How much is Hyundai Tucson insurance in Michigan?
For the driver profile in our methodology, a 2024 Hyundai Tucson costs between $76/mo at the state minimum and $453/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $76 – $127 | $912 – $1,524 |
| Liability Only | Higher limits; still nothing for your car | $97 – $161 | $1,164 – $1,932 |
| Full CoverageMost ownersYou’re viewing this tier | Adds damage to your Tucson, theft, glass | $230 – $384 | $2,760 – $4,608 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $272 – $453 | $3,264 – $5,436 |
What full coverage includes
- Liability at recommended limits, above 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited)
- Comprehensive: theft, hail, vandalism, fire, animal strike, glass
- Collision on the Tucson, $500 deductible
- Uninsured/underinsured motorist — not listed as part of the state minimum here
What Michigan requires to drive a Tucson
Michigan lists 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) as the liability floor. That is what makes a Tucson legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited)
- Fault system
- Michigan is a no-fault state — PIP typically rides on every policy.
- PIP
- Personal injury protection is required at this state’s minimum.
- Uninsured motorist in the minimum
- UM/UIM is not listed as part of the state minimum in our registry — it is typically added, not assumed.
Tucson insurance cost by model year
Newer models cost more to insure — a 2024 Tucson runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $230 – $384 | $97 – $161 | — |
| 2023 | $219 – $365 | $96 – $159 | −5% |
| 2022 | $209 – $349 | $95 – $158 | −9% |
| 2021 | $200 – $334 | $93 – $155 | −13% |
| 2020 | $191 – $319 | $91 – $151 | −17% |
Tucson vs. comparable vehicles
How the Tucson stacks up against the vehicles shoppers most often cross-shop it with — the Toyota RAV4 insures for about 7% less in Michigan. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. Tucson | Why it differs |
|---|---|---|---|
| Hyundai Tucson | $230 – $384 | — | Segment-average claim severity |
| Toyota RAV4 | $213 – $355 | −7% | RAV4 ducks the Hyundai theft-wave surcharge on comprehensive. |
| Nissan Rogue | $213 – $355 | −7% | Rogue rates similarly with a cleaner theft profile. |
| Subaru Forester | $213 – $355 | −7% | Forester's standard AWD raises repair cost but lowers at-fault frequency. |
Tucson insurance cost by Michigan city
Detroit drivers pay about 30% above the state average while Grand Rapids runs 6% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. MI average |
|---|---|---|
| Detroit | $299 – $499 | +30% |
| Warren | $258 – $430 | +12% |
| Flint | $253 – $422 | +10% |
| Ann Arbor | $225 – $376 | −2% |
| Grand Rapids | $216 – $361 | −6% |
Why Tucson insurance costs what it costs
Full coverage on a 2024 Hyundai Tucson in Michigan stacks recommended liability limits on top of 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited), plus comprehensive and collision at a $500 deductible. Lenders and lessors typically require that stack for the life of the loan; Michigan law itself does not.
The Tucson is a SUV in the mainstream MSRP tier, with near-segment-average claim severity in our model and a 5-star NHTSA overall rating in our registry. It also carries NICB Hot Wheels rank #17, which our model applies as a comprehensive surcharge.
About 58% of this modeled full-coverage premium is comprehensive and collision — the part that tracks the Tucson's replacement and repair cost rather than Michigan's liability floor. The $250-deductible sibling is $272 – $453.
Detroit is modeled 30% above the MI average ($299 – $499/mo full coverage on this Tucson); Grand Rapids is modeled 6% below at $216 – $361. Those city factors scale the same band as the hero — they are not a second rate file.
What the model knows about this Tucson
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Rank #17On-list vehicles get a comprehensive surcharge in rates.ts.
- MSRP tier
- mainstreamReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- moderateClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is full coverage the right tier for you?
- The Tucson is financed or leased — the lender’s contract typically requires comprehensive and collision
- You want a modeled $230 – $384/mo cap on repairing this mainstream-tier SUV instead of paying a shop out of pocket
- You want first-party coverage on the Tucson for crash and non-crash damage
- A paid-off Tucson whose actual cash value is well below ~$2,760–$4,608 a year in modeled full-coverage premium
- Very low annual miles where you would rather keep liability and drop the first-party lines
- Drivers who already keep $500+ reserved and want to price the $250-deductible tier ($272 – $453) before deciding
$500 vs $250 deductible on a Tucson
On a Tucson this model prices a $250 deductible at $42–$69/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverageYou’re viewing this tier | $500 | $230 – $384 | $2,760–$4,608 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $272 – $453 | $3,264–$5,436 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on full coverage
These are typical market add-ons, not Michigan mandates and not priced in our rate model. Confirm each line on a quote.
- Rental reimbursement
If this Tucson is your only car, a shop visit without a rental add-on is an out-of-pocket week.
Not automatic on full coverage. Typical market price cited elsewhere on this site is $5–15/mo — confirm on the quote, do not treat that as a filed MI rate.
- Loan/lease payoff (gap)
New or financed Hyundai Tucson: actual cash value after a total loss can sit below the loan.
State law does not require gap. Lenders sometimes sell it at the dealership; price it against the same add-on on the auto policy.
- Roadside assistance
Useful on a SUV you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
Carriers that commonly quote Michigan
These are carriers we have real logos for and that commonly quote Michigan. We do not publish a per-carrier Tucson price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
State FarmBundling + agents
How to lower your Tucson rate
- Raise your deductible to $1,000. On a Tucson premium this is the single biggest lever you control directly.Saves ~$25–$46/mo
- Shop at least three carriers. Rates for the identical Tucson profile differ by 2x or more between carriers in Michigan.Saves up to $1,000+/yr
- Right-size your PIP. Michigan is a no-fault state — if your health insurance already covers auto injuries, coordinating or trimming PIP limits cuts a mandatory coverage you may be double-paying.Saves 5–15%
- Add an anti-theft device. The Tucson is on the NICB most-stolen list — a tracked immobilizer or kill switch earns a filed comprehensive credit with most carriers.Saves 3–10%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the Michigan Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Hyundai Tucson insurance in Michigan: FAQ
01Is full coverage required on a financed Tucson in Michigan?
Typically yes, by contract — not by Michigan statute. The state floor is 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited). A lender can force-place a policy if you drop comprehensive or collision. This page models the $500-deductible stack at $230 – $384.
02What does Michigan actually require to drive a Tucson?
Michigan lists 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $230 – $384 for a 2024 Hyundai Tucson.
03Does Tucson insurance cost more in Detroit than in Grand Rapids?
In this model, yes — Detroit is 30% vs the MI average ($299 – $499/mo full coverage) and Grand Rapids is -6% ($216 – $361). Same 2024 Hyundai Tucson, same driver profile; only the city factor changes.
04Does the Tucson's NICB rank change this Michigan premium?
Our model applies a comprehensive surcharge when a vehicle is on the NICB top-100 list. The Tucson is rank #17. That is a modeled modifier, not a carrier’s filed theft factor for your ZIP.
05When does dropping collision on an older Tucson in Michigan make sense?
When the car’s actual cash value is no longer worth a modeled $2,760–$4,608 a year in full coverage. A common rule of thumb is to drop first-party coverages when 10× the annual premium exceeds the car’s value — keep the liability portion either way. Michigan still wants 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) on the road.
