Hyundai Tucson Car Insurance Rates for 2023

• Average Hyundai Tucson insurance cost is $1,614 per year, or $135 per month for full coverage.
• The cheapest Hyundai Tucson insurance can be found on the SE trim level, costing around $1,492 per year. The most expensive model to insure is the Plug-in Hybrid Limited at $1,726 per year.
• The Hyundai Tucson is one of the more expensive small SUVs to insure, costing $8 more per year on average as compared to other small SUVs.

How much does Hyundai Tucson insurance cost?

Hyundai Tucson insurance costs an average of $1,614 per year for the 2023 model year. Average cost per month ranges from $124 to $144 depending on the trim level.

When policy cost is broken down by coverage type, collision coverage costs about $656 a year, liability and medical (or PIP) coverage costs an estimated $568, and the remaining comprehensive (or other-than-collision) coverage will cost around $390.

The chart below demonstrates average Hyundai Tucson car insurance rates using different policy scenarios. More mature drivers tend to have cheaper rates, whereas drivers with more risk or a tendency to have accidents and claims will pay higher rates.

The preceding insurance cost chart shows a fairly small set of insurance rate estimates for a Hyundai Tucson. If we included the entire data set including all rates for every possible combination of risk factors, including all 10 Hyundai Tucson trim levels and every zip code in the U.S., the chart would have 967,680,000,000 different rate possibilities.

Additional observations include:

• Young males pay a lot more for insurance. For a 2023 Hyundai Tucson, a 20-year-old male driver pays an estimated $3,196 per year, while a 20-year-old woman will get a rate of $2,382, a difference of $814 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $1,470 and female driver rates are $1,440, a difference of only $30.
• Improve your credit rating to save on insurance. In states that allow a driver’s credit rating to be used as a rate factor, drivers with high 800+ credit scores may see savings of $253 per year over a lower credit rating of 670-739. Conversely, a less-than-perfect credit score could cost as much as $294 more per year.
• Find cheap Tucson car insurance rates by qualifying for policy discounts. Discounts may be available if the insured drivers work in certain occupations, sign their policy early, are military or federal employees, are claim-free, are homeowners, or many other policy discounts which could save the average driver as much as $274 per year on their insurance cost.
• Lower the cost of your policy by increasing deductibles. Jacking up your deductibles from $500 to $1,000 could save around $238 per year for a 40-year-old driver and $460 per year for a 20-year-old driver.
• Low physical damage deductibles increase costs. Decreasing your policy deductibles from $500 to $250 could cost an additional $246 per year for a 40-year-old driver and $486 per year for a 20-year-old driver.
• Obey driving laws to save money. To pay the cheapest price for Tucson insurance rates, it’s necessary to drive safely. Not surprisingly, just a couple of minor lapses of judgment on your driving record could possibly raise the price of a policy as much as $424 per year. Serious citations like DUI and hit-and-run could raise rates by an additional $1,474 or more.

Is a Hyundai Tucson cheap to insure?

The cheapest model of Hyundai Tucson to insure is the SE at $1,492 per year. The next cheapest trim is the SEL at $1,524 per year, and the third cheapest model to insure is the Hybrid Blue also at $1,576 per year.

For the pricier trim levels, the two most expensive Tucson trim levels to insure are the Hyundai Tucson Hybrid Limited and the Plug-in Hybrid Limited models at around $1,682 and $1,726 per year, respectively.

The table below illustrates the average car insurance cost by trim level for the Tucson for different policy terms.

Hyundai Tucson versus the competition

The Hyundai Tucson ranks 26^th out of 47 total comparison vehicles in the small SUV segment. The Tucson costs an estimated $1,614 per year for insurance, while the segment average is $1,606 annually, a difference of $8 per year.

When compared to the most popular models in the small SUV segment, Tucson car insurance rates cost $20 less per year than the Toyota RAV4, $118 more than the Honda CR-V, $26 more than the Chevrolet Equinox, and $8 less than the Nissan Rogue.

The table below shows all 47 models in the 2023 small SUV class ranked by insurance cost and compared to the Hyundai Tucson rate.

How much less does a used Hyundai Tucson cost to insure?

Insuring a 2013 model Tucson rather than a new 2023 model could save around $640 each year, depending on policy coverage levels.

Insuring a vehicle that is old enough to justify dropping full coverage completely could save an additional $474 annually, depending on what the comprehensive and collision deductibles were set to and the age of the driver.

The data below illustrates typical Hyundai Tucson auto insurance costs for the 2013 through 2023 model years. Annual policy costs range from the most affordable rate of $974 for a 2013 Hyundai Tucson to the most expensive yearly cost of $1,614 for a 2023 model.

Hyundai Tucson full coverage vs. liability only

Insuring an older model year Tucson for only liability insurance is a good way to reduce the cost of insurance. The table below shows liability-only car insurance rates for the 2006 to 2012 Tucson model years.