Cheap Hyundai XG350 Car Insurance in 2025 (Big Savings With These 10 Companies!)

If seeking for cheap Hyundai XG350 car insurance, State Farm, USAA, and Progressive stand out as the top picks overall. State Farm, starting at just $56 per month, leads the pack with its competitive pricing and comprehensive coverage options.

USAA and Progressive also offer affordable rates and a range of benefits, making them excellent choices for Hyundai XG350 owners looking to save on car insurance.

Our Top 10 Company Picks: Cheap Hyundai XG350 Car Insurance

These companies are known for their exceptional customer service and hassle-free claims process, providing peace of mind to drivers.

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Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.

#1 – State Farm: Top Overall Pick

Pros

• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
• High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
• Wide Coverage: State Farm offers various coverage options tailored for different business needs. See more details on our “State Farm Insurance Review & Ratings.”

Cons

• Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
• Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.

#2 – USAA: Best for Military Discounts

Pros

• Competitive Rates: USAA offers some of the most competitive rates in the industry.
• Top-Rated Customer Service: USAA is known for its exceptional customer service. Read up on the “USAA Insurance Review & Ratings” for more information.
• Military Discounts: USAA provides special discounts and benefits for military members and their families.

Cons

• Limited Membership: USAA membership is limited to military members, veterans, and their families.
• Online-Only Services: USAA primarily operates online and through its mobile app, which may not suit everyone’s preferences.

#3 – Progressive: Best for Snapshot Program

Pros

• Competitive Rates: Offers competitive pricing and various discounts.
• Snapshot Program: Progressive’s Snapshot program rewards safe driving habits with lower rates.
• Name Your Price Tool: Progressive’s tool helps customers find a policy that fits their budget. More information is available about this provider in our “Progressive Insurance Review & Ratings.”

Cons

• Rate Increases: Progressive has been known to increase rates significantly after the first term.
• Limited Local Agents: Progressive primarily operates online, which may be a disadvantage for those who prefer face-to-face interaction.

#4 – Allstate: Best for New Car

Pros

• New Car Replacement: Allstate offers new car replacement coverage, which replaces your vehicle with a new one of the same make and model.
• Accident Forgiveness: Allstate provides accident forgiveness, so your rates won’t increase after your first at-fault accident. Discover insights in our “Allstate Insurance Review & Ratings.”
• Drivewise Program: Allstate’s Drivewise program offers discounts for safe driving habits.

Cons

• Higher Premiums: Allstate’s premiums can be higher compared to some competitors.
• Coverage Options: Some customers may find that Allstate’s coverage options are not as customizable as they would like.

#5 – Farmers: Best for Signal App

Pros

• Signal App: Farmers offers the Signal app, which tracks your driving habits and can lead to discounts for safe driving.
• Customizable Policies: Farmers allows customers to customize their policies to fit their specific needs.
• Customer Service: Farmers is known for its excellent customer service. Unlock details in our “Farmers Insurance Review & Ratings.”

Cons

• Coverage Limitations: Some customers may find that Farmers’ coverage options are limited compared to other providers.
• Rates: Farmers’ rates may be higher for certain demographics or locations.

#6 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide offers a vanishing deductible program, which lowers your deductible for safe driving. Check out insurance savings in our complete “Nationwide Insurance Review & Ratings.”
• Bundle Discounts: Nationwide provides discounts for bundling multiple policies.
• Wide Range of Coverage: Nationwide offers a wide range of coverage options to meet different needs.

Cons

• Costs: Nationwide’s premiums may be higher compared to some competitors.
• Customer Satisfaction: Nationwide has received mixed reviews regarding its customer service.

#7 – Liberty Mutual: Best for RightTrack Program

Pros

• RightTrack Program: Liberty Mutual’s RightTrack program offers discounts for safe driving habits. Access comprehensive insights into our “Liberty Mutual Review & Ratings.”
• Customizable Policies: Liberty Mutual allows customers to customize their policies to fit their specific needs.
• Accident Forgiveness: Liberty Mutual provides accident forgiveness, so your rates won’t increase after your first at-fault accident.

Cons

• Rates: Liberty Mutual’s rates may be higher compared to some competitors.
• Limited Availability: Liberty Mutual may not be available in all states or areas.

#8 – Travelers: Best for IntelliDrive Program

Pros

• IntelliDrive Program: Travelers offers the IntelliDrive program, which tracks your driving habits and can lead to discounts for safe driving. Delve into our evaluation of “Travelers Insurance Review & Ratings.”
• Variety of Discounts: Travelers provides a variety of discounts to help customers save on their premiums.
• Strong Financial Stability: Travelers has a strong financial stability rating, ensuring they can meet their financial obligations.

Cons

• Customer Service: Some customers have reported issues with Travelers’ customer service.
• Limited Availability: Travelers may not be available in all states or areas.

#9 – AAA: Best for Member Discounts

Pros

• Member Discounts: AAA offers discounts for its members on car insurance and other services.
• Roadside Assistance: AAA provides roadside assistance as part of its membership benefits.
• Strong Reputation: AAA is known for its strong reputation and customer satisfaction. Check out insurance savings in our complete “AAA Insurance Review & Ratings.”

Cons

• Membership Required: AAA’s car insurance is only available to AAA members.
• Limited Coverage Options: Some customers may find that AAA’s coverage options are limited compared to other providers.

#10 – The Hartford: Best for AARP Benefits

Pros

• AARP Benefits: The Hartford offers benefits and discounts for AARP members.
• Customer Service: The Hartford is known for its excellent customer service. Learn more in our “The Hartford Insurance Review & Ratings.”
• Variety of Coverage Options: The Hartford offers a wide range of coverage options to meet different needs.

Cons

• Costs: The Hartford’s premiums may be higher compared to some competitors.
• Limited Availability: The Hartford may not be available in all states or areas.

Hyundai XG350 Insurance Rates: Coverage & Provider Comparison

When it comes to insuring your Hyundai XG350, the monthly rates can vary significantly depending on the coverage level and insurance provider.

Hyundai XG350 Car Insurance Monthly Rates by Coverage Level & Provider

For minimum coverage, State Farm offers the most affordable option at $47 per month, followed closely by USAA at $52. For full coverage, State Farm again leads the pack with a rate of $93 per month, showcasing their competitive pricing and comprehensive coverage options. On the other hand, The Hartford has the highest rates for both minimum and full coverage at $79 and $147 per month, respectively.

It’s essential to compare quotes from different providers to find the best coverage at the most affordable price for your Hyundai XG350. Discover more about offerings in our “How To Get Free Insurance Quotes Online.”

Factors That Determine Hyundai XG350 Car Insurance Rates

When it comes to insuring your Hyundai XG350, there are various factors that insurance companies take into account to determine your car insurance rates. These factors can differ from one insurance provider to another, but some common ones include:

• Age and Gender: Younger drivers, especially males, are generally considered riskier to insure and may face higher insurance premiums.
• Driving Record: Your driving history plays a significant role in determining your insurance rates. A clean driving record with no accidents or traffic violations will generally help lower your premiums.
• Location: The area where you live also affects your insurance rates. If you reside in a high-crime area or an area with a high rate of accidents, your insurance premiums may be higher.
• Vehicle Model and Age: The make, model, and age of your Hyundai XG350 will impact your insurance rates. Newer and more expensive cars may require higher coverage, resulting in higher premiums.
• Credit Score: Some insurance companies may consider your credit score when determining your rates. A lower credit score could potentially lead to higher premiums.
• Driving Experience: Another factor that insurance companies consider when determining car insurance rates for a Hyundai XG350 is the driver’s level of driving experience. Drivers with more years of experience and a clean driving record are often seen as less risky to insure, which can result in lower insurance premiums.

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Understanding Car Insurance Coverage for Hyundai XG350

Before delving into the costs associated with Hyundai XG350 car insurance, it’s important to have a solid understanding of different coverage options available for your vehicle. Car insurance typically consists of several types of coverage:

• Liability Coverage: This coverage is essential and typically required by law. It provides compensation for injuries and damages to others in case you are at fault in an accident.
• Collision Coverage: Collision coverage pays for damages to your Hyundai XG350 caused by an accident, regardless of who is at fault.
• Comprehensive Coverage: Comprehensive coverage protects your vehicle from non-collision incidents such as theft, vandalism, or natural disasters.
• Personal Injury Protection (PIP): PIP coverage provides medical expenses and lost wages coverage for you and your passengers in the event of an accident.
• Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are involved in an accident with a driver who has insufficient insurance or no insurance at all.

When determining the appropriate car insurance coverage for your Hyundai XG350, it’s important to consider factors such as the age and condition of your vehicle. Older vehicles may not require comprehensive coverage, as the cost of repairs may exceed the value of the car.

Additionally, if you have a loan or lease on your Hyundai XG350, your lender may require you to carry certain types and amounts of coverage.

It’s also worth noting that car insurance rates can vary based on factors such as your driving record, location, and credit history. It’s a good idea to shop around and compare quotes from different insurance providers to ensure you’re getting the best coverage at the most affordable price.

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