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.

Estimated insurance rates for a Hyundai Tucson are $1,280 a year including full coverage. Comprehensive costs around $280 each year, collision costs $452, and liability is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing around $2,750. Teen drivers pay the most at $4,778 a year or more.

Average premium for full coverage: $1,280

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Tucson models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why all drivers should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Hyundai Tucson insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $749
• Raising to $1,000 deductibles will save about $166 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,280
• Choosing low deductibles will increase the cost to $1,600
• Drivers with multiple violations and an at-fault accident could pay at least $2,750 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $4,778

View Chart as Image

Auto insurance prices for a Hyundai Tucson also have a wide range based on your driving characteristics, the model of your Tucson, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Hyundai Tucson insurance prices. A middle-age driver might find prices as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce prices by up to $490 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 131% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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 More Affordable Hyundai Tucson Insurance

Finding better rates on insurance for a Hyundai Tucson consists of avoiding accidents and claims, having good credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a summary of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,470 more every year to insure a Hyundai Tucson
• You may be able to save up to $150 per year simply by quoting online in advance
• Increasing policy deductibles can save around $475 each year
• Insureds who may need increased liability limits will pay about $430 per year to raise from 30/60 bodily injury limits to 250/500 limits

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.