Hyundai Tucson Insurance

Insuring Your Hyundai Tucson

(And how to get the lowest premiums)

Hyundai Tucson

Finding the lowest car insurance rates for your Hyundai Tucson may seem daunting. Insurance rates are based on safety features, value, location, your driving record, and your age.  A number of other factors also contribute to how much you should expect to pay for auto insurance. An independent insurance agent can walk you through your options and get quotes from multiple insurance companies. They can also help you choose the best possible combination of insurance coverages for your Tucson.

Not sure where to find an independent insurance agent in your area? 

TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Hyundai Tucson. 

What Kind of Insurance Do You Need for Your Hyundai Tucson?

Bodily injury liability: You may be required by law to carry a certain minimum amount of bodily injury liability insurance on your Hyundai Tucson. Bodily injury liability pays for damage you cause to someone else while driving your vehicle.

Property damage liability: Property damage liability coverage may also be required by law. This coverage pays for repairs like fixing a fence, someone else's car or building if you are in an at-fault accident.

Medical payments/Personal injury protection: Medical payments and personal injury protection insurance provide money for necessary medical services right after a car accident if someone is injured. This coverage kicks in no matter who caused the accident. It lets everyone take care of their medical needs right away without having to worry about who is at fault.

Uninsured motorist coverage: When you are in an accident and the other driver is at fault, their liability coverage pays for repairs to your vehicle and your medical bills. If the at-fault driver doesn't have the right amounts of auto insurance, you could be left to pay those costs on your own. Uninsured and underinsured motorist coverage  prevents you from having to pay to have your own car fixed and pay medical bills after an accident that wasn't your fault.

Optional Coverage:

Collision: If your Hyundai Tucson is damaged in an accident because you hit an object or another vehicle, collision insurance coverage pays to repair or replace your vehicle. You pay your deductible and the insurance company handles the rest of the bill up to the value of the vehicle.

Comprehensive: Comprehensive insurance coverage helps pay repair bills or replacement costs if your car is stolen or damaged by something other than an accident. Comprehensive usually covers vandalism, falling objects, hail, damage from animals, and natural disasters. With comprehensive coverage, the insurance company handles replacement or repair costs minus your deductible.

Lenders require collision and comprehensive coverage if you finance or lease your Hyundai Tucson. 

Glass Coverage: While glass breakage may be covered under your comprehensive insurance policy, replacing a windshield is often less than your deductible. With a zero deductible glass coverage policy you can get your windshield fixed right away without having to pay out of pocket.

Gap Insurance: If you are in an accident and your vehicle is totaled, the insurance company sends a check to your lender for the value of the vehicle minus your deductible. You are responsible for paying the difference between the insurance company settlement and the total amount due on the loan. If you rolled over debt from a previous vehicle into your current loan or you think you owe more on your Hyundai Tucson than it's worth, consider gap insurance

What Affects the Cost of Insurance for Your Hyundai Tucson?

Annual mileage: If you plan to drive your Hyundai Tucson more than 10000 to 15000 miles each year, expect to pay slightly higher insurance premiums.

Your driving record:  Tucson drivers with a spotless driving record can expect to pay up to 40% less for insurance than drivers with an at-fault accident or tickets on their record.

The value of your vehicle: More expensive vehicles cost more to insure because they cost more to fix or replace after an accident. A newer Hyundai Tucson typically costs more to insure than an older model. 

Insurance Rates by Model Year
2020 Hyundai Tucson:$1,294
2015 Hyundai Tucson:$1,242
2010 Hyundai Tucson:$1,084
2005 Hyundai Tucson: $956

Average Hyundai Tucson Insurance Costs

A 40-year-old Hyundai Tucson driver pays $1,294 annually on average for full coverage auto insurance that includes collision and comprehensive coverage. Liability-only insurance rates average just $470 per year. New 16-year-old drivers pay average rates that are much higher at $4,790 per year. 

The Safety of Your Hyundai Tucson

The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Hyundai Tucson an overall five-star safety rating. The Insurance Institute for Highway Safety (IIHS) rated this compact SUV as "good" in all crash test categories except front crash prevention, where the Tucson received a rating of "excellent." 

How Location Affects Your Hyundai Tucson Insurance 

Because your location has such a dramatic effect on your car insurance premiums, it's crucial to get a personalized quote from your agent. Here's how average Hyundai Tucson full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the next.

Rural Areas:Small Cities:Large Cities:
$971$1,359$1,747

Additional Factors that Affect Your Hyundai Tucson Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Hyundai Tucson

Average annual cost to insure a Hyundai Tucson with full coverage:$1,294
Teens:$4,790
High-risk drivers:$2,776
High deductibles:$1,120
Low deductibles:$1,628
Top three most expensive states for Hyundai Tucson insurance:
Michigan, Louisiana, and New York$1,850
Top three most affordable states for Hyundai Tucson insurance:
Idaho, Maine, and Iowa$850

Top Independent Insurance Carriers that Insure the Hyundai Tucson

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Get a Hyundai Tucson Quote

An insurance agent can help you make crucial decisions about which coverages you need for your Hyundai Tucson. With help from the find-an-agent tool, you can get ahold of an independent insurance agent in your area right away. Get started today by using the TrustedChoice.com online tool to find an independent insurance agent so you can get the best possible rates on your Hyundai Tucson insurance.

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TrustedChoice.com Article | Reviewed by Greg Safford

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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver