Best Car Insurance for a Hyundai Palisade (2022)
Hyundai Palisade insurance rates average around $129 per month. That figure changes based on coverage level, your age, the trim level of your Hyundai Palisade, your location, and the discounts that you qualify for.
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UPDATED: Mar 29, 2022
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- Hyundai Palisade insurance rates average around $1,556 per year or $129 a month
- Your car insurance rates vary depending on the company you choose, your age, your car’s age, and your location
- Discounts may be based on your risk status, occupation, or frequency of travel, so explore multiple insurance companies’ offers before making a decision
The Hyundai Palisade is known for its luxury SUV design. It’s equipped with alert functions for traffic on either side of the driver, blind spots, and lane departures, and includes touchscreen consoles for controlling Bluetooth devices and GPS systems.
If you’ve just purchased one of these vehicles, investing in Hyundai Palisade insurance is a must. After all, it’s illegal to drive in the United States unless you can prove that you can pay for any accidents you cause. Unless you live in New Hampshire or Virginia, you must have a car insurance policy to meet this requirement.
Whether you’re a first-time car owner or you’ve had car insurance before, we’ll walk you through the average cost of insurance for a Hyundai Palisade. Then, we’ll look at some ways to reduce the cost of car insurance and help you compare quotes from the top auto insurance companies.
How much does car insurance cost for a Hyundai Palisade?
Expect to pay around $1,556 per year, or $129 per month, if you want to fully insure your Hyundai Palisade. This rate includes $398 per year for liability insurance, which reduces your personal financial responsibility for other people’s property. For instance, if you lose traction on an icy road and knock over someone’s fence, your liability coverage pays for the property owner’s repairs.
The total Hyundai Palisade insurance cost also involves $344 in comprehensive insurance rates. If your Hyundai gets damaged without hitting another car, your comprehensive policy helps you get your vehicle back on the road. Non-collision accidents include damage from weather, animal strikes, and graffiti.
Finally, plan to pay around $656 per year in collision insurance. If you do get in an accident with another car, you can use your collision coverage to fix your vehicle even when you’re not at fault. This coverage is particularly helpful when the other party is responsible for the crash but is uninsured or does not carry an extensive liability insurance policy.
If you want the highest levels of coverage, you could pay upward of $3,370 annually in Hyundai Palisade insurance. If you’re wondering how to reduce the cost of auto insurance, the cheapest plans average around $460 per year, and they include only liability insurance. Before signing up for these low-cost plans, make sure that it’s legal to drive in your state without comprehensive or collision coverage.
Factors That Affect Hyundai Palisade Car Insurance Rates
In addition to the extent of your chosen car insurance coverage, your personal information affects the average cost to insure a Hyundai Palisade. The younger you are, the more you pay for insurance. Young drivers have less experience on the road and may be less able to predict the outcome of dangerous behaviors:
- Distracted driving
- Drinking alcohol
As a result, they’re more likely to cause accidents and are riskier to insure.
Your car’s age also affects your insurance rates. A new Palisade includes more safety features than older models, which is a point in your favor with insurance companies. At the same time, newer cars are worth more money and repairs tend to be more expensive because replacement parts are not always readily available. Therefore, new cars usually have high insurance rates.
Insurance companies want to know where you live and work so they can calculate how risky your driving time is. If you live in a rural area and don’t travel far for work, your location should bring your rates down. On the other hand, if you live in a metropolis and drive for hours on crowded urban streets, you’re much more likely to get in an accident. To adjust for these risks, Hyundai Palisade rates for major cities average around $2,101, a figure that drops to approximately $1,170 for rural districts.
Possibilities for Discounts
If the rates you receive for Hyundai Palisade insurance are higher than you’d like, ask insurance companies about their discounts. Some offer lower rates for clean driving records or proof of driver improvement classes. Others have discounts for veterans, active-duty military family members, and students. In addition, if you can prove that you drive much less than their average customer, you may be eligible for a low mileage discount.
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How To Get the Best Deal on Hyundai Palisade Insurance
No matter how high of a risk you pose to insurance companies, comparing prices on car insurance quotes is the best way to save money. Looking at options from different companies ensures that you don’t get unfairly charged and take advantage of any discounts.
If you’re not sure how to compare insurance rates, start by determining how much coverage you need in your state. Then, put your ZIP code into a free quote comparison tool. Answer a few questions about your car’s make and model, your driving record, and your financial details to get the most precise quotes.
Once you’ve got your quotes, click on each offer to see what the package includes; all policies are not created equal. Always check the value of your proposed deductibles or how much you have to pay before your Hyundai Palisade insurance company begins assisting you.
The Bottom Line on Hyundai Palisade Insurance
Determining insurance rates for your Hyundai Palisade is a complicated process, and it can be confusing to receive different quotes. Your rates vary based on how much coverage you’re paying for, how likely you are to cause an accident, and how many price comparisons you’re willing to do.