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Hyundai Tucson insurance cost UK 2026

A Hyundai Tucson costs around £760 a year to insure in the UK in 2026 — close to the £711 national average, which is competitive for a mid-size family SUV. The petrol 1.6 TGDi starts in insurance group 12, the mild-hybrid versions sit in groups 13–17, the full hybrid in groups 18–20, and the plug-in hybrid in groups 21–24. Full age-by-variant breakdown, insurance groups, cheapest insurers and how to cut your quote below.

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Direct Answer

How much does Hyundai Tucson insurance cost in 2026?

The typical Hyundai Tucson comprehensive premium is around £760 a year in 2026 for an average UK driver — just above the £711 all-cars national average reported by the Confused.com / WTW Price Index, which has fallen about 9% year-on-year. That headline figure hides a wide spread: the entry petrol 1.6 TGDi (group 12) is reasonable for an SUV, while the full hybrid (group 18–20) and plug-in hybrid (group 21–24) cost more because of higher values and costly battery and drivetrain repairs.

As with any car, who is driving matters more than the badge. The same petrol Tucson can cost a 17-year-old well over £2,300 and a settled over-50s driver under £545. Engine and trim then stack on top: the petrol and mild-hybrid models are the affordable volume choice, the full hybrid sits a step higher, and the PHEV and the 2.0 CRDi 4WD diesel are the priciest to cover. Any Tucson first registered after 1 August 2024 is now rated under the Vehicle Risk Rating (VRR) system rather than the old 1–50 group scale.

Driver profile1.6 TGDi petrol / mild hybrid (group 12–17)1.6 Hybrid HEV (group 18–20)1.6 PHEV / 2.0 CRDi 4WD (group 21–24)
17–19, newly passed£2,350£2,650£2,950
20–24£1,120£1,290£1,460
25–29£800£915£1,040
30–49£660£760£855
50–64£545£625£700
65+£600£685£765

Sources: Confused.com / WTW Q1 2026 Car Insurance Price Index (£711 UK average), ABI Motor Insurance Premium Tracker, Finder UK Hyundai Tucson data (Tucson average ~£760/yr; groups 12–24), and a Car Insurance Expert composite quote sample for comprehensive Tucson cover across major UK insurers. Figures are indicative annual premiums; individual quotes vary by postcode, mileage, claims history and excess. Refresh: 19 September 2026.

Insurance Groups

What insurance group is a Hyundai Tucson?

The Hyundai Tucson spans roughly group 12 to group 24 across the range, so the engine and electrification drive most of the premium. Lower group = cheaper to insure. Typical Thatcham ratings on the 1–50 scale (current fourth-generation NX4 model):

  • 1.6 TGDi petrol (2WD) — group 12 — the cheapest Tucson to insure, in SE Connect or N Line trim
  • 1.6 TGDi 48V mild hybrid (MHD) — group 13–17 — the volume seller; group rises with DCT auto and Premium trim
  • 1.6 CRDi diesel mild hybrid — group 13–15 — efficient, similar groups to the petrol MHD
  • 1.6 TGDi Hybrid 230 (HEV) — group 18–20 — full hybrid; battery and drivetrain complexity push it up
  • 1.6 TGDi Plug-in Hybrid (PHEV) — group 21–23 — 4WD auto; highest value mainstream Tucson
  • 2.0 CRDi 185PS 48V mild hybrid 4WD — group 24 — the most powerful diesel and the top insurance group in the range

Two structural reasons the Tucson rates as it does: it is a mid-size SUV with a higher list price, more advanced driver-assist sensors and pricier bodywork than a supermini, yet Hyundai builds it in big volumes with widely available parts and a strong five-star safety record, which keeps the petrol versions reasonable. The hybrid and PHEV models add high-voltage batteries and drivetrains that are expensive and specialised to repair, which is why they sit near the top of the range. Any Tucson registered after 1 August 2024 is scored on the Vehicle Risk Rating (VRR) system, which folds in security, safety and repairability alongside performance and value.

Cheapest Cover

Cheapest insurers for a Hyundai Tucson in 2026

The Tucson is a high-volume family SUV, so most mainstream insurers quote competitively for the petrol and mild-hybrid models — the full hybrid and PHEV variants are where it pays to shop hardest. Providers that consistently quote well for Tucson drivers in 2026:

  • LV= (Liverpool Victoria) — well priced for 30+ drivers on petrol and mild-hybrid Tucson, Defaqto 5-star cover
  • Aviva — strong for over-50s and multi-car households running a Tucson
  • Hastings Direct — competitive across mid-range driver ages
  • Admiral — good on multi-car policies and younger Tucson drivers
  • Direct Line / Churchill — not on comparison sites, worth a separate quote
  • NFU Mutual — often competitive for higher-value hybrid and PHEV Tucson cover
  • Saga / Rias — worth trying for over-50s drivers, who buy a lot of Tucsons

The single biggest saving lever is to run quotes across at least two comparison sites plus the direct-only insurers (Direct Line, NFU Mutual), then check the renewal against new-customer prices every year. On a Tucson PHEV, get an extra quote or two because plug-in repair costs make pricing more variable between insurers. Loyalty rarely pays on a car this widely quoted.

How to Lower It

Six ways to cut your Hyundai Tucson premium

  1. Choose the petrol or mild hybrid, not the PHEV — the 1.6 TGDi petrol (group 12) can be over £150 a year cheaper to insure than the full hybrid and far cheaper than the plug-in. If insurance cost matters more than fuel economy, the petrol or 48V mild hybrid is the value pick.
  2. Add a telematics black box — for under-25 Tucson drivers this saves an average of around £370/year. Admiral LittleBox and Marmalade lead this market; best suited to the petrol models a young driver is most likely to buy.
  3. Increase your voluntary excess — moving from £150 to £400 voluntary excess typically trims 8–15% off a Tucson premium, provided you could fund that excess after a claim.
  4. Build and protect your no-claims discount — five years' protected NCD can knock 60%+ off versus a new driver, and is the main reason the over-50s rows in the table above are so low.
  5. Keep it secure against keyless theft — SUVs with keyless entry are a relay-theft target. Use a Faraday pouch for the key, fit a Thatcham-approved tracker or a steering lock, and park on a driveway or in a garage to keep the theft element of your premium down.
  6. Pay annually and tighten the mileage estimate — paying in one go avoids ~20–30% APR finance charges, and an honest but lean annual mileage figure (e.g. 7,000 vs 12,000) reduces the quote. Never under-declare mileage you actually drive.
Common Questions

Hyundai Tucson insurance FAQs

A typical comprehensive Hyundai Tucson premium is around £760 a year in 2026 for an average UK driver, just above the £711 all-cars national average from the Confused.com / WTW Price Index. The petrol 1.6 TGDi sits near that figure, while the full hybrid and plug-in hybrid cost more. The realistic spread runs from about £545 for a settled over-50s driver on a petrol Tucson to well over £2,900 for a 17-year-old on a PHEV.
The Tucson spans roughly group 12 to group 24. The 1.6 TGDi petrol is group 12 and the cheapest to insure; the 1.6 mild-hybrid petrol and diesel are group 13-17; the full hybrid (HEV) is group 18-20; the plug-in hybrid (PHEV) is group 21-23; and the 2.0 CRDi 185PS mild-hybrid 4WD is group 24. Choosing the petrol or mild hybrid over the PHEV is the single biggest insurance saving on the range.
Not especially for a mid-size SUV. The petrol 1.6 TGDi sits in group 12, which is reasonable for a car this size, so it is only just above the £711 UK average. The full hybrid (group 18-20) and plug-in hybrid (group 21-24) are more expensive because of higher values and costly battery and drivetrain repairs. Overall the Tucson is competitive against rivals like the Kia Sportage and Nissan Qashqai, and cheaper than premium-badged SUVs of similar size.
Yes. The full hybrid (HEV) sits in group 18-20 and the plug-in hybrid (PHEV) in group 21-24, versus group 12-17 for the petrol and mild-hybrid models. Although the electrified versions are cheaper to run, their high-voltage batteries and hybrid drivetrains are costly and complex to repair, fewer body shops are qualified to work on them, and the cars are worth more. Expect the hybrid and PHEV to cost more to insure than an equivalent petrol Tucson, typically by £100-£200 a year for a mid-range driver.
A 17-19-year-old typically pays around £2,350 a year for a petrol Tucson on standard comprehensive cover, rising to about £2,650 for the hybrid and £2,950 for the PHEV. A telematics black-box policy from Marmalade or Admiral LittleBox saves under-25 drivers an average of about £370 a year. Most new drivers should stick to the 1.6 TGDi petrol - it is the cheapest Tucson to insure - though a smaller hatchback would be cheaper still for a first car.
The cheapest Tucson to insure is the 1.6 TGDi petrol (2WD) in SE Connect trim, which sits in insurance group 12. The 1.6 mild-hybrid petrol and diesel (group 13-17) are the next step up. Avoid the full hybrid (group 18-20) and especially the plug-in hybrid (group 21-24) if your priority is the lowest possible premium. Specifying a lower trim with smaller alloy wheels, and 2WD rather than 4WD, also helps keep the group, and the quote, down.
They are very close - all three are mainstream family SUVs in a similar group band. The Tucson averages about £760 a year, the Kia Sportage about £795, and the Nissan Qashqai falls in the same £700-£800 range, so the exact ranking depends far more on your engine choice, age and postcode than on the badge. The Tucson and Sportage share much of their mechanical platform, so their groups overlap closely. Always compare the specific variant you want rather than the model name alone.
Only slightly. N Line is a sporty styling trim rather than a performance engine, so a 1.6 TGDi N Line still starts around group 12 and sits close to the equivalent SE Connect or Premium trim. It can nudge the group up a point or two because of larger alloy wheels, body styling and a higher list price, which raise repair and replacement costs. It is not in the same league as a true hot SUV - the bigger insurance jumps on the Tucson come from choosing the hybrid, PHEV or 2.0 diesel 4WD, not the N Line look.

Our sources for this guide

  • Confused.com / WTW Q1 2026 Car Insurance Price Index — UK average premium £711, down ~9% year-on-year (based on 6m+ quotes). View index
  • ABI Motor Insurance Premium Tracker — UK comprehensive premium trend data
  • Finder UK — Hyundai Tucson average comprehensive premium ~£760/yr and insurance-group spread (groups 12–24) by variant. Source
  • NimbleFins — Hyundai Tucson running and insurance cost data
  • Thatcham Research — insurance group ratings (groups 1–50) and the post-Aug-2024 Vehicle Risk Rating system
  • Car Insurance Expert composite quote sample — 2026 indicative comprehensive Tucson premiums across major UK insurers, by driver age and variant

Reviewed by the Car Insurance Expert editorial team

Reviewed by the Car Insurance Expert editorial team (Motor Insurance Research Editor). Methodology: national-average figures are taken from the published Confused.com / WTW and ABI indices; Tucson-specific premiums are an indicative composite quote sample across major UK insurers and are clearly labelled as such — we do not sell insurance or hold primary quote data. Premium figures and insurance groups are refreshed quarterly; regulatory and group-rating information is checked annually.

Spotted an error or want to suggest content? Email editorial@carinsuranceexpert.co.uk.

Last updated: 19 June 2026 · Next scheduled review: 19 September 2026

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