Rates quoted on July 20, 2026 for a 50-year-old male driver with a clean record in Tampa, FL (ZIP 33612). Your rate will vary based on credit, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.

Three carriers quoted the same 2018 Hyundai Tucson insurance profile in Tampa this week, and the gap between them was steep. Progressive came in at $1,437 for six months on this profile. GEICO landed at $4,116 for the same driver, same vehicle, same coverage. That’s a $2,679 swing for identical protection.

This kind of spread isn’t rare. Carriers weigh the same driver differently based on their own claims history, risk models, and pricing algorithms. Two carriers can look at the same clean record and the same 2018 Hyundai Tucson and land more than $2,600 apart on price. The only way to know where you stand is to shop the same coverage across more than one carrier, which is exactly what we did here.

We pulled these 2018 Hyundai Tucson insurance numbers directly from each carrier’s own online quoting tool, using one consistent driver profile and one consistent coverage package. Nothing here is a marketing rate or a teaser price. It’s what a real applicant would see typing in the same information at each carrier’s site on the same day.

The Driver Profile

We built this 2018 Hyundai Tucson insurance quote around a real-world profile with no red flags:

• 50-year-old male driver, divorced
• Lives in Tampa, FL (ZIP 33612), at his current address for 3 years
• Works as a civil engineer, employed full time
• Licensed in Florida for 23 years with a clean record: zero accidents, zero violations, no DUI in the last five years
• Drives 18,000 miles a year, including a 32-mile daily commute
• Previously insured with USAA for 7 years, no lapse in coverage
• Owns his home; does not have other vehicles on the policy

The Coverage Package

Every carrier was asked to quote the same limits so the numbers stay comparable:

• Bodily injury liability: 100/300
• Property damage liability: $100,000
• Comprehensive deductible: $500
• Collision deductible: $500
• Uninsured/underinsured motorist coverage: yes

CARRIER	6-MONTH PREMIUM	MONTHLY	VS. LOWEST
Progressive	$1,437	$239.50	baseline
Liberty Mutual	$3,818	$636.33	+$2,381
GEICO	$4,116	$686.00	+$2,679
Travelers	not captured	–	hard decline

Source: InsuranceRateGuard.com quote data, July 2026. Quotes pulled directly from each carrier’s website using the profile above.

A note on that last row: Travelers didn’t return a price for this specific profile — the online tool returned a hard decline rather than a quote. That’s a decision on this driver and ZIP code, not a sign Travelers has stopped quoting online generally. We’ll update this comparison if that changes on our next pull.

Carrier-by-Carrier Breakdown

Here’s how each carrier priced this 2018 Hyundai Tucson insurance quote, carrier by carrier.

Progressive quoted the lowest number on this profile at $1,437 for six months, or $239.50 a month. Reaching the full target package took four separate coverage-editor edits, touching liability, uninsured motorist, comprehensive, and collision. Progressive matched the driver’s occupation exactly as “civil engineer,” so this number reflects the profile as entered, with no substitutions.

Liberty Mutual quoted $3,818 for six months, or $636.33 a month, after two rounds of coverage edits. Raising the bodily injury limit automatically pulled property damage and uninsured motorist coverage up with it, and turning on comprehensive unlocked the collision option. One thing worth flagging here: Liberty Mutual builds its RightTrack telematics program into the policy with no way to opt out. That’s different from carriers where telematics is optional, so a shopper comparing this quote against others should know the price already assumes telematics participation.

GEICO came in highest at $4,116 for six months, or $686 a month. GEICO’s starting quote left out uninsured motorist, comprehensive, and collision coverage by default, so the number only reflects the full target package after running the coverage editor’s recalculate step. GEICO’s system also had no exact match for “civil engineer” and substituted the closest generic listing, “engineer.” That’s a small variance worth knowing about: an actual civil engineer quoting directly with GEICO could see a slightly different number depending on how that occupation gets classified.

Travelers didn’t return a number this round for the reason noted above. We’ll check this profile again with Travelers on a future update.

What Drives 2018 Hyundai Tucson Insurance Costs

The vehicle itself plays a real role in these numbers, separate from the driver behind the wheel. The 2018 Hyundai Tucson is a compact SUV, and compact SUVs generally price lower than trucks or performance cars because of moderate repair costs and a strong safety record. That said, a 2018 model is old enough that comprehensive and collision coverage may be worth less than the deductible for some owners, especially once the vehicle is a few years past this one.

Two vehicle-specific factors matter most for 2018 Hyundai Tucson insurance pricing: parts and labor costs for repairs, and how often the model shows up in theft or claims data. SUVs with widely available parts tend to repair cheaper than imports with limited dealer networks, which keeps comprehensive and collision premiums in check. A driver cross-shopping a different body style, like a sedan or a truck, would likely see a different baseline before any carrier even looks at the driver’s own record. Our guide to car insurance rates by vehicle type breaks down how body style and safety ratings shift pricing across the board.

Why Florida Drivers Pay What They Pay

Tampa drivers face a few cost pressures that don’t show up the same way in most other states. Florida runs a no-fault insurance system, which means every driver carries personal injury protection (PIP) regardless of who caused the crash.

The Insurance Information Institute explains that no-fault states require this coverage so medical bills get paid quickly after a crash, without waiting on a fault determination. That mandatory coverage adds cost to every policy sold in the state, full stop. It’s part of why a 2018 Hyundai Tucson insurance quote in Tampa can run well above what the same driver and vehicle would see in a tort state.

Florida drivers also pay more than most of the country on average. Insurify’s 2026 Florida data puts full-coverage premiums well above the national average, driven by the same PIP mandate, high claims volume, and elevated uninsured motorist exposure described here.

Florida also has one of the highest shares of uninsured drivers in the country. The Insurance Research Council estimates Florida’s uninsured motorist rate at 20.6 percent, seventh-highest in the nation — well above the 6.69 percent rate the Florida Department of Highway Safety and Motor Vehicles itself reports under its registered-vehicle PIP/PDL methodology. That’s roughly one in five drivers on the road without coverage, which pushes insured drivers toward carrying uninsured motorist protection and pushes carriers to price for that risk across the board. This driver’s coverage package includes uninsured/underinsured motorist protection for exactly that reason.

Tampa adds its own layer on top of the statewide picture. Dense traffic corridors and a higher concentration of claims and fraud activity in Florida’s urban corridors tend to push premiums above the state’s rural average, even before a carrier looks at any individual driver’s record. None of this shows up as a line item on a quote, but it’s baked into every Florida rate a shopper sees, including the three above.

A Tampa driver comparing this Hyundai Tucson against a different vehicle type might see a different spread entirely, and a driver in a different Florida city might see a different spread on the exact same vehicle. Our state-by-state car insurance guide covers how Florida stacks up against other states on average cost, which helps put this $1,437-to-$4,116 range in context.

How to Save on Insurance

A few concrete moves can bring a quote like this down without dropping coverage the driver actually needs.

1. Shop the same coverage across at least three carriers. The $2,679 gap in this comparison shows why a single quote never tells the full story.
2. Bundle home and auto with one carrier. This driver owns his home, and most carriers, including all three quoted here, offer a discount for combining an auto policy with a homeowners policy.
3. Ask each carrier how deductibles change the price. Raising a collision or comprehensive deductible from $500 to $1,000 often knocks a meaningful chunk off the premium; our deductibles explainer walks through the tradeoffs.
4. Ask whether telematics is optional or built in. Liberty Mutual’s RightTrack program came with no opt-out on this quote. If a driver isn’t comfortable sharing driving data, that’s worth confirming before buying.
5. Re-shop every 12 months. Carrier pricing models shift often enough that last year’s cheapest option isn’t always this year’s.
6. Confirm your occupation is classified correctly. GEICO’s quote substituted a generic “engineer” listing here. A quick call to confirm the exact job title is on file can close small pricing gaps like that one.

None of these moves require dropping coverage this driver actually needs; they just make sure the price matches the risk. The $2,679 spread in this 2018 Hyundai Tucson insurance comparison is the clearest evidence that a single quote, from any one carrier, never tells the whole story. Shopping a 2018 Hyundai Tucson insurance quote every year, especially after a move, a new vehicle, or a change in driving habits, is the one habit that keeps a policy priced fairly over time.

Sources Used

• InsuranceRateGuard.com quote data, pulled directly from Progressive, Liberty Mutual, and GEICO, July 2026
• Insurance Information Institute: No-Fault Auto Insurance
• Insurify: Florida Car Insurance Average Cost 2026
• Florida Department of Highway Safety and Motor Vehicles: Uninsured Motorist Rate

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For related reading, see our state-by-state car insurance guide for how Florida compares nationally, and our credit score vs. credit-based insurance score explainer for how underwriting factors beyond driving record shape a quote.