Hyundai Tucson Insurance Rates

When the time comes to find out information about what the overall expense might be for a Hyundai Tucson insurance cost, you may be wondering where to begin. We have prepared this guide to alleviate the stress associated with Hyundai car insurance and getting sacked with insurance rate increases.

This article will give you detailed information about how Hyundai Tucson insurance rates are calculated so you can be confident in your search for the right policy. We will explore how size and class, safety features, MSRP value, and repair estimates all play a part in Hyundai Tucson insurance costs.

Be sure to read through this comprehensive guide to learn everything there is to know about Hyundai Tucson insurance costs, and don’t forget to use our free online tool to start comparing quotes for free.

U.S. average insurance rates for a Hyundai Tucson are $1,242 a year with full coverage. Comprehensive insurance costs an estimated $238 a year, collision insurance costs $404, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs $2,686 or more. 16-year-old drivers pay the highest rates at up to $4,778 a year.

Average premium for full coverage: $1,242

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Tucson trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than congested cities. The diagram below illustrates how location impacts insurance prices.

The ranges above demonstrate why it is important to compare rates for a targeted area, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below details average Hyundai Tucson insurance rates for other coverage scenarios.

• The best full coverage rate is $726
• Drivers who choose higher $1,000 deductibles will pay approximately $1,096 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,242
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $280 a year
• High risk drivers with multiple tickets or accidents could pay up to $2,686
• The price that insures a teen driver can cost as much as $4,778 a year

View Chart as Image

Car insurance prices for a Hyundai Tucson are also quite variable based on the trim level of your Tucson, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

The state you live in makes a big difference in Hyundai Tucson insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $430 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 Find Cheap Hyundai Tucson Insurance

Getting lower rates on Hyundai Tucson insurance not only requires being safe and accident-free, but also having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the data that was touched on above.

• You may be able to save approximately $150 per year just by quoting early and online
• Drivers who want more liability protection will pay around $490 every year to go from a low limit to the 250/500 level
• Youthful drivers have the highest car insurance prices, costing up to $398 a month if full coverage is purchased
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,440 more annually than a low-risk driver

Now that we have uncovered more information on how Hyundai Tucson insurance rates vary based on the profile of the driver, let’s explore how the details of the car itself factor into Hyundai Tucson insurance costs.

How does the size and class of the Hyundai Tucson affect liability rates?

If you ever wondered, “Is the Hyundai Tucson an SUV?” the Insurance Institute for Highway Safety (IIHS) classifies the Hyundai Tucson as a small SUV.

Often referred to as crossovers, this vehicle type is perfect for those who are interested in driving an SUV without committing to an extremely large and expensive model.

Speaking of expenses, liability insurance rates by car vary based on the size and class of the model in question. In the case of the Hyundai Tucson, liability insurance rates are favorable since the Hyundai Tucson has a loss ratio of -10 percent for both bodily injury and property damage.

Models that show a negative loss percentage like the Hyundai Tucson are considered to be the cheapest cars to insure because insurance companies do not have to pay out a lot of claims.

Therefore, the Hyundai Tucson should be on your list if you ever found yourself wondering, “What are the cheapest vehicles to insure?” or “What insurance group is a Hyundai Tucson?”

What does liability insurance cost for a Hyundai Tucson?

As mentioned in the previous section, the two types of liability insurance that drivers are legally required to carry are called bodily injury liability and property damage liability.

Bodily injury liability insurance will pay for medical expenses and lost wages for the other driver after an accident that you are responsible for causing.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Hyundai Tucson from low to high coverage.

• Low ($25,000): $68.30
• Medium ($50,000): $95.55
• High ($100,000): $105.96

Property damage liability insurance will pay for any damages sustained by the opposing driver’s property, including their vehicle.

Take a look at the following Hyundai Tucson property damage liability quotes for low to high coverage. Keep in mind that these are itemized costs and the total price you will pay for your policy.

• Low ($25,000): $143.90
• Medium ($50,000): $133.77
• High ($100,000): $132.62

There are plenty of ways to customize your policy, so ask potential insurance providers about having low coverage for one form of liability insurance and higher coverage for the other.

What are the safety features and ratings of the Hyundai Tucson?

When quoting a driver, insurance companies will look at the safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your Hyundai Tucson.

Take a look at the following list of safety features on the Hyundai Tucson with information sourced from U.S. News. All of these features go a long way in lowering Hyundai Tucson insurance costs. 

• Driver Air Bag
• Passenger Air Bag
• Front Head Air Bag
• Rear Head Air Bag
• Front Side Air Bag
• 4-Wheel ABS
• 4-Wheel Disc Brakes
• Brake Assist
• Electronic Stability Control
• Child Safety Locks
• Traction Control
• Lane Departure Warning
• Lane Keeping Assist

Even with safety features included, car crashes still occur, and sometimes they can turn out to be fatal.

The IIHS reports that out of 7,818,479 registered small SUVs, a total of 212 deaths have been incurred as a result of an accident. Broken down, that is a fatality rate of 27 per one million registered drivers.

Beyond vehicle type, fatality statistics vary based on the point of impact from which the crash occurred. Take a look at the following figures to see how some types of crashes are more fatal than others.

• Frontal Impact: 2,784 deaths  
• Side Impact: 930 deaths 
• Rear Impact: 286 deaths
• Other (mostly rollovers): 1,035 deaths

While fatality statistics can seem alarming, knowing the overall safety of the Hyundai Tucson’s vehicle class is important when shopping for auto insurance.

What is the MSRP of the Hyundai Tucson?

As of the writing of this article, Kelley Blue Book (KBB) reports that a base-level 2020 Hyundai Tucson has a Manufacturer’s Suggested Retail Price (MSRP) of $26,090 with a fair market value between $23,811 and $25,534.

Different model years of the Hyundai Tucson can amount to different insurance rates, and one year can make a big difference. Plenty of drivers want to know about the Hyundai Tucson 2019 insurance group to see how it compares to the 2020.

This is important to know because the Hyundai Tucson cost to own is tied directly to the amount you can expect to pay for full coverage. The two most basic forms of full coverage that will protect the value of your Hyundai Tucson are collision and comprehensive insurance.

• Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
• Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

The IIHS reports that the Hyundai Tucson reflects a collision loss ratio of -20  percent and a comprehensive loss ratio of -26  percent. For some perspective, that is considered well above average for its vehicle class.

Knowing this type of information is helpful when comparing insurance rates between different models. For example, if you were curious about Hyundai Kona insurance cost or ever asked, “Are Mazdas expensive to insure?” you will know after reviewing loss ratio data.

How much will it cost to repair my Hyundai Tucson?

If you ever found yourself asking, “Is the Hyundai Tucson expensive to maintain?” then you are not alone.

Experts from RepairPal suggest that the annual cost of repairs for a Hyundai Tucson is $426 per year. That includes both regularly scheduled maintenance in addition to major repair work.

In the event that you get into an accident and need to fix a certain part of the Hyundai Tucson, your repair bill can look different based on what needs to be repaired. Take a look at the following Hyundai repair estimates with info from Instant Estimator:

• Front Bumper: $412.60
• Rear Bumper: $422.60
• Hood: $389.40
• Roof: $476.20
• Front Door: $389.20
• Back Door: $377.80
• Fender: $352.20
• Quarter Panel: $364.60

Now that we have gone into great detail about Hyundai Tucson insurance costs, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing quotes from multiple providers today.