Hyundai Palisade insurance costs average $107 monthly for minimum coverage and $209 for full coverage. Depending on your specific trim and model year, costs can range from $69 monthly for a 2023 Hyundai Palisade to $284 for a 2022 Hyundai Palisade monthly.
Hyundai Palisade Insurance Cost
Key Takeaways
Hyundai Palisade insurance costs range from $69 to $284 monthly depending on your specific trim level and model year.
The Palisade ranks 563rd out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000 to 2025.
Travelers offers the most affordable full coverage for the Hyundai Palisade at $162 monthly, while minimum coverage starts at just $77 per month.
How Much Is Hyundai Palisade Insurance?
| Hyundai Palisade | $107 | $209 |
Hyundai Palisade Insurance Cost by Model Year
Your Hyundai Palisade's model year and available trims affect your insurance rates, with newer vehicles generally costing more due to higher fair value. Monthly premiums for different Palisade model years range from $81 to $258, creating budget differences depending on which year you choose.
| 2025 | $110 | $215 |
| 2024 | $106 | $206 |
| 2023 | $81 | $158 |
| 2022 | $133 | $258 |
| 2021 | $116 | $225 |
| 2020 | $100 | $195 |
Hyundai Palisade Insurance Cost by Trim
Your Hyundai Palisade's trim level impacts insurance costs. Premium trims with advanced features and higher market values cost more to insure than basic models. Monthly rates range from $81 for base trims to $250 for top Calligraphy editions based on our research.
| Xrt Sport Utility 4d | $81 | $158 |
| Se | $89 | $173 |
| Se Sport Utility 4d | $89 | $174 |
| Sel | $95 | $185 |
| Xrt | $101 | $197 |
| Sel Sport Utility 4d | $106 | $206 |
| Sel Premium | $108 | $210 |
| Limited | $115 | $223 |
| Limited Sport Utility 4d | $117 | $228 |
| Calligraphy | $121 | $235 |
| Calligraphy Sport Utility 4d | $123 | $240 |
| Calligraphy Night Edition | $128 | $250 |
Does Upgrading Your Trim Increase Hyundai Palisade Insurance Costs?
Hyundai Palisade trim upgrades add to your insurance bill gradually and predictably — there's no single step that dramatically changes the cost.
Moving from the base SE to the Calligraphy Night Edition adds $92 a month, or about $1,104 a year. Most buyers stepping up to the SEL Premium or Limited — the most common landing spots — are looking at an extra $52–70 a month ($624–840/yr). Whether that's meaningful depends on your budget, but there are no surprises hiding in the trim ladder here.
Compare Personalized Hyundai Palisade Insurance Costs
Data filtered by:
2020
Se Sport Utility 4d
| Se Sport Utility 4d | $87 | $169 |
Hyundai Palisade Insurance Cost by Company
Hyundai Palisade insurance costs range from $123 to $267 a month depending on the provider. Minimum coverage ranges from $77 to $174 a month and full coverage ranges from $162 to $381 a month.
Rates differ because insurers use different risk assessment models.
| AAA | $124 | $258 |
| AIG | $154 | $381 |
| Allstate | $133 | $256 |
| Amica | $136 | $278 |
| Chubb | $142 | $283 |
| Farmers | $160 | $282 |
| GEICO | $77 | $169 |
| Kemper | $132 | $272 |
| Nationwide | $104 | $181 |
| Progressive | $107 | $201 |
| State Farm | $102 | $212 |
| The Hartford | $123 | $209 |
| Travelers | $88 | $162 |
| UAIC | $174 | $219 |
Hyundai Palisade Insurance Cost by State
Location has a wide effect on Palisade insurance costs. Wyoming drivers pay as little as $41 a month, while Louisiana drivers pay as much as $444 a month.
| Alabama | $89 | $171 |
| Alaska | $76 | $161 |
| Arizona | $127 | $238 |
| Arkansas | $91 | $204 |
| California | $102 | $205 |
| Colorado | $109 | $261 |
| Connecticut | $141 | $244 |
| Delaware | $142 | $238 |
| Florida | $129 | $299 |
| Georgia | $149 | $248 |
| Hawaii | $56 | $125 |
| Idaho | $57 | $117 |
| Illinois | $98 | $184 |
| Indiana | $71 | $139 |
| Iowa | $66 | $160 |
| Kansas | $79 | $185 |
| Kentucky | $132 | $225 |
| Louisiana | $208 | $444 |
| Maine | $57 | $118 |
| Maryland | $158 | $268 |
| Massachusetts | $108 | $229 |
| Michigan | $179 | $344 |
| Minnesota | $90 | $188 |
| Mississippi | $97 | $194 |
| Missouri | $138 | $276 |
| Montana | $89 | $211 |
| Nebraska | $81 | $185 |
| Nevada | $186 | $336 |
| New Hampshire | $75 | $133 |
| New Jersey | $171 | $283 |
| New Mexico | $90 | $202 |
| New York | $129 | $232 |
| North Carolina | $91 | $178 |
| North Dakota | $70 | $153 |
| Ohio | $79 | $153 |
| Oklahoma | $102 | $227 |
| Oregon | $123 | $215 |
| Pennsylvania | $95 | $224 |
| Rhode Island | $130 | $233 |
| South Carolina | $105 | $197 |
| South Dakota | $62 | $190 |
| Tennessee | $83 | $169 |
| Texas | $131 | $268 |
| Utah | $116 | $199 |
| Vermont | $50 | $120 |
| Virginia | $99 | $161 |
| Washington | $93 | $174 |
| West Virginia | $95 | $195 |
| Wisconsin | $72 | $158 |
| Wyoming | $41 | $131 |
Hyundai Palisade Insurance Cost by Driver Profile
Age and driving record are the two biggest factors in Palisade insurance costs. Drivers under 25 with clean records pay up to $401 a month. Drivers between 26 and 64 without violations pay as little as $158 a month.
| Adult Drivers | $107 | $209 |
| Young Drivers | $274 | $528 |
| Senior Drivers | $143 | $264 |
| Drivers With a Speeding Ticket | $133 | $262 |
| Drivers With an Accident | $158 | $305 |
| Drivers With a DUI | $198 | $381 |
| Drivers With Bad Credit | $258 | $521 |
Is a Hyundai Palisade Expensive to Insure?
The Palisade ranks 563rd out of 827 U.S. models by insurance cost, putting it in the more expensive half of the market. Among mid-size SUVs specifically, it ranks sixth-most expensive.
| Isuzu Rodeo | $54 | $103 |
| Gmc Envoy | $70 | $136 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Mercury Mariner | $76 | $145 |
| Mitsubishi Montero | $76 | $147 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Hyundai Veracruz | $81 | $157 |
| Chevrolet Trailblazer | $83 | $160 |
| Ford Explorer | $84 | $162 |
| Nissan Pathfinder | $85 | $163 |
| Subaru Outback | $85 | $163 |
| Jeep Wrangler | $86 | $166 |
| Chevrolet Traverse | $86 | $167 |
| Gmc Acadia | $87 | $168 |
| Toyota 4Runner | $87 | $169 |
| Jeep Wrangler Unlimited | $89 | $173 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Kia EV6 | $99 | $194 |
| Ford Bronco | $103 | $201 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
| Jeep Wrangler 4xe | $125 | $242 |
| Jeep Grand Cherokee 4xe | $127 | $247 |
Factors That Affect Hyundai Car Insurance Costs
These factors determine what you'll pay for Palisade insurance:
Average Repair or Replacement CostsHyundai ranks fourth in repair affordability among 59 U.S. automakers, with median annual repair costs of $587. The Palisade averages $925 a year in repair costs (the high end of the Hyundai lineup), and that higher repair cost is reflected in its insurance premiums.
Vehicle Trim, Features and AccessoriesInsurance costs vary across seven trim levels. Base SE models average $2,204 a year, and fully loaded Calligraphy trims can exceed $2,800 a year. Features that raise replacement value (like dual panoramic sunroofs, Nappa leather seating, advanced infotainment and driver assistance packages) push premiums higher at upper trim levels.
The 2026 model's hybrid powertrain and added tech features raise premiums further for those variants. Buyers at higher trim levels may also qualify for multi-vehicle and homeowner discounts.
Fuel TypeCurrent Palisades use a 3.8L V6 gasoline engine producing 291 hp, which sidesteps the premium surcharges that come with electric vehicles. The 2026 model adds a 329 hp hybrid option that may come with higher premiums due to its dual powertrain and specialized repair requirements.
Some insurers discount hybrid models by up to 10%. All-wheel drive versions cost more to insure than front-wheel drive versions due to added mechanical complexity.
LocationUrban areas see higher rates due to theft risk, and rural areas can see premiums 15% to 20% lower. The Palisade's safety ratings reduce rates in some regions. Palisade sales reached 110,055 units in 2024, up 23% year-over-year, and that volume supports parts availability and dealer service networks nationwide.
Cheapest Hyundai Palisade Insurance Companies
Travelers is cheapest for Hyundai Palisade full coverage at $162 a month. GEICO is cheapest for minimum coverage at $77 a month.
| GEICO | $77 | $169 |
| Travelers | $88 | $162 |
| Nationwide | $104 | $181 |
| Progressive | $107 | $201 |
| State Farm | $102 | $212 |
Cheapest Hyundai Palisade Insurance by State
We found that these three insurers offer the most affordable Hyundai Palisade coverage:
- Travelers: Offers the cheapest rates in 15 states
- GEICO: Provides the most affordable coverage in 12 states
- American National: Wins for affordability in four states
Filter below to find which company offers the best auto insurance rates for your Hyundai Palisade.
Data filtered by:
Alabama
| Alabama | Travelers | $73 |
How to Get the Best Cheap Hyundai Palisade Insurance
- 1Choose the right coverage
Coverage needs depend on how you own the car.
Tight budget (you own the car):
- State minimum liability requirements
- Comprehensive and collision with a $1,000 deductible
Better protection (you own the car):
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
Coverage Limits Explained ($100,000/$300,000/$100,000):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Check average auto insurance costs for your vehicle before you shop. That number tells you whether your current rate is competitive and whether a new quote is a real improvement. Use it alongside a list of the cheapest car insurance companies to find a better price.
- 3Look for more than just low rates
Price isn't everything with car insurance. Check J.D. Power satisfaction scores, Better Business Bureau complaints and AM Best financial strength ratings. Forum reviews on claims handling are worth reading too. A cheap policy with slow or disputed claims can cost more than a slightly higher premium from a reliable insurer.
- 4Explore discounts you qualify for
Hyundai Palisade owners qualify for several discounts based on the vehicle's buyer demographics and safety ratings.
- Bundling/multi-policy discount (15% to 25% savings): Over 90% of Palisade owners are homeowners. Bundling auto and home with one carrier saves $300 to $600 a year for most families.
- Multi-car discount (10% to 20% savings): Three-row SUV buyers average 2.3 vehicles per household. Adding the Palisade to an existing family policy typically cuts costs on all covered vehicles immediately.
- Good driver discount (10% to 20% savings): The median Palisade buyer is 50, an age that typically qualifies for mature driver rates and clean-record discounts at most insurers.
- Safety feature discount (5% to 15% savings): The Palisade earned 2024 IIHS Top Safety Pick recognition and NHTSA's 5-Star Overall Safety Rating. Standard SmartSense features (forward collision-avoidance assist and blind-spot monitoring) qualify for advanced safety technology discounts at many insurers.
- Family/occupation discount (5% to 15% savings): Over 50% of three-row SUV buyers have children under 18. Many Palisade owners work in education, healthcare or engineering, which are professions that qualify for professional group rates at some insurers.
- 5Consider alternative car insurance types
Hyundai Palisade owners should consider usage-based insurance or programs that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing quotes from multiple insurers each year can cut your Hyundai Palisade insurance by up to 24%. Rates change, and what's cheapest today may not be next year.
Hyundai Palisade Insurance Cost: Bottom Line
Insuring a Hyundai Palisade costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Hyundai Palisade Insurance Rates: FAQ
The Hyundai Palisade's average annual insurance cost is $1,285 yearly for state minimum coverage and $2,503 for full coverage.
GEICO offers the cheapest minimum coverage auto insurance for a Hyundai Palisade, with an annual minimum coverage rate of $1,070. For those looking for full coverage policies, Travelers is the most cost-effective option at $2,034 per year.
Yes, Hyundai Palisade insurance costs more than most cars. Out of 827 vehicles we track, the Palisade ranks 563rd for affordability
Several factors increase Hyundai Palisade insurance rates. Repairs cost more on higher trims due to premium features and advanced technology. Your driving record and credit score, plus the coverage you pick, play a significant role. Geographic location also influences rates. Areas with higher theft rates or limited Hyundai-certified service centers may cost more.
Shop around with multiple insurers as rates vary for Hyundais, and consider usage-based insurance programs that track your driving habits.
Take advantage of Hyundai's safety features (SmartSense suite, forward collision-avoidance assist) when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Hyundai Palisade Insurance Costs
Our Research Approach
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025.
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and 12,000 miles driven a year.
Minimum coverage meets state-required liability limits.
Full coverage provides 100/300/100 liability (that's $100,000 per person, $300,000 per accident for injuries, $100,000 for property damage) plus comprehensive and collision protection with $1,000 deductibles. This robust coverage pays for damage to your Palisade after accidents, theft, vandalism, or weather events.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.