The Best Auto Insurance for Hyundai in 2025

GEICO continues to insure Hyundais, including popular models like the Accent, Elantra, Sonata, Tucson and others. While USAA and Erie offer cheaper rates on average than GEICO, their availability is limited. GEICO is available nationwide, regardless of military affiliation (though it does offer special discounts for active and retired military members).

Affordable Rates for Your Hyundai

After USAA and Erie, whose availability is limited, GEICO has the lowest average full coverage rates among our top picks, at $1,731 annually. You can also save money on premiums by taking advantage of the discounts available with GEICO:

• Bundling: Reduce your premiums by shopping for all your insurance needs with GEICO — whether it’s renters insurance, homeowners insurance, life insurance or another product.
• DriveEasy: When you track your driving habits with the GEICO app, you can save up to 15 percent on premiums.
• Defensive driver course: Get a discount when you complete an approved course on defensive driving.
• Good driver: If you’re free of moving violations and at-fault accidents for at least one year in a row, you’ll earn a discount. Your savings may increase the longer you go without a violation or accident.
• Safe vehicle: Hyundai vehicles are known for their safety features, which can also lower your auto insurance bills.

Mechanical Breakdown Insurance

If you’ve just purchased or leased a Hyundai vehicle, GEICO offers mechanical breakdown insurance (MBI) to ensure your car stays in good shape. You can opt for mechanical breakdown insurance in place of an extended warranty, as it provides more comprehensive coverage. 

While an extended warranty only addresses repairs from defective materials or manufacturing, MBI pays for much more: repairs for vehicle breakdowns, replacement parts and other mechanical issues.

You qualify for this coverage if:

It doesn’t cover typical maintenance costs like oil changes, brake pad replacements or tire rotations. However, it may be worth considering if you want to ensure that your vehicle gets regular maintenance without worrying about the costs. Once you sign up, you’ll be able to keep MBI on your policy for up to seven years or 100,000 miles.  

Significant Multivehicle Discounts 

With strong fuel efficiency ratings, Hyundai vehicles are often a good choice for families. As of 2025, Kelley Blue Book named Hyundai models among its most fuel-efficient cars, including the Hyundai Elantra and Hyundai Sonata.²

If you and members of your household own more than one Hyundai, you can get up to 25 percent off with GEICO’s multivehicle discount. GEICO offers the biggest multivehicle savings when stacked up against its competitors. Combined with discounts you can stack on your policy, GEICO makes it easy for owners of Hyundai vehicles to save.  

If your household has a young driver behind the wheel of your Hyundai, AAA is a good choice. Its discounts can reduce your premiums while the roadside services that come with an AAA membership ensure that your loved ones are protected on the road.

Ways for Young Drivers to Save

Hyundai vehicles are a practical choice for families with young drivers. In fact, in its roundup of the safest vehicles for teenage drivers, the Insurance Institute for Highway Safety named several Hyundai models:

• Hyundai Sonata
• Hyundai Tucson
• Hyundai Santa Fe
• Hyundai Kona
• Hyundai Ioniq 6 (except dual-motor)
• Hyundai Santa Cruz
• Hyundai Palisade ³

After safety, the next concern for many families is cost. If you’re looking for ways to save on car insurance for a young driver, AAA is unique in offering several paths toward earning its student discount. To apply, young drivers must be less than 25 years old and unmarried and fulfill one of the following criteria:

1. Complete the TeenSMART driver education program.
2. Go to school at least 100 miles away from home or wherever the car is garaged.
3. Attend school full-time and hold a GPA of at least 3.0 (a B average).

Note that AAA discounts vary by regional club. An agent can confirm availability and eligibility requirements.

Roadside Offerings

Since you must be an AAA member to be eligible for a car insurance policy, you get roadside assistance automatically. It may be more expensive to get an AAA membership than to purchase roadside assistance from another provider. However, AAA usually offers more comprehensive services, with a large network of service providers across the country and efficient response times. 

Plus, AAA’s benefits aren’t limited to the car owned by a member. As long as you have your AAA membership card, you can apply these benefits to any vehicle. For families with younger and less experienced drivers, roadside assistance can offer invaluable peace of mind.

Depending on your membership tier, there are different benefits:

Mexico Car Insurance

If you’re planning a trip to Mexico in your Hyundai, it’s important to adhere to Mexico’s insurance requirements. AAA partners with insurance providers in Mexico to provide the needed additional coverage.

When you purchase Mexico tourist insurance, you can get the following coverages, provided you hold similar coverages on your separate domestic policy:

• Bodily injury and property damage liability (up to $500,000)
• Physical damage and theft (similar to comprehensive and collision)
• Medical payments
• Legal assistance if you’re involved in an accident
• Roadside assistance

You can purchase these coverages whether you drive your own Hyundai or rent another car in the U.S. and drive it into Mexico.

USAA offers financial services, including auto insurance, to military members and their families. It’s known for competitive rates and holds an A++ financial strength rating from AM Best, meaning you can count on the company to pay for claims.

Competitive Auto Insurance Rates

The exact cost of insuring a Hyundai with USAA depends on the model, year, location and other factors — but in general, USAA offers low rates. The provider offers the cheapest full coverage rates among our top picks at around $1,407 annually.

In addition, USAA offers the following discounts:

Better Car Replacement Coverage

A recent survey found that for over a decade, Hyundai customers have been the most loyal among automakers.⁵ In the event of a total loss, if you want to stick with your Hyundai and give it an upgrade (or buy a vehicle of another make), USAA has you covered. When you purchase car replacement assistance coverage, USAA will give you an extra 20 percent of the actual cash value of the car. To purchase this coverage, you must also carry collision and comprehensive and cannot lease your vehicle.

Emergency Roadside Services

If your Hyundai breaks down, USAA offers the following emergency roadside services:

• Towing (to the nearest repair shop)
• Winching for a stuck vehicle
• Jump-starting
• Fuel delivery (cost of fuel not included)
• Lockout assistance
• Flat tire change (spare required)

Services are free if you purchase roadside assistance coverage. However, even if you don’t hold coverage, USAA offers services at negotiated rates, which it claims are usually lower than what you pay by contacting the service provider directly. In addition to the U.S., USAA offers roadside services in Mexico (within 75 miles of the border), Canada and in the base country where the policy is issued for deployed members.

Erie offers affordable full coverage for Hyundai owners and valuable add-ons through its Erie Auto Plus package, making it a strong choice for those seeking more than basic coverage. Erie is a regional provider and is only available in 12 states and Washington, D.C.

Additional Coverages 

Erie offers some excellent add-on options for Hyundai owners who want extra protection. While you may be satisfied with a standard policy, additional coverages can save you money in the long run. Here are some of the extra coverages Erie provides:

• Better car protection: If your Hyundai is totaled, Erie will pay for you to upgrade to a vehicle that is up to two model years newer.
• Roadside assistance: Erie offers 24-hour roadside assistance if your Hyundai breaks down.
• Rental car: If your Hyundai is undergoing repairs from a covered accident, Erie will cover the cost of a rental car. 
• Accident forgiveness: Your premiums will not increase after your first at-fault accident.
• Rideshare: Covers you during the period when you’ve accepted a ride request or are transporting passengers.

Upgraded Protection for Hyundai Owners

In addition to individual add-on coverages, Erie offers additional protection with Erie Auto Plus. While additional coverages like better car protection ensure your Hyundai is adequately protected, Erie Auto Plus makes it easier if you end up in a major accident. It includes:

• Diminishing deductible
• $10,000 death benefits
• Additional days of transportation expense coverage 
• Waived deductibles in certain situations, including if an accident affects both your covered car and covered home
• Increased coverage limits for locksmiths, personal items, emergency travel and nonowned trailers.

Excellent Claims Satisfaction Ratings

Erie’s highly-rated claims process is a major plus if you ever need to file a claim for your Hyundai. USAA and certain AAA clubs also score well on independent measures of claims satisfaction.

If you have an SR-22, poor credit, or another designation that makes finding insurance difficult, consider Acceptance for your Hyundai.

Insurance for High-Risk Individuals

If you fall into any of the following categories, you may buying auto insurance for your Hyundai difficult:

• You have a history of DUI convictions, at-fault accidents, or traffic violations.
• You have low credit (a score of under 600).
• You park your car in an area with high rates of theft or vandalism.
• You have a limited driving history (including teen or new drivers).
• You don’t have an insurance record, or your record shows late payments or a violation of insurance terms.

Providers can turn you away if they feel you pose too high a risk to insure. Acceptance specializes in nonstandard insurance, meaning it takes on drivers with high-risk designations. Additionally, as with many insurers, if you need an SR-22, Acceptance will file it for you. It offers all of the standard coverages:

• Bodily injury and property damage liability
• Personal injury protection and medical payments
• Uninsured or underinsured motorist
• Collision and comprehensive
• Roadside assistance
• Rental reimbursement

Unique Roadside Coverage Package

A 2025 Hyundai Ioniq 5 can reach 60 mph in 3.3 seconds, with a top speed of 115 mph. While its performance is impressive, it doesn’t always bode well for speeding tickets.⁸ If you’re concerned about the cost of tickets on your budget (whether for speeding or another violation), consider purchasing Acceptance’s roadside coverage.

Most insurance providers offer roadside assistance and rental reimbursement coverages, but typically, you’ll have to buy them separately. Acceptance is unique in that it offers a combined roadside and rental offering — plus an uncommon ticket reimbursement perk.

Acceptance’s roadside assistance is available in the U.S., Canada, and Puerto Rico.

Other Insurance Options

With roomy interiors and raised suspensions for a smooth ride, the Hyundai Kona and Tucson make great cars for dog owners. Even better, the provider has a multipolicy discount, so you can get all of your insurance policies in one place. Acceptance doesn’t specify a discount, so contact them directly to find out what you qualify for. In addition to auto coverage, Acceptance sells pet insurance. It includes the following plans:

• Accident only
• Accident and illness
• Wellness and preventative care
• Add-ons for physical therapy, acupuncture, cancer treatment, etc.

In addition to pet insurance, Acceptance also offers the following policies and subscriptions:

• Commercial
• Homeowners and renters
• Hospital indemnity
• Life
• Motorcycle
• Outdoor vehicle
• Telemedicine
• Travel