Is car insurance higher for Hyundai owners?

Insurance Issues Topics
1

I’ve been driving a Hyundai for years, but always shared a car with my mom. Now, I’m ready to get my own, and I’m considering a 2024 or 2025 Hyundai Kona N Line.

A coworker told me insurance companies will drop you if you get into an accident just because it’s a Hyundai. She knows someone whose insurer canceled their policy after a crash, so now she refuses to buy one. I don’t think that makes sense, but it made me wonder if there’s any truth to it.

For reference, I currently have Travelers insurance with my mom. We live in NY, and I’ve been driving her 2001 Hyundai Elantra since she got it in 2003.

Has anyone with a newer Hyundai had issues with their insurance? Have your rates been crazy high? I’ve heard some people are paying over $500 a month just because of the brand. That can’t be right, can it?

2

That’s not true. The only Hyundai models having trouble with insurance are the older ones with key ignitions. I have a 2022 and pay around $160 a month for good coverage.

3

Brielle2 said:
That’s not true. The only Hyundai models having trouble with insurance are the older ones with key ignitions. I have a 2022 and pay around $160 a month for good coverage.

I have a 2023 Sonata Hybrid SEL, and adding it to my policy increased my monthly payment by $130. Push-button start seems to be the key—if you get a Hyundai with a regular key ignition, insurers will either charge you more or refuse coverage.

4

@Benaiah
In my experience, some insurance companies don’t care about the ignition type. I have a 2022 Santa Fe with push-to-start, and half the insurers I called wouldn’t even quote me.

5

VIOLAHZ said:
@Benaiah
In my experience, some insurance companies don’t care about the ignition type. I have a 2022 Santa Fe with push-to-start, and half the insurers I called wouldn’t even quote me.

Could be an issue with how they classify certain models. I have a 2023 and had no problem getting quotes. Do some 2022 models still have keyed ignition?

6

@Benaiah
It’s not even about the ignition. The moment I mentioned we had a Hyundai, they stopped the conversation. It’s not a database issue—they’re just not writing new policies for Hyundai or Kia models. My wife has a 2019 Sportage with a keyed ignition, and even after she got the fix applied, they still wouldn’t cover her.

I think some 2022 Santa Fe base models might still have keyed ignitions, but mine is an SEL Premium with push-to-start.

7

@VIOLAHZ
Seems like a regional thing. I didn’t have any issues getting insurance for mine.

8

Benaiah said:
@VIOLAHZ
Seems like a regional thing. I didn’t have any issues getting insurance for mine.

Yeah, it probably depends on the area. I’m in Colorado, and theft rates are high. Progressive was the first one to refuse me.

9

@VIOLAHZ
That’s interesting. I have Progressive here in Kansas, and they covered my 2023 Sonata with no issues. I also have an '08 Chrysler Sebring and a '14 Ram 2500, all full coverage, and my total bill is $260 a month.

10

@Benaiah
My wife’s driving record isn’t great, so that could be part of it. We have full coverage on her 2019 Sportage and my 2022 Santa Fe, and our rate just dropped to $450 a month with a $500 deductible.

11

@VIOLAHZ
Ouch. My wife and I have clean records, and we’re in our 60s. If I had to pay $450 a month, I’d probably sell a car.

12

Brielle2 said:
That’s not true. The only Hyundai models having trouble with insurance are the older ones with key ignitions. I have a 2022 and pay around $160 a month for good coverage.

That’s what I thought. If insurance companies were dropping people just for driving a Hyundai, it would be all over the news.

13

@William_Johnson
Yeah, and you can always check insurance quotes before buying to see what your rate would be.

14

Brielle2 said:
@William_Johnson
Yeah, and you can always check insurance quotes before buying to see what your rate would be.

That’s definitely something I’ll do.

15

Brielle2 said:
@William_Johnson
Yeah, and you can always check insurance quotes before buying to see what your rate would be.

Make sure to check multiple companies—some are stricter on Hyundai models than others.

16

Have you asked your insurance agent? They’ll give you real info, not just rumors from coworkers or the internet. Including me.

17

britney said:
Have you asked your insurance agent? They’ll give you real info, not just rumors from coworkers or the internet. Including me.

Fair point. I’ll call them when I’m ready to buy, but I figured I’d see if anyone else had experienced this first.

18

@William_Johnson
You should call them sooner rather than later. Get quotes on the Kona and similar cars, like the Mazda CX-30 or Toyota Corolla Cross. If there’s a big price difference in insurance, it’s better to know before you waste time shopping.

19

@esleystanley
That makes sense! I’ve also been considering the CX-30 and CX-90 since a lot of people seem to be buying them.

20

William_Johnson said:
@esleystanley
That makes sense! I’ve also been considering the CX-30 and CX-90 since a lot of people seem to be buying them.

I was looking at the CX-30 too but ended up with a Kona because I got a good deal on a certified pre-owned one. You might want to check Hyundai’s and Mazda’s websites for CPO cars—they’re often cheaper than new but still have a warranty.