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Car Insurance Quotes for a Hyundai Tucson

Are you getting the cheapest car insurance available for a Hyundai Tucson?

Illustration of Hyundai Tucson

How Much Is Car Insurance for a Hyundai Tucson?

The average annual premium for a Hyundai Tucson auto policy is $1,656 for full and $584 for liability-only coverage.

If you’re in the market for a new policy, consider liability-only or full coverage. One provides third-party-only benefits, while the other offers first and third-party benefits, ensuring adequate financial protection to cover many problematic road situations, such as vehicle-to-vehicle collisions and devastating injuries.

Let a friendly Freeway Insurance team member assist you with all your questions regarding an appropriate policy in line with your budget and coverage needs.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for a Hyundai Tucson to Other Vehicles

Hyundai Tucson drivers should not expect to pay the same premiums as drivers of competing make and models like the Mazda CX-5, Chevrolet Equinox, Ford Explorer, and Subaru Forester.

There are many reasons, such as higher vehicle costs, required repair expertise, theft risk, number of safety features, battery range, accident frequency, and even the number of service centers and parts available, which insurance companies are surprisingly very privy to.

Make/Model Annual Full Coverage Insurance
Hyundai Tucson $1,656
Mazda CX-5 $1,522
Chevrolet Equinox $1,467
Ford Explorer $1,536
Subaru Forester $1,064

Types of Car Insurance Coverage for a Hyundai Tucson

If you are a driver interested in auto coverage, two policies you might consider are liability-only and full coverage.

Both policies fulfill all legal requirements to drive in your state, providing basic or comprehensive protection that protects yourself, your passengers, your vehicle, your property, and other drivers.

Full Coverage

All Hyundai Tucson drivers should highly consider full coverage.

Full coverage combines liability, collision, and comprehensive, which offer three vital areas of protection when driving on the road. Liability covers the cost of injuries and property damages to other parties when you are at fault, preventing you from paying third-party expenses out of pocket (up to specified limits).

In turn, collision and comprehensive are more focused on first-party benefits, paying for repairing or replacing your vehicle after crash- and non-crash-related incidents like falling objects and hail. Consider it a much better option for protecting against unforeseen events.

State Minimum Liability

All Hyundai Tucson drivers must carry at least a liability-only policy as required by law.

Actual requirements vary, depending on the state you live in. For example, all Pennsylvania drivers must carry a 15/30/5 policy, or $15,000 in bodily injury per person, $30,000 in bodily injury per accident, and $5,000 in property damage. These limits may not be enough to cover all accident costs, so you may still be liable to pay out of pocket for some damages in potential lawsuits by third parties.

Choosing higher limits of at least 100/300/100 is better, along with collision and comprehensive, to pay for the cost of damages due to collisions and non-collision-related incidents.

Individual Factors That Influence Pricing for a Compact SUV

To determine the cost of premiums for policyholders, providers have complex algorithms and underwriting techniques to ensure that they can offer competitive rates while meeting all potential claims.

Three major pricing factors are your coverage limits, vehicle usage, and garaging location.

Coverage Limits

Two popular policies are liability-only and full coverage. Full coverage includes comprehensive and collision, so you can expect to pay more for it. Additionally, the lower your deductible and the higher your limits, the more expensive your premiums are, thanks to reduced out-of-pocket costs after a claim.

Vehicle Usage

Regarding vehicle usage, how you use your vehicle has a tremendous impact on the premiums you pay. Driving fewer than 7,500 miles annually results in lower premiums, thanks to a lower likelihood of being involved in an accident.

Garaging Location

Lastly, your garage location matters. If your vehicle is parked in or garaged in an urban area with a higher theft and vandalism rate, expect to pay higher premiums than if it were parked in a rural area with a zero-crime rate. Do not forget about climate as well, with volatile areas seeing higher premiums.

 2022 red Hyundai Tucson hybrid electric car – cheap car insurance.

How Does a DUI Affect Car Insurance Rates?

If you are ever convicted of a DUI, expect your driving situation to change for a minimum of three years.

For starters, you will face increased premiums and even outright policy cancellation or denial thanks to your new status as a high-risk driver. As a result, you may be forced to turn to a provider specializing in high-risk drivers.

Actual premium increases depend on factors such as your driving record and number of offenses. To bring rates down, maintaining a clean driving record is the most important consideration. The longer you go without a claim, moving violation, or at-fault accident, the more likely your rates will steadily lower over time.

On top of increased premiums, expect to be required to file an SR-22 and have limited insurance options, which may mean you will no longer be eligible for specific discounts, e.g., good driver or multi-policy. Reduced discount eligibility will also affect your ability to secure an affordable policy in the future.

In short, we recommend that you never drink and drive. One sip can mean the difference between paying $110 and $340 in monthly premiums.

What Are Some Car Insurance Discounts?

The most generous discounts Hyundai Tucson drivers can benefit from are good driver and multi-policy discounts.

Expect a good driver discount if you have kept a clean and safe driving record for the past three to five years. This means no speeding, at-fault accidents, traffic infractions, or other high-risk driving behaviors. In turn, multi-policy discounts allow policyholders to enjoy savings by bundling two or more policies under the same insurer, with the most common bundle being auto and homeowners.

Other discounts you may be eligible for include but are not limited to:

  • Safety Feature Discount. You might receive this discount if you install safety features in your vehicle (e.g., electronic stability control or anti-theft devices). In the insurer’s eyes, your car has less risk of being involved in an accident or causing an injury.
  • Defensive Driving Discount. If you enroll in an approved driving course that teaches everything from avoiding accidents to maintaining safe following distances, insurance will see you as a lower-risk driver, rewarding you accordingly.
  • Occupational Discount. If you are a member of a trade organization or profession (e.g., elementary school teacher or automobile factory worker), you might be eligible for an occupational discount.
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What Are Some of the Characteristics of the Hyundai Tucson?

The Hyundai Tucson is a vehicle in the compact SUV segment.

It has four trims: SE, SEL, XRT, Limited, and one inline 4-cylinder engine for 187 horsepower and 178-pound-feet of torque.

Standard features on the SE include an 8-inch touchscreen display, two USB ports, a six-speaker sound system, and Apple CarPlay/Android Auto compatibility. Upgrading to the highest-level trim adds Dual Zone automatic climate control, push-button start, panoramic sunroof, and a 10.25-inch digital gauge cluster.

The Hyundai Tucson’s main competitors are the Mazda CX-5, Chevrolet Equinox, Ford Explorer, and Subaru Forester.

Find the Best Car Insurance Rates Online for the Hyundai Tucson Today

Ready for a new policy? Explore your auto insurance options with one of Freeway Insurance’s agents.

Getting started is very easy. You may request a quote by visiting us online, heading to one of our locations, or calling 800-777-5620 for a no-pressure consultation with one of our friendly representatives. Give us a call today!

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