Hyundai Elantra Insurance Rates
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UPDATED: Jun 6, 2023
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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.
U.S. average insurance prices for a Hyundai Elantra are $1,330 every 12 months with full coverage. Comprehensive costs around $240, collision insurance costs $502, and liability costs $430. A policy with just liability insurance costs as little as $486 a year, and coverage for high-risk drivers costs around $2,898. Teenage drivers pay the highest rates at up to $5,102 a year.
Average premium for full coverage: $1,330
Price estimates for individual coverage:
Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Elantra trim levels.
Price Range from Low to High
For the normal driver, Hyundai Elantra insurance prices range from the cheapest price of $486 for basic liability insurance to a much higher rate of $2,898 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can have significant affects on insurance rates. Areas with sparse population have more infrequent collision claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using average rates.
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 details average Hyundai Elantra insurance rates for additional coverage choices and driver risks.
- The best discount rate is $763
- Drivers who choose higher $1,000 deductibles will pay about $168 annually
- The average price for the average middle-age driver using $500 deductibles is $1,330
- Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,658
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,898
- The price to insure a teen driver with full coverage can be $5,102 a year
Insurance prices for a Hyundai Elantra are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Using high physical damage deductibles could save up to $500 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Hyundai Elantra insurance prices. A 40-year-old driver could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,800 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,202 | -$128 | -9.6% |
Alaska | $1,020 | -$310 | -23.3% |
Arizona | $1,102 | -$228 | -17.1% |
Arkansas | $1,330 | -$0 | 0.0% |
California | $1,514 | $184 | 13.8% |
Colorado | $1,270 | -$60 | -4.5% |
Connecticut | $1,368 | $38 | 2.9% |
Delaware | $1,504 | $174 | 13.1% |
Florida | $1,662 | $332 | 25.0% |
Georgia | $1,226 | -$104 | -7.8% |
Hawaii | $954 | -$376 | -28.3% |
Idaho | $898 | -$432 | -32.5% |
Illinois | $990 | -$340 | -25.6% |
Indiana | $1,000 | -$330 | -24.8% |
Iowa | $896 | -$434 | -32.6% |
Kansas | $1,264 | -$66 | -5.0% |
Kentucky | $1,812 | $482 | 36.2% |
Louisiana | $1,966 | $636 | 47.8% |
Maine | $820 | -$510 | -38.3% |
Maryland | $1,096 | -$234 | -17.6% |
Massachusetts | $1,064 | -$266 | -20.0% |
Michigan | $2,310 | $980 | 73.7% |
Minnesota | $1,112 | -$218 | -16.4% |
Mississippi | $1,590 | $260 | 19.5% |
Missouri | $1,180 | -$150 | -11.3% |
Montana | $1,430 | $100 | 7.5% |
Nebraska | $1,048 | -$282 | -21.2% |
Nevada | $1,592 | $262 | 19.7% |
New Hampshire | $958 | -$372 | -28.0% |
New Jersey | $1,486 | $156 | 11.7% |
New Mexico | $1,176 | -$154 | -11.6% |
New York | $1,400 | $70 | 5.3% |
North Carolina | $766 | -$564 | -42.4% |
North Dakota | $1,088 | -$242 | -18.2% |
Ohio | $918 | -$412 | -31.0% |
Oklahoma | $1,364 | $34 | 2.6% |
Oregon | $1,218 | -$112 | -8.4% |
Pennsylvania | $1,268 | -$62 | -4.7% |
Rhode Island | $1,772 | $442 | 33.2% |
South Carolina | $1,202 | -$128 | -9.6% |
South Dakota | $1,122 | -$208 | -15.6% |
Tennessee | $1,166 | -$164 | -12.3% |
Texas | $1,602 | $272 | 20.5% |
Utah | $984 | -$346 | -26.0% |
Vermont | $910 | -$420 | -31.6% |
Virginia | $796 | -$534 | -40.2% |
Washington | $1,028 | -$302 | -22.7% |
West Virginia | $1,218 | -$112 | -8.4% |
Wisconsin | $922 | -$408 | -30.7% |
Wyoming | $1,182 | -$148 | -11.1% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Hyundai Elantra Blue 4-Dr Sedan | $1,318 | $110 |
Hyundai Elantra GLS Touring Station Wagon | $1,118 | $93 |
Hyundai Elantra GLS 4-Dr Sedan | $1,396 | $116 |
Hyundai Elantra SE 4-Dr Sedan | $1,396 | $116 |
Hyundai Elantra SE Touring Station Wagon | $1,236 | $103 |
Rates assume 2019 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 |
---|---|---|---|---|
2019 Hyundai Elantra | $240 | $502 | $430 | $1,330 |
2018 Hyundai Elantra | $226 | $484 | $442 | $1,310 |
2017 Hyundai Elantra | $218 | $450 | $452 | $1,278 |
2016 Hyundai Elantra | $208 | $424 | $456 | $1,246 |
2015 Hyundai Elantra | $200 | $380 | $460 | $1,198 |
2014 Hyundai Elantra | $188 | $350 | $460 | $1,156 |
2013 Hyundai Elantra | $180 | $328 | $464 | $1,130 |
2012 Hyundai Elantra | $176 | $306 | $474 | $1,114 |
2011 Hyundai Elantra | $164 | $284 | $474 | $1,080 |
2010 Hyundai Elantra | $158 | $258 | $478 | $1,052 |
2009 Hyundai Elantra | $148 | $236 | $474 | $1,016 |
2008 Hyundai Elantra | $140 | $214 | $474 | $986 |
2007 Hyundai Elantra | $134 | $192 | $468 | $952 |
2006 Hyundai Elantra | $132 | $188 | $460 | $938 |
2005 Hyundai Elantra | $130 | $178 | $452 | $918 |
2004 Hyundai Elantra | $120 | $170 | $446 | $894 |
2003 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 Shop for Affordable Hyundai Elantra Insurance
Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at every other renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a brief review of the concepts that were presented in the illustrations above.
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,570 more every year for Elantra insurance
- Teens pay higher prices, costing up to $425 a month if they have full coverage
- You may be able to save up to $160 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $500 each year
- You may be able to save up to $160 per year just by shopping early and online
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.
Vehicle 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.
Insurance 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 | $5,102 |
20 | $3,106 |
30 | $1,378 |
40 | $1,330 |
50 | $1,218 |
60 | $1,194 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,658 |
$250 | $1,504 |
$500 | $1,330 |
$1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,330 |
50/100 | $1,309 |
100/300 | $1,400 |
250/500 | $1,636 |
100 CSL | $1,345 |
300 CSL | $1,545 |
500 CSL | $1,691 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,268 |
20 | $4,952 |
30 | $2,954 |
40 | $2,898 |
50 | $2,772 |
60 | $2,748 |
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 | $70 |
Multi-vehicle | $72 |
Homeowner | $20 |
5-yr Accident Free | $98 |
5-yr Claim Free | $87 |
Paid in Full/EFT | $60 |
Advance Quote | $66 |
Online Quote | $94 |
Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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