Hyundai Tucson Insurance Rates
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UPDATED: Apr 9, 2020
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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.
Estimated insurance prices for a Hyundai Tucson are $1,280 every 12 months for full coverage. Comprehensive insurance costs on average $280 a year, collision costs $452, and liability insurance costs $390. A policy with only liability insurance costs as little as $452 a year, with a high-risk policy costing $2,750 or more. Teens pay the most at $4,778 a year or more.
Average premium for full coverage: $1,280
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Tucson trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Hyundai Tucson go from the cheapest price of $452 for your basic liability-only policy to a high of $2,750 for high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates how your location can change car insurance rates.
These rate differences show why it is important to compare rates based on a specific location and their own driving history, rather than relying on 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.
More Rate Information
The chart below shows estimated Hyundai Tucson insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $749
- Drivers who choose higher $1,000 deductibles will pay around $1,114 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,280
- Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $320 a year
- High risk drivers with serious driving violations could pay upwards of $2,750 or more
- An auto insurance policy to insure a teen driver may cost $4,778 a year
Car insurance prices for a Hyundai Tucson also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Tucson.
Choosing higher comprehensive and collision insurance deductibles could save up to $490 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Hyundai Tucson insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,830 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Hyundai Tucson GLS 2WD||$1,194||$100|
|Hyundai Tucson GLS 4WD||$1,238||$103|
|Hyundai Tucson Limited 2WD||$1,324||$110|
|Hyundai Tucson Limited 4WD||$1,324||$110|
Rates assume 2020 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Hyundai Tucson||$280||$452||$390||$1,280|
|2019 Hyundai Tucson||$270||$448||$398||$1,274|
|2018 Hyundai Tucson||$260||$436||$416||$1,270|
|2017 Hyundai Tucson||$250||$418||$430||$1,256|
|2016 Hyundai Tucson||$238||$404||$442||$1,242|
|2015 Hyundai Tucson||$228||$374||$452||$1,212|
|2014 Hyundai Tucson||$218||$352||$456||$1,184|
|2013 Hyundai Tucson||$210||$316||$460||$1,144|
|2012 Hyundai Tucson||$196||$292||$460||$1,106|
|2011 Hyundai Tucson||$190||$272||$464||$1,084|
|2010 Hyundai Tucson||$184||$254||$474||$1,070|
|2009 Hyundai Tucson||$172||$236||$474||$1,040|
|2008 Hyundai Tucson||$166||$214||$478||$1,016|
|2007 Hyundai Tucson||$156||$196||$474||$984|
|2006 Hyundai Tucson||$146||$178||$474||$956|
|2005 Hyundai Tucson||$142||$160||$468||$928|
Rates are averaged for all Hyundai Tucson 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 More Affordable Hyundai Tucson Insurance
Finding better rates on Hyundai Tucson insurance not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting rates from direct carriers, and also from local independent and exclusive agents.
The following items are a summary of the material that was illustrated above.
- Drivers who require additional liability coverage will pay approximately $430 each year to go from 30/60 bodily injury limits to a 250/500 level
- 16 to 18-year-old drivers are expensive to insure, as much as $398 per month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations pay an average of $1,470 more each year than a driver with a clean driving record
- Increasing policy deductibles could save as much as $475 each year
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.
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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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$91|
|5-yr Claim Free||$81|
|Paid in Full/EFT||$56|
Discounts are estimated and may not be available from every company or in every state.