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 vary by provider from $123 to $267 monthly. Minimum coverage ranges from $77 to $174, while full coverage costs $162 to $381. Rates vary due to 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
Car insurance for a Hyundai Palisade varies widely by location, ranging from $41 monthly in Wyoming to $444 monthly in Louisiana.
| 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
Your driving profile, especially age and driving record, heavily influences Hyundai Palisade insurance costs. Monthly premiums reach $401 for young drivers under 25 with clean records, while adult drivers between 26-64 without violations pay as little as $158 monthly.
| 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?
Compared to the rest of the models on the U.S. market, a Hyundai Palisade ranks 563rd out of 827, making it one of the more expensive cars to insure. Among mid-size SUVs, the model ranks as the sixth-most expensive vehicle compared to similar models.
| 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
Several factors affect what you'll pay for Hyundai Palisade insurance:
- Age Range: Primary buyers aged 35-55, with average new SUV buyer age around 53 - mature demographics result in lower accident rates and insurance premiums
- Family Status: Predominantly families with children needing 3-row seating, seeking safety over performance. These responsible drivers qualify for family and multi-vehicle discounts
- Income Level: Higher household incomes ($75,000-$150,000+) attracted to the premium positioning and luxury features, enabling bundling opportunities
- Insurance Rate Impact: Family SUV classification and mature buyer demographics result in moderate premiums averaging $154-$250/month depending on trim level. Excellent safety ratings (5-star NHTSA, IIHS Top Safety Pick) provide additional discounts up to 10%
Average Repair or Replacement Costs
Hyundai ranks fourth in repair affordability among 59 U.S. automakers with median annual costs of $587. Hyundai Palisade repair costs average $925 annually, making it one of Hyundai's most expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
Insurance costs vary across seven trim levels. Base SE models average $2,204 annually, while fully loaded Calligraphy trims can exceed $2,800+ annually. Premium features affecting rates include dual panoramic sunroofs, Nappa leather seating, advanced infotainment systems and comprehensive driver assistance packages.
The luxurious Calligraphy trim offers Genesis-level amenities that increase replacement values. New 2026 models introduce hybrid powertrains and enhanced tech features, potentially raising premiums for these advanced variants. Higher trim levels also attract family buyers who may qualify for multi-vehicle and homeowner discounts.
Fuel Type
All current Palisades use the proven 3.8L V6 gasoline engine producing 291 hp, avoiding electric vehicle premium surcharges. Fuel economy of 19-26 mpg is typical for the class. The new 2026 model introduces a 329 hp hybrid option that may command slightly higher insurance rates due to complex dual powertrains and specialized repair requirements.
But, hybrid models may qualify for green vehicle discounts up to 10% with some insurers. The robust V6 engine's reliability record helps keep premiums reasonable compared to turbocharged alternatives. All-wheel drive versions cost modestly more to insure due to additional complexity.
Location
The SUV's popularity in suburban family areas with good safety records helps moderate rates. Strong sales performance with 110,055 units sold in 2024 (up 23% year-over-year) ensures nationwide parts availability and dealer service networks.
Urban areas see higher rates due to increased theft risk for premium SUVs, while rural family communities often enjoy 15% to 20% lower premiums. The Palisade's excellent safety ratings provide regional rate advantages.
Driver Profile
Palisade owner demographics favor lower insurance rates:
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
What is the average cost of car insurance for a Hyundai Palisade?
The Hyundai Palisade's average annual insurance cost is $1,285 yearly for state minimum coverage and $2,503 for full coverage.
What company has the cheapest car insurance for a Hyundai Palisade?
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.
Are Hyundai Palisades expensive to insure?
Yes, Hyundai Palisade insurance costs more than most cars. Out of 827 vehicles we track, the Palisade ranks 563rd for affordability
What factors affect insurance costs for Hyundai Palisades?
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.
How can I lower Hyundai Palisade insurance costs?
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 insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.