Hyundai Elantra Insurance Rates
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UPDATED: May 13, 2024
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If you want to know the best way to secure a reliable Hyundai Elantra auto insurance policy, you’ll need to understand a few basics. First, the average Hyundai Elantra insurance rates amount to $1,372 a year for full coverage.
There are a number of factors that influence an individual’s rate, such as the model year of your car. For example, the Hyundai Elantra insurance cost of a 2014 Hyundai Elantra is far less expensive than a 2020 Elantra because it’s older, and therefore not as valuable.
The car’s style will also impact your rates. Hyundai Elantra GT insurance rates
will be different than Hyundai Elantra Sport insurance rates.
This comprehensive article contains all of the information you need to know so you can start comparing Hyundai Elantra car insurance quotes like an expert.
In fact, you can enter your five-digit ZIP code into our free online tool to view affordable Hyundai Elantra auto insurance rates from multiple companies right now.
The average insurance rates for a Hyundai Elantra are $1,348 a year with full coverage. Comprehensive insurance costs on average $256 each year, collision costs $536, and liability costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing $2,942 or more. 16-year-old drivers cost the most to insure at $5,118 a year or more.
Average premium for full coverage: $1,348
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Elantra models.
Price Range Variability
For a driver in their 40's, Hyundai Elantra insurance rates go from as low as $460 for minimum levels of liability insurance to a high rate of $2,942 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested cities.
The graphic below illustrates how location helps determine car insurance rates.
The examples above demonstrate why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details estimated Hyundai Elantra insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $770
- Using higher $1,000 deductibles will save around $178 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,348
- Buying low deductibles for physical damage coverage will cost an extra $354 annually
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,942 or more
- Policy cost for full coverage for a 16-year-old driver may cost $5,118 or more
Car insurance rates for a Hyundai Elantra also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $5,100 a year. View Rates by Age
Your home state has a huge impact on Hyundai Elantra insurance prices. A driver around age 40 might see rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or at least $1,820 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,220 | -$128 | -9.5% |
Alaska | $1,036 | -$312 | -23.1% |
Arizona | $1,120 | -$228 | -16.9% |
Arkansas | $1,348 | -$0 | 0.0% |
California | $1,538 | $190 | 14.1% |
Colorado | $1,290 | -$58 | -4.3% |
Connecticut | $1,390 | $42 | 3.1% |
Delaware | $1,528 | $180 | 13.4% |
Florida | $1,688 | $340 | 25.2% |
Georgia | $1,246 | -$102 | -7.6% |
Hawaii | $970 | -$378 | -28.0% |
Idaho | $914 | -$434 | -32.2% |
Illinois | $1,008 | -$340 | -25.2% |
Indiana | $1,016 | -$332 | -24.6% |
Iowa | $912 | -$436 | -32.3% |
Kansas | $1,284 | -$64 | -4.7% |
Kentucky | $1,842 | $494 | 36.6% |
Louisiana | $1,998 | $650 | 48.2% |
Maine | $834 | -$514 | -38.1% |
Maryland | $1,112 | -$236 | -17.5% |
Massachusetts | $1,080 | -$268 | -19.9% |
Michigan | $2,346 | $998 | 74.0% |
Minnesota | $1,130 | -$218 | -16.2% |
Mississippi | $1,618 | $270 | 20.0% |
Missouri | $1,198 | -$150 | -11.1% |
Montana | $1,450 | $102 | 7.6% |
Nebraska | $1,064 | -$284 | -21.1% |
Nevada | $1,620 | $272 | 20.2% |
New Hampshire | $972 | -$376 | -27.9% |
New Jersey | $1,510 | $162 | 12.0% |
New Mexico | $1,198 | -$150 | -11.1% |
New York | $1,422 | $74 | 5.5% |
North Carolina | $778 | -$570 | -42.3% |
North Dakota | $1,106 | -$242 | -18.0% |
Ohio | $934 | -$414 | -30.7% |
Oklahoma | $1,388 | $40 | 3.0% |
Oregon | $1,238 | -$110 | -8.2% |
Pennsylvania | $1,288 | -$60 | -4.5% |
Rhode Island | $1,802 | $454 | 33.7% |
South Carolina | $1,224 | -$124 | -9.2% |
South Dakota | $1,138 | -$210 | -15.6% |
Tennessee | $1,182 | -$166 | -12.3% |
Texas | $1,628 | $280 | 20.8% |
Utah | $1,000 | -$348 | -25.8% |
Vermont | $924 | -$424 | -31.5% |
Virginia | $808 | -$540 | -40.1% |
Washington | $1,044 | -$304 | -22.6% |
West Virginia | $1,238 | -$110 | -8.2% |
Wisconsin | $936 | -$412 | -30.6% |
Wyoming | $1,202 | -$146 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $540 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 132% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Hyundai Elantra Blue 4-Dr Sedan | $1,336 | $111 |
Hyundai Elantra GLS Touring Station Wagon | $1,136 | $95 |
Hyundai Elantra GLS 4-Dr Sedan | $1,422 | $119 |
Hyundai Elantra SE 4-Dr Sedan | $1,422 | $119 |
Hyundai Elantra SE Touring Station Wagon | $1,262 | $105 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Hyundai Elantra | $268 | $542 | $390 | $1,358 |
2023 Hyundai Elantra | $256 | $536 | $398 | $1,348 |
2022 Hyundai Elantra | $248 | $524 | $416 | $1,346 |
2021 Hyundai Elantra | $240 | $502 | $430 | $1,330 |
2020 Hyundai Elantra | $226 | $484 | $442 | $1,310 |
2019 Hyundai Elantra | $218 | $450 | $452 | $1,278 |
2018 Hyundai Elantra | $208 | $424 | $456 | $1,246 |
2017 Hyundai Elantra | $200 | $380 | $460 | $1,198 |
2016 Hyundai Elantra | $188 | $350 | $460 | $1,156 |
2015 Hyundai Elantra | $180 | $328 | $464 | $1,130 |
2014 Hyundai Elantra | $176 | $306 | $474 | $1,114 |
2013 Hyundai Elantra | $164 | $284 | $474 | $1,080 |
2012 Hyundai Elantra | $158 | $258 | $478 | $1,052 |
2011 Hyundai Elantra | $148 | $236 | $474 | $1,016 |
2010 Hyundai Elantra | $140 | $214 | $474 | $986 |
2009 Hyundai Elantra | $134 | $192 | $468 | $952 |
2008 Hyundai Elantra | $132 | $188 | $460 | $938 |
2007 Hyundai Elantra | $130 | $178 | $452 | $918 |
2006 Hyundai Elantra | $120 | $170 | $446 | $894 |
2005 Hyundai Elantra | $116 | $162 | $442 | $878 |
Rates are averaged for all Hyundai Elantra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Hyundai Elantra Insurance
Finding cheaper rates on insurance for a Hyundai Elantra requires being a good driver, having above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following list is a summary of the primary concepts that were covered in the charts and tables above.
- You may be able to save as much as $160 per year simply by quoting online in advance
- Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,590 more each year than a safer driver
- Increasing comprehensive and collision deductibles can save around $525 each year
- Drivers age 16 to 20 are expensive to insure, as much as $427 each month if full coverage is included
Now that you are aware of how Hyundai Elantra rates can fluctuate, you have a better understanding of what you might expect to pay based on the model year of your vehicle.
For example, 2016 Hyundai Elantra insurance is almost always more expensive than what you can find with 2013 Hyundai Elantra insurance rates.
The best way to find out what your individual policy will look like is by using our free online quote tool below.
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What are the safety ratings of the Hyundai Elantra?
It’s important to consider the safety ratings of the Hyundai Elantra to gain a better understanding of where you might qualify for policy discounts. After all, the safer the vehicle is, the less money you should have to pay for insurance
Take a look at the safety ratings of the Hyundai Elantra below with safety results reported by the Insurance Institute for Highway Safety.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
In case you are unaware, “Good” is the highest rating possible, and the Hyundai Elantra achieved that mark in every part of the car that was tested.
Hyundai Elantra Crash Test Ratings
Good crash test ratings mean you will be better protected in a crash. They can also help lower your auto insurance rates.
Hyundai Elantra Crash Test RatingsVehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2020 Hyundai Elantra GT 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2020 Hyundai Elantra 4 DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2019 Hyundai Elantra Gt 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2019 Hyundai Elantra 4 DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2018 Hyundai Elantra Gt 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2018 Hyundai Elantra 4 DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2017 Hyundai Elantra Gt 5 HB FWD | 5 stars | 4 stars | 5 stars | 4 stars |
2017 Hyundai Elantra 4 DR FWD Later Release | 4 stars | 4 stars | 4 stars | 4 stars |
2017 Hyundai Elantra 4 DR FWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
2016 Hyundai Elantra Gt 5 HB FWD | 5 stars | 4 stars | 5 stars | 4 stars |
2016 Hyundai Elantra 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration |
Only a few Hyundai Elantra builds have 5-star crash ratings, but 4 stars is also a decent rating.
Hyundai Elantra Insurance Loss Probability
Low insurance loss probability equals low insurance rates, while high insurance loss probability equals high insurance rates.
Hyundai Elantra Insurance Loss ProbabilityInsurance Coverage Category | Loss Rate |
---|---|
Collision | 2% |
Property Damage | 2% |
Comprehensive | -10% |
Personal Injury | 33% |
Medical Payment | 37% |
Bodily Injury | 17% |
Source: Insurance Institute for Highway Safety |
Comprehensive coverage has the best insurance loss probability rate.
Hyundai Elantra Compared Against Other Vehicles in the Same Class
Experts from the Insurance Institute for Highway Safety classify the Hyundai Elantra as a small four-door sedan. By comparison, other similar models include the following:
In the end, it pays to do your research before you buy Hyundai Elantra car insurance.
By now you should have a great handle on how Hyundai Elantra insurance rates are calculated, so is there anything we might have missed?
If not, you can begin comparing Hyundai Elantra auto insurance rates from top companies by using our free quote tool now!
References
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,118 |
20 | $3,156 |
30 | $1,408 |
40 | $1,348 |
50 | $1,236 |
60 | $1,212 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,702 |
$250 | $1,538 |
$500 | $1,348 |
$1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,348 |
50/100 | $1,330 |
100/300 | $1,414 |
250/500 | $1,634 |
100 CSL | $1,363 |
300 CSL | $1,549 |
500 CSL | $1,685 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,300 |
20 | $5,022 |
30 | $3,004 |
40 | $2,942 |
50 | $2,810 |
60 | $2,786 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $71 |
Multi-vehicle | $72 |
Homeowner | $20 |
5-yr Accident Free | $101 |
5-yr Claim Free | $88 |
Paid in Full/EFT | $63 |
Advance Quote | $68 |
Online Quote | $95 |
Total Discounts | $578 |
Discounts are estimated and may not be available from every company or in every state.
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