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...

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UPDATED: Jun 3, 2023

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The average insurance prices for a Hyundai Azera are $978 every 12 months including full coverage. Comprehensive insurance costs an estimated $152, collision insurance costs $208, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $2,106 or more. Teens cost the most to insure at up to $3,970 a year.

Average premium for full coverage: $978

Policy rates broken down by type of insurance:

Comprehensive $152
Collision $208
Liability $460

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Azera trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Hyundai Azera insurance rates range from the cheapest price of $510 for liability-only coverage to a much higher rate of $2,106 for a high-risk insurance policy.

Liability Only $510
Full Coverage $978
High Risk $2,106

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $734
Small Cities $1,027
Large Cities $1,320

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than 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.

Additional Charts and Tables

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

  • The cheapest rate after discounts is $595
  • Choosing higher $1,000 deductibles can save approximately $82 every year
  • The average price for a good driver age 40 who has $500 deductibles is $978
  • Selecting more expensive low deductibles for comp and collision coverage costs an extra $156 each year
  • Drivers with serious driving violations could pay up to $2,106
  • Policy cost to insure a teenage driver with full coverage can cost as much as $3,970 each year

View Chart as Image

Hyundai Azera insurance cost comparison chart
Column chart showing Hyundai Azera insurance prices range from $595 to $3,970 for full coverage

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $240 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance ranges around 43% to 136% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Hyundai Azera insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,400 on average in Louisiana, New York, and Michigan.

Hyundai Azera Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $886 -$92 -9.4%
Alaska $750 -$228 -23.3%
Arizona $812 -$166 -17.0%
Arkansas $978 -$0 0.0%
California $1,116 $138 14.1%
Colorado $936 -$42 -4.3%
Connecticut $1,006 $28 2.9%
Delaware $1,108 $130 13.3%
Florida $1,224 $246 25.2%
Georgia $902 -$76 -7.8%
Hawaii $704 -$274 -28.0%
Idaho $664 -$314 -32.1%
Illinois $730 -$248 -25.4%
Indiana $736 -$242 -24.7%
Iowa $658 -$320 -32.7%
Kansas $930 -$48 -4.9%
Kentucky $1,336 $358 36.6%
Louisiana $1,448 $470 48.1%
Maine $604 -$374 -38.2%
Maryland $808 -$170 -17.4%
Massachusetts $784 -$194 -19.8%
Michigan $1,700 $722 73.8%
Minnesota $820 -$158 -16.2%
Mississippi $1,172 $194 19.8%
Missouri $866 -$112 -11.5%
Montana $1,052 $74 7.6%
Nebraska $772 -$206 -21.1%
Nevada $1,174 $196 20.0%
New Hampshire $706 -$272 -27.8%
New Jersey $1,094 $116 11.9%
New Mexico $866 -$112 -11.5%
New York $1,032 $54 5.5%
North Carolina $564 -$414 -42.3%
North Dakota $800 -$178 -18.2%
Ohio $676 -$302 -30.9%
Oklahoma $1,006 $28 2.9%
Oregon $896 -$82 -8.4%
Pennsylvania $934 -$44 -4.5%
Rhode Island $1,306 $328 33.5%
South Carolina $886 -$92 -9.4%
South Dakota $826 -$152 -15.5%
Tennessee $858 -$120 -12.3%
Texas $1,180 $202 20.7%
Utah $724 -$254 -26.0%
Vermont $670 -$308 -31.5%
Virginia $586 -$392 -40.1%
Washington $758 -$220 -22.5%
West Virginia $898 -$80 -8.2%
Wisconsin $678 -$300 -30.7%
Wyoming $874 -$104 -10.6%

View Chart as Image

Hyundai Azera insurance rates by U.S. city

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 $962 $80
Hyundai Azera Limited 4-Dr Sedan $984 $82

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 $206 $364 $464 $1,192
2012 Hyundai Azera $202 $340 $474 $1,174
2006 Hyundai Azera $152 $208 $460 $978

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 Shop for Cheaper Hyundai Azera Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a condensed summary of the car insurance concepts raised in the charts and tables above.

  • Drivers with multiple at-fault accidents may have to pay on average $1,130 more annually than a driver with a clean driving record
  • You may be able to save approximately $110 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $250 each year
  • Consumers who want additional liability coverage will pay approximately $510 per year to raise limits from a 30/60 limit to a 250/500 level

Rates by Driver Age

Hyundai Azera Insurance Rates by Driver Age
Driver Age Premium
16 $3,970
20 $2,244
30 $994
40 $978
50 $898
60 $880

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Azera Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,134
$250 $1,064
$500 $978
$1,000 $896

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Azera Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $978
50/100 $1,076
100/300 $1,191
250/500 $1,490
100 CSL $1,122
300 CSL $1,375
500 CSL $1,559

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Azera Insurance Rates for High Risk Drivers
Age Premium
16 $5,586
20 $3,576
30 $2,126
40 $2,106
50 $2,016
60 $1,998

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 $131

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $59
5-yr Claim Free $61
Paid in Full/EFT $35
Advance Quote $43
Online Quote $66
Total Discounts $383
Rate after discounts $595

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

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