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Key Takeaways

  • The average insurance rate of a Hyundai Tucson is $1723.
  • Hyundai Tucson is the cheapest among the Hyundai models where insurance is concerned.
  • USAA and Erie offer the cheapest rates for insuring your Tucson.

This SUV from Hyundai is cheap. Hyundai Tucson is a large crossover with good fuel economy, perfect for lengthy commutes. The price range falls between $25,800 to $43,755, making it affordable, and the unique safety features make it suitable for families.

Since the make and model of a car heavily influence the insurance rates. Here we look at the different factors that determine Hyundai Tucson car insurance costs, the cheapest insurance provider available for Hyundai Tucson models, the crash test ratings, and the discounts available on insurance for this SUV from Hyundai.

Hyundai Tucson Car Insurance Cost

The average annual insurance rate for a Hyundai Tucson is $1723. It is one of the cheapest models to insure among the different models offered by Hyundai. The monthly rate to insure a Tucson is $147.

Here is a list of general parameters that affect the car insurance cost of Hyundai Tucson models. A teen driver driving a Hyundai Tucson pays the highest insurance rates. If you opt for higher deductibles, then there is an evident decrease in insurance costs.

Parameter Insurance Cost
Discount Rate $766
High Deductibles $1121
Low Deductibles $1635
High-Risk Driver $2761
Teen Driver $4736

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Is Hyundai Tucson expensive to insure?

Among the different Hyundai models, Tucson is the cheapest to insure. If we compare it with the other crossovers available in the market, we observe that Lincoln MX and Kia Niro are cheaper to insure than Tucson.

Vehicle Comprehensive Collision Liability
Hyundai Tucson $300 $476 $378
Lincoln MKT $376 $632 $456
Kia Niro $288 $484 $404
Lexus RX-450h $396 $724 $426
Lincoln MKC $312 $602 $404
Lincoln MKX $300 $602 $404

What impacts the cost of Hyundai Tucson car insurance?

Various driving and non-driving factors are taken into consideration by insurance providers to calculate the insurance premium for each user. It varies with each individual as well as with the model and make of the car. Here we look at the major factors that determine the insurance cost of a Hyundai Tucson.

Age of the Car

Observing the different models of Hyundai Tucson according to the year, we see the difference in rates and how it decreases with older models. For example, insuring a 2020 Hyundai Tucson model will cost $1300, while it will cost $1090 to insure a 2010 model.

Year of the Model Comprehensive Collision Liability Total
2020 Hyundai Tucson $300 $476 $378 $1300
2019 Hyundai Tucson $286 $458 $396 $1286
2018 Hyundai Tucson $276 $454 $404 $1280
2017 Hyundai Tucson $266 $442 $422 $1276
2016 Hyundai Tucson $256 $424 $436 $1262
2015 Hyundai Tucson $244 $410 $448 $1248
2014 Hyundai Tucson $234 $380 $458 $1218
2013 Hyundai Tucson $224 $358 $462 $1190
2012 Hyundai Tucson $216 $322 $466 $1150
2011 Hyundai Tucson $200 $298 $466 $1110
2010 Hyundai Tucson $196 $278 $470

Age of the Driver

Since age can classify you as a high-risk or low-risk driver, car insurance rates are highly dependent on the age of the driver. Teenage drivers, due to their inexperience, will pay $4736 annually on average, while an older driver pays in the range of $1360 and $1170.

Age Average Annual Premium
Teens $4736
20s $2939
30s $1357
40s $1300
50s $1186
60s $1161

Location of the Driver

Accident statistics, theft rates, and the population of a neighborhood are taken into consideration by every insurance provider to calculate the premium rates. Taking into account the location-wise insurance rates for a Hyundai Tucson, we observe that cities like Newyork, and Philadelphia have rates higher than the average insurance rate of a Tucson model, while Columbus, Illinois, and Huston pay lower rates for the same model.

City Average Annual Premium
Indianapolis $1432
Seattle $1261
Phoenix $1507
Chicago $1713
Philadelphia $1740
Jacksonville $1882
Houston $1510
New York $2680
Los Angeles $2354
Columbus $1072
Austin $1296
San Antonio $1360
Dallas $1518
San Deigo $1598

Driving Record

Your motor vehicle record decides the fate of your car insurance rates. Comparing the insurance rates of a Hyundai Tucson, based on age and ticket violations, we observe that younger drivers with reckless driving infractions pay more than older drivers with the same record. However, irrespective of the age and the model of the Tucson you own, a driving record with traffic tickets can spike your car insurance rates.

Age Speeding Accidents Clean Record
20 $5626 $3197 $2939
30 $1476 $2595 $1357
40 $1414 $2485 $1230
50 $1290 $2267 $1186
60 $1264 $2221 $1161

Insurance Company

Apart from USAA, which offers insurance premiums to active military members, Amica and Erie, for most of the models, offer cheap insurance rates. Here is a list of providers offering the best minimum and full coverage according to the models.

Company Average Monthly Premium
for Minimum Coverage
Average Monthly Premium
for Full Coverage
State Farm $473 $1330
Amica $402 $1195
Erie $381 $1284
USAA $351 $1076

How much is 2022 Hyundai Tucson insurance?

Being the latest entrant, it might be costlier to insure a 2022 model of a Hyundai Tucson. However, the improved safety features will make it eligible for better discounts.

2022 Hyundai Tucson Insurance Cost by Trim Level

SE is the least expensive Hyundai Tucson model to insure at $1300 annually. The Hybrid Blue trim is the second cheapest to insure at $1,386 per year, followed by SEL at $1,392 per year.

Hyundai Tucson Hybrid Limited and Plug-in Hybrid Limited vehicles are the two most costly Tucson trim levels to insure, costing approximately $1,466 and $1,506 per year, respectively.

Hyundai Tucson Trim Level Annual Policy 6-month Policy Monthly Rate
SE $1,300 $653 $113
Hybrid Blue $1,386 $696 $121
SEL $1,392 $699 $122
N Line $1,426 $716 $124
Hybrid SEL Convenience $1,438 $722 $125
Limited $1,440 $723 $126
Plug-in Hybrid SEL $1,446 $726 $126
Hybrid Limited $1,466 $736 $128
Plug-in Hybrid Limited $1,506 $756 $131

Does a used Tucson cost less to insure?

The savings that you might receive on insuring an older model is dependent on the policy coverage levels and the set deductibles.

Hyundai Tucson Insurance Cost for 2018-2022 Models

The monthly rates for a used Tucson will range between $80 and $124, the least being for the oldest model.

Model Year Annual Rate 6-month Rate Monthly Rate
2022 Hyundai Tucson $1,422 $714 $124
2021 Hyundai Tucson $1,264 $635 $111
2020 Hyundai Tucson $1,240 $623 $109
2019 Hyundai Tucson $1,313 $660 $115
2018 Hyundai Tucson $1,268 $637 $111
2017 Hyundai Tucson $1,240 $623 $109
2016 Hyundai Tucson $1,200 $603 $106
2015 Hyundai Tucson $1,112 $559 $98
2014 Hyundai Tucson $1,088 $547 $96
2013 Hyundai Tucson $908 $457 $81

How much does liability insurance cost for Hyundai Tucson?

An excellent strategy for lowering the cost of car insurance is to limit coverage to just liability and insure an older model year of the Tucson. The following table provides information regarding the cost of car insurance for the model years 2006 through 2012 for the Tuscon.

Hyundai Tucson Insurance Rates for 2006 to 2012 Model Years

The older the model, the lower becomes the liability insurance rates. A 2006 Tucson will cost $428 while a 2012 model will cost $456 for liability coverage.

Model Year Full Coverage Insurance Liability
2012 Hyundai Tucson $882 $456
2011 Hyundai Tucson $860 $455
2010 Hyundai Tucson $826 $450
2009 Hyundai Tucson $798 $446
2008 Hyundai Tucson $766 $442
2007 Hyundai Tucson $734 $436
2006 Hyundai Tucson $706 $428

Features of Hyundai Tucson

The safety features and specifications based on the trim levels influence the car insurance rates of your Hyundai Tucson. Here we look at the features and the safety ratings that impact the insurance quotes.

Safety Features and Safety Ratings

According to the data from Insurance Institute for Highway Safety, the different test types carried out have shown good ratings for a Hyundai Tucson.

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good

Moreover, the numerous safety features of a Hyundai Tucson not only ensure safety but also assures a lower insurance rating. These are the salient safety features hosted on a Hyundai Tucson.

  • 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

Hyundai Tucson Car Insurance Loss Probability

The insurance loss probability for the Hyundai Tucson varies depending on the coverage type, as indicated by the data from Insurance Institute for Highway Safety.

Insurance Coverage Category Loss Rate
Collision -20%
Property Damage -4%
Comprehensive -34%
Personal Injury 8%
Medical Payment 10%
Bodily Injury 1%

Hyundai Tucson Crash Test Ratings

According to data from the National Highway Traffic Safety Administration, Hyundai Tucson has a 5-star overall rating. This makes it cheaper to insure.

Vehicle Tested Overall Rating Frontal Side Rollover
2020 Hyundai Tucson SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 Hyundai Tucson SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Hyundai Tucson SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Hyundai Tucson SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Hyundai Tucson SUV FWD 5 stars 5 stars 5 stars 4 stars
2018 Hyundai Tucson SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Hyundai Tucson SUV FWD 5 stars 5 stars 5 stars 4 stars
2017 Hyundai Tucson SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Hyundai Tucson Fuel Cell SUV FWD N/R N/R N/R N/R
2016 Hyundai Tucson SUV FWD 5 stars 5 stars 5 stars 4 stars
2016 Hyundai Tucson SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Hyundai Tucson Fuel Cell SUV FWD N/R N/R N/R N/R

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Ways to Save on Hyundai Tucson Car Insurance

There are several hacks that can be used to save on your Hyundai Tucson insurance. Shopping around for insurance quotes with different providers can give you a head start on getting the affordable option for you. This is one of the many methods that will help you reduce the insurance premium rates.

  • Compare and Purchase

Thorough online research can help in choosing the best insurance provider that suits your needs.

  • Look for Discounts

Always look for discounts when you are purchasing insurance in Charleston. Most providers give multipolicy discounts, telematics discounts, good driver discounts, and bundling discounts. This can make a huge difference in the premium rates. Pay-in-full discounts are also offered by different providers.

  • Make Use of Student Discounts

If you are a young driver, then one can always make use of good student discounts and bundle your policies to reduce the premiums. You can also associate your policy with that of your parents, which will result in a good reduction in the premium rates.

  • Increase your Deductible

Even though a higher deductible can reduce your accident claim, it can also reduce vehicle insurance premiums. To make it a feasible option, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.

  • Improve your Credit Score

If you are looking for an affordable quote for your Hyundai Tucson, then improving and maintaining your credit score can fetch you better rates. In those states that allow the use of credit scores to calculate insurance rates, we observe that it will cost at least $240 more if you have a low credit score.

Bottom Line

It is crucial that you maintain a flawless driving record in order to keep your car insurance rates to a minimum. Since Hyundai Tucson is the cheapest to insure, one can shop around and ensure that they get the appropriate discounts and get a lower insurance premium.

How to get Hyundai Tucson Car Insurance with Way.com

It is advisable to do your research before zeroing in on your insurance provider. Since Hyundai Tucson is cheaper than most models of Hyundai and other SUVs, do your research by analyzing the quotes after obtaining them online will reward you with better coverage at a lower price.

Way.com gives you a head start with the analysis of the best car insurance companies nationally, based on criteria that will surely influence your insurance coverage experience, financial strength, customer service, protection, and price.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is a Hyundai Tucson expensive to insure?

Hyundai Tucson is the cheapest SUV to insure when comparing it with the other models from the company. It will cost $1723 on average annually to insure a Hyundai Tucson. This will cost around $147 every month.

How can I get the best price on car insurance for my Hyundai Tucson?

Since most insurance companies provide their quotes online, it is easier to compare and make an informed choice. Way.com will easily guide you through the otherwise laborious process of research for the same.

Does the color of my Hyundai Tucson affect my insurance rates?

No, car insurance rates are not dependent on the color of your Tucson. The color of the car is not a determining factor when it comes to car insurance but the model, trim levels, and the year of manufacture.

Do I need to have insurance before I buy a Hyundai Tucson?

It is preferable to purchase auto insurance before purchasing a new car. If you had auto insurance for another car before the purchase of your Hyundai Tuscon, you might not need to purchase another policy. The majority of insurance companies provide a brief grace period during which your new Tucson is covered.

Depending on the dealership and whether or not you are financing the purchase of the Tucson, you may be required to present evidence of insurance before driving your new car home.

What car insurance discounts can I get for my Hyundai Tucson?

Welcome discounts, safe driver discounts, and those with unique safety features are eligible for additional discounts on that front.

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