Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Nov 9, 2020

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Here's what you need to know...

  • Hyundai are low-priced vehicles, which usually cost less to insure
  • Insurance companies have several reasons that they set their car insurance premiums at the rates they do
  • Having points on your driving record increases your monthly car insurance premiums

The Hyundai is a relatively low-priced vehicle, but those who purchase them have not skimped on quality. These vehicles are known for being very well made as well as being economical.

The other added bonus to purchasing a Hyundai is it will be a vehicle that is inexpensive to insure. Enter your zip code above and compare car insurance quotes for FREE!

Hyundai Cars Have a Great Reputation

Insurance companies are highly impressed with the Hyundai.

So much so that some insurance companies will offer discounts to their clients just because they are driving Hyundai vehicles.

Because of the reasons listed above and the fact that Hyundais are inexpensive, insurance companies go out of their way to encourage Hyundai owners to purchase their Hyundai car insurance from them.

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Hyundai Vehicles Have Been Vigorously Tested

The manufacturers of Hyundai have made it a point to ensure that their vehicles can perform in any type of condition. They’re built to withstand severe weather as well as on difficult terrain.

Tests of the Hyundai have been performed in several simulated places such as:

  • New York City
  • Death Valley, where the heat can be excruciating
  • A 100,000-mile wear test to determine how well their cars will endure for that many miles

Hyundai History Makes Them Easy Vehicles to Insure

Insurance companies have several reasons that they set their car insurance premiums at the rates they do.

One of those reasons is the vehicle’s claim history.

Those vehicles that require a policyholder’s claims to be much more expensive for the insurance company than a less expensive vehicle will be charged higher premiums.

Because the Hyundai has not resulted in the most expensive claims being filed, Hyundai owners can expect to be quoted low car insurance rates.

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External Reasons That May Raise Insurance Rates

Although the Hyundai is a less expensive car to insure, some people may not be able to expect to receive the lowest rates.

The reason would not be because of the type of vehicle they own, but because of something within the driver’s past or demographics including:

  • Driving record
  • The number of claims they have been filed with the previous insurance company
  • A low credit score
  • Being male
  • Being under the age of 25
  • Being a new driver
  • Parking the car on the street or in a driveway at night
  • Large number of miles driven
  • Driving in an urban area

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How the Driving Record Affects Insurance Premiums

Drivers who have been looking for ways to lower their insurance premiums may choose to purchase a vehicle such as the Hyundai because it generally costs so little to insure.

But drivers that have a spotty driving record will have difficulties qualifying for those lower premiums.

One reason is the points they may have on their records.

Points are given to drivers in California because:

  • The driver caused an accident (1 point)
  • Received a traffic ticket for a minor offense (1 point)
  • Being cited for reckless driving (2 points)
  • Continuing to drive after a driver’s license has been suspended or canceled (2 points)
  • Driving away after causing an accident (2 points)
  • Being convicted of a DUI (2 points)

Danger of Losing One’s Driving Privileges

The amount of time that drivers take to accumulate the points that can be received is also important to the car insurance companies because these drivers can be in danger of losing their licenses to drive.

Those who take the least time to receive the most points will give insurance companies cause to consider these drivers to be high risks.

For example, in California, the DMV will suspend or revoke a driver’s license if:

  • Four points were received within a 12 month period
  • Six points were added within two years
  • Eight points were acquired during a three year period of time

Every year, people need to renew their auto insurance, and when they do this the insurance companies will review their clients’ driving records.

When an insurance company discovers that a client has received four new points in the past year, their premiums will either be raised or their coverage will not be renewed.

How to Receive Lower Premiums

Dangerous drivers, those with several points on their driving records, will have made a good choice in choosing to purchase a Hyundai.

If these same drivers purchase sports cars, they would have a very difficult time qualifying for low insurance premiums, but the easier to insure Hyundai vehicles will help them to be seen as drivers who want to change their ways.

The number of points on a driver’s record causes insurance companies to consider them a high risk, but these drivers may be able to find auto insurance with certain companies.

Find out all of the car insurance discounts for good driving!

The Hyundai impresses insurance agents greatly, and those who have several points on their driving records have an advantage over those who drive more expensive vehicles.

Do a car insurance comparison quote search today and see how easy it is to receive an affordable quote for the insurance that is needed! Enter your zip code below to get started for FREE!