Hyundai Accent Insurance
(And how to get the lowest premiums.)
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Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.
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Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.
You want the best possible insurance rates for your Hyundai Accent, but contacting multiple companies can be a hassle. You need car insurance personalized for you and your vehicle. With help from an independent insurance agent, you can get multiple quotes from reputable insurance companies with a single point of contact. Your agent can even help you choose which coverages work best for your situation.
Not sure where to find an independent insurance agent in your area?
You can use this find-an-agent tool to get matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Hyundai Accent.
What Kind of Insurance Do You Need for Your Hyundai Accent?
Bodily Injury Liability
Bodily injury liability is car insurance that helps you cover medical bills associated with someone else's injuries if you cause an accident with your Hyundai Accent. This type of insurance may be mandatory in your state.
Property Damage Liability
With property damage liability, you'll have coverage that repairs damage you cause to another person's property or vehicle in an at-fault accident. This type of insurance is also legally mandated in many parts of the country.
Medical Payments/Personal Injury Protection
Medical payments or personal injury protection coverage allows you to get the medical assistance you and your passengers need right away after a car accident, regardless of who caused the accident. Your agent can help you understand whether medical payments or personal injury protection coverage is available in your state.
Uninsured Motorist Coverage
Uninsured and underinsured motorist coverage prevents you from having to pay for damage out of pocket if you get into an accident with someone who doesn't have the right amounts or types of auto insurance coverage. Even though it's illegal to drive without auto insurance in many places, you could still be in an accident with someone who can't pay the damage they owe because they simply don't have enough insurance.
Optional Coverage:
Collision
Collision insurance coverage pays for damage to your Hyundai Accent, minus your deductible, if you are in an accident with another vehicle or if you hit a stationary object like a building or a fence. Collision insurance doesn't make sense for everyone, so talk with your agent about how the value of your vehicle affects whether this type of insurance is a smart buy.
Comprehensive
Comprehensive insurance coverage pays for damage to your car if you are the victim of theft or vandalism. It also pays for repair or replacement of your vehicle if you're in an accident caused by a falling object or if you hit an animal in the road. This type of coverage requires you to pay your deductible before the insurance company pays for the damage.
If you have a loan or lease on your Hyundai Accent, your bank or dealership may require you to carry various types and amounts of insurance, including collision coverage and comprehensive coverage.
Glass Coverage
While replacing your windshield can be expensive, it may not cost more than your deductible. To avoid having to pay for a new windshield out of pocket, it's wise to add a zero-deductible glass coverage policy to your auto insurance.
Gap Insurance
If you owe more on your Hyundai Accent then its market value, gap insurance can help you reduce the risk that a potential insurance settlement won't cover the outstanding loan or lease amount. If you are in an accident that results in the total loss of your vehicle, you are responsible for paying off the loan or lease regardless of whether the insurance covers the total amount. Gap insurance can help cover the gap between what insurance pays and what you owe.
What Affects the Cost of Insurance for Your Hyundai Accent?
- Annual mileage: The Hyundai Accent is the ideal economical vehicle for people who put a lot of miles on their cars throughout the year. If you plan to drive more than 10,000 to 15,000 miles per year, be sure to let your agent know. You may pay slightly higher auto insurance rates.
- Your driving record: Drivers who have an at-fault accident or moving violations on their driving record will pay higher insurance rates.
- The value of your vehicle: The Hyundai Accent is typically an inexpensive vehicle, so its value shouldn't have a negative effect on your insurance. Owning an older car usually means you'll pay a smaller annual premium.
| Insurance Rates by Model Year: | |
| 2020 Hyundai Accent: | $1,358 |
| 2015 Hyundai Accent: | $1,300 |
| 2010 Hyundai Accent: | $1,122 |
| 2005 Hyundai Accent: | $978 |
Average Hyundai Accent Insurance Costs
An average 40-year-old Hyundai Accent driver pays $1,358 annually for full coverage auto insurance, including collision and comprehensive coverage. Drivers who need liability-only coverage pay an average of $438 per year. Young drivers met pay as much as $5,112 per year for full coverage insurance on their Hyundai Accent. Your agent can help you understand which factors weigh heaviest when it comes to insurance rates.
The Safety of Your Hyundai Accent
The NHTSA gave the 2020 Hyundai Accent an overall 4-star safety rating. The 2018 model was redesigned, earning it better crash-test ratings than previous models. The top trim level of the Accent costs about $3,000 more than the base model, but it offers additional safety technology and a front crash safety system.
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How Location Affects Your Hyundai Accent Insurance
Where you live has a great impact on your Hyundai Accent insurance rates. It's important to get a personalized quote from your agent so you can make informed decisions about which types and how much car insurance you need.
Here's how average Hyundai Accent full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary according to location:
| Rural Areas | Small Cities | Large Cities |
| $1,091 | $1,426 | $1,833 |
Additional Factors That Affect Your Hyundai Accent Insurance Premiums
- Safety features like anti-theft devices
- Age
- Gender
- Deductible
- Credit
Average Cost to Insure a Hyundai Accent
| Average annual cost to insure a Hyundai Accent with full coverage: | $1,332 |
| Teens: | $5,112 |
| High-Risk Drivers: | $2,962 |
| High Deductibles: | $1,172 |
| Low Deductibles: | $1,730 |
| Top 3 most expensive states for Hyundai Accent insurance: | |
| Michigan, Louisiana, and New York | $1,940 |
| Top 3 most affordable states for Hyundai Accent insurance: | |
| Idaho, Maine, and Iowa | $900 |
Top Independent Insurance Carriers That Insure the Hyundai Accent
According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers:
- Progressive
- Safeco
- Travelers
- Auto-Owners Insurance
Get a Hyundai Accent Quote
When you work with an independent insurance agent you'll get the help you need to find the best possible coverage and rates for your Hyundai Accent. With the help of the TrustedChoice.com find-an-agent tool, you can reach out to an agent in your area right away. Get started today by finding an agent in your town.
IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver