,418 $460 48.0%
Maine $590 -$368 -38.4%
Maryland $790 -$168 -17.5%
Massachusetts $766 -$192 -20.0%
Michigan $1,666 $708 73.9%
Minnesota $802 -$156 -16.3%
Mississippi $1,148 $190 19.8%
Missouri $848 -$110 -11.5%
Montana $1,028 $70 7.3%
Nebraska $756 -$202 -21.1%
Nevada $1,150 $192 20.0%
New Hampshire $692 -$266 -27.8%
New Jersey $1,072 $114 11.9%
New Mexico $848 -$110 -11.5%
New York $1,010 $52 5.4%
North Carolina $552 -$406 -42.4%
North Dakota $784 -$174 -18.2%
Ohio $664 -$294 -30.7%
Oklahoma $984 $26 2.7%
Oregon $878 -$80 -8.4%
Pennsylvania $914 -$44 -4.6%
Rhode Island $1,278 $320 33.4%
South Carolina $868 -$90 -9.4%
South Dakota $808 -$150 -15.7%
Tennessee $838 -$120 -12.5%
Texas $1,156 $198 20.7%
Utah $710 -$248 -25.9%
Vermont $656 -$302 -31.5%
Virginia $574 -$384 -40.1%
Washington $742 -$216 -22.5%
West Virginia $878 -$80 -8.4%
Wisconsin $664 -$294 -30.7%
Wyoming $854 -$104 -10.9%

View Chart as Image

Hyundai Azera insurance rates by U.S. city

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

Hyundai Azera Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Azera GLS 4-Dr Sedan $942 $79
Hyundai Azera Limited 4-Dr Sedan $964 $80

Rates assume 2006 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 Azera Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Hyundai Azera $202 $340 $474 $1,174
2012 Hyundai Azera $186 $316 $474 $1,134
2006 Hyundai Azera $150 $198 $452 $958

Rates are averaged for all Hyundai Azera models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheap Hyundai Azera Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and maximizing policy discounts. Invest time comparing rates at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a brief summary of the primary concepts that were covered in the charts and tables above.

  • It is possible to save as much as $110 per year simply by quoting online in advance
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,100 more each year for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $225 each year
  • Teenage drivers are expensive to insure, possibly costing $324 each month if comprehensive and collision insurance is included

Rates by Driver Age

Hyundai Azera Insurance Rates by Driver Age
Driver Age Premium
16 $3,886
20 $2,194
30 $972
40 $958
50 $880
60 $862

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Azera Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,108
$250 $1,040
$500 $958
$1,000 $878

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Azera Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $958
50/100 $1,054
100/300 $1,167
250/500 $1,461
100 CSL $1,100
300 CSL $1,348
500 CSL $1,529

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Azera Insurance Rates for High Risk Drivers
Age Premium
16 $5,466
20 $3,494
30 $2,072
40 $2,058
50 $1,970
60 $1,952

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 $127

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $41
Online Quote $64
Total Discounts $373
Rate after discounts $585

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

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