Hyundai Elantra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Estimated insurance rates for a Hyundai Elantra are $1,358 a year for full coverage. Comprehensive costs approximately $268 a year, collision insurance costs $542, and liability coverage is $390. A liability-only policy costs around $452 a year, and high-risk insurance costs around $2,950. 16-year-old drivers pay the most at up to $5,108 a year.

Average premium for full coverage: $1,358

Premium estimates by type of coverage:

Comprehensive $268
Collision $542
Liability $390

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Elantra trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Hyundai Elantra range from the low end price of $452 for basic liability insurance to a high of $2,950 for a policy for a high-risk driver.

Liability Only $452
Full Coverage $1,358
High Risk $2,950

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities. The diagram below illustrates how where you live affects auto insurance prices.

Rural Areas $1,019
Small Cities $1,426
Large Cities $1,833

These rate differences show why it is important to compare rates quotes using their specific location, rather than using 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.

Rate Comparisons

The chart below shows average Hyundai Elantra insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $777
  • Raising to $1,000 deductibles will save $1,174 a year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,358
  • Buying low $100 deductibles bumps up the cost to $1,714
  • Unlucky drivers with multiple tickets or accidents could pay around $2,950
  • An auto insurance policy that insures a teenage driver can cost $5,108

View Chart as Image

Hyundai Elantra insurance cost comparison chart
Column chart showing Hyundai Elantra insurance rates range from $777 to $5,108 for full coverage

Auto insurance prices for a Hyundai Elantra also have a wide range based on the trim level of your Elantra, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live also has a big influence on Hyundai Elantra insurance rates. A middle-age driver might find prices as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,940 on average in New York, Louisiana, and Michigan.

Hyundai Elantra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,226 -$132 -9.7%
Alaska $1,040 -$318 -23.4%
Arizona $1,126 -$232 -17.1%
Arkansas $1,358 -$0 0.0%
California $1,544 $186 13.7%
Colorado $1,296 -$62 -4.6%
Connecticut $1,394 $36 2.7%
Delaware $1,536 $178 13.1%
Florida $1,698 $340 25.0%
Georgia $1,254 -$104 -7.7%
Hawaii $974 -$384 -28.3%
Idaho $918 -$440 -32.4%
Illinois $1,012 -$346 -25.5%
Indiana $1,022 -$336 -24.7%
Iowa $916 -$442 -32.5%
Kansas $1,290 -$68 -5.0%
Kentucky $1,850 $492 36.2%
Louisiana $2,010 $652 48.0%
Maine $836 -$522 -38.4%
Maryland $1,118 -$240 -17.7%
Massachusetts $1,086 -$272 -20.0%
Michigan $2,358 $1,000 73.6%
Minnesota $1,134 -$224 -16.5%
Mississippi $1,624 $266 19.6%
Missouri $1,204 -$154 -11.3%
Montana $1,458 $100 7.4%
Nebraska $1,070 -$288 -21.2%
Nevada $1,626 $268 19.7%
New Hampshire $976 -$382 -28.1%
New Jersey $1,516 $158 11.6%
New Mexico $1,202 -$156 -11.5%
New York $1,430 $72 5.3%
North Carolina $782 -$576 -42.4%
North Dakota $1,110 -$248 -18.3%
Ohio $938 -$420 -30.9%
Oklahoma $1,394 $36 2.7%
Oregon $1,244 -$114 -8.4%
Pennsylvania $1,296 -$62 -4.6%
Rhode Island $1,810 $452 33.3%
South Carolina $1,230 -$128 -9.4%
South Dakota $1,144 -$214 -15.8%
Tennessee $1,190 -$168 -12.4%
Texas $1,636 $278 20.5%
Utah $1,004 -$354 -26.1%
Vermont $928 -$430 -31.7%
Virginia $812 -$546 -40.2%
Washington $1,048 -$310 -22.8%
West Virginia $1,244 -$114 -8.4%
Wisconsin $940 -$418 -30.8%
Wyoming $1,210 -$148 -10.9%

View Chart as Image

Hyundai Elantra insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $540 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $299 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Hyundai Elantra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Elantra Blue 4-Dr Sedan $1,344 $112
Hyundai Elantra GLS Touring Station Wagon $1,144 $95
Hyundai Elantra GLS 4-Dr Sedan $1,428 $119
Hyundai Elantra SE 4-Dr Sedan $1,428 $119
Hyundai Elantra SE Touring Station Wagon $1,274 $106

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.

Hyundai Elantra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Elantra $280 $562 $372 $1,372
2023 Hyundai Elantra $268 $542 $390 $1,358
2022 Hyundai Elantra $256 $536 $398 $1,348
2021 Hyundai Elantra $248 $524 $416 $1,346
2020 Hyundai Elantra $240 $502 $430 $1,330
2019 Hyundai Elantra $226 $484 $442 $1,310
2018 Hyundai Elantra $218 $450 $452 $1,278
2017 Hyundai Elantra $208 $424 $456 $1,246
2016 Hyundai Elantra $200 $380 $460 $1,198
2015 Hyundai Elantra $188 $350 $460 $1,156
2014 Hyundai Elantra $180 $328 $464 $1,130
2013 Hyundai Elantra $176 $306 $474 $1,114
2012 Hyundai Elantra $164 $284 $474 $1,080
2011 Hyundai Elantra $158 $258 $478 $1,052
2010 Hyundai Elantra $148 $236 $474 $1,016
2009 Hyundai Elantra $140 $214 $474 $986
2008 Hyundai Elantra $134 $192 $468 $952
2007 Hyundai Elantra $132 $188 $460 $938
2006 Hyundai Elantra $130 $178 $452 $918
2005 Hyundai Elantra $120 $170 $446 $894

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 the Best Hyundai Elantra Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Comparison shop every year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The following is a brief recap of the coverage data touched on in the above illustrations.

  • Drivers can save around $160 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $550 each year
  • Teens have the highest car insurance prices, as much as $426 per month if the policy includes full coverage
  • Drivers who tend to receive serious violations could be forced to pay on average $1,590 more per year for Elantra insurance

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 Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Hyundai Elantra GT 5 HB FWD4 stars4 stars4 stars4 stars
2020 Hyundai Elantra 4 DR FWD4 stars4 stars4 stars4 stars
2019 Hyundai Elantra Gt 5 HB FWD4 stars4 stars4 stars4 stars
2019 Hyundai Elantra 4 DR FWD4 stars4 stars4 stars4 stars
2018 Hyundai Elantra Gt 5 HB FWD4 stars4 stars4 stars4 stars
2018 Hyundai Elantra 4 DR FWD4 stars4 stars4 stars4 stars
2017 Hyundai Elantra Gt 5 HB FWD5 stars4 stars5 stars4 stars
2017 Hyundai Elantra 4 DR FWD Later Release4 stars4 stars4 stars4 stars
2017 Hyundai Elantra 4 DR FWD Early Release4 stars4 stars5 stars4 stars
2016 Hyundai Elantra Gt 5 HB FWD5 stars4 stars5 stars4 stars
2016 Hyundai Elantra 4 DR FWD5 stars4 stars5 stars4 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 Probability
Insurance Coverage CategoryLoss Rate
Collision2%
Property Damage2%
Comprehensive-10%
Personal Injury33%
Medical Payment37%
Bodily Injury17%
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

  1. https://www.iihs.org/ratings/vehicle/hyundai/elantra-4-door-sedan/2020
  2. https://www.nhtsa.gov/ratings

Rates by Driver Age

Hyundai Elantra Insurance Rates by Driver Age
Driver Age Premium
16 $5,108
20 $3,160
30 $1,414
40 $1,358
50 $1,242
60 $1,218

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Elantra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,714
$250 $1,546
$500 $1,358
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Elantra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,358
50/100 $1,340
100/300 $1,423
250/500 $1,639
100 CSL $1,374
300 CSL $1,556
500 CSL $1,689

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Elantra Insurance Rates for High Risk Drivers
Age Premium
16 $7,290
20 $5,030
30 $3,012
40 $2,950
50 $2,816
60 $2,792

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.

SR-22 Surcharge $192

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $777

Discounts are estimated and may not be available from every company or in every state.

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