Hyundai Elantra Insurance Rates
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UPDATED: Jun 13, 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.
The average insurance rates for a Hyundai Elantra are $1,310 a year for full coverage insurance. Comprehensive costs approximately $226, collision costs $484, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $2,866. Teen drivers cost the most to insure at $5,076 a year or more.
Average premium for full coverage: $1,310
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Elantra models.
Price Range Variability
For a driver around age 40, Hyundai Elantra insurance rates go from as low as $496 for your basic liability-only policy to the much higher price of $2,866 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above illustrate why everyone should compare rates quotes using their specific location and risk profile, instead of using price 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.
More Rate Information
The chart below illustrates estimated Hyundai Elantra insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $752
- Raising to $1,000 deductibles will save $160 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,310
- Choosing pricier low deductibles will increase the cost to $1,626
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,866 or more
- Policy cost for full coverage for a teen driver for full coverage can cost $5,076
Auto insurance rates for a Hyundai Elantra also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age
Your home state also has a big influence on Hyundai Elantra insurance prices. A middle-age driver might find rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,770 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,186 | -$124 | -9.5% |
Alaska | $1,008 | -$302 | -23.1% |
Arizona | $1,090 | -$220 | -16.8% |
Arkansas | $1,310 | -$0 | 0.0% |
California | $1,494 | $184 | 14.0% |
Colorado | $1,252 | -$58 | -4.4% |
Connecticut | $1,348 | $38 | 2.9% |
Delaware | $1,484 | $174 | 13.3% |
Florida | $1,640 | $330 | 25.2% |
Georgia | $1,210 | -$100 | -7.6% |
Hawaii | $942 | -$368 | -28.1% |
Idaho | $888 | -$422 | -32.2% |
Illinois | $976 | -$334 | -25.5% |
Indiana | $988 | -$322 | -24.6% |
Iowa | $884 | -$426 | -32.5% |
Kansas | $1,246 | -$64 | -4.9% |
Kentucky | $1,788 | $478 | 36.5% |
Louisiana | $1,942 | $632 | 48.2% |
Maine | $808 | -$502 | -38.3% |
Maryland | $1,082 | -$228 | -17.4% |
Massachusetts | $1,050 | -$260 | -19.8% |
Michigan | $2,278 | $968 | 73.9% |
Minnesota | $1,098 | -$212 | -16.2% |
Mississippi | $1,570 | $260 | 19.8% |
Missouri | $1,162 | -$148 | -11.3% |
Montana | $1,410 | $100 | 7.6% |
Nebraska | $1,034 | -$276 | -21.1% |
Nevada | $1,572 | $262 | 20.0% |
New Hampshire | $944 | -$366 | -27.9% |
New Jersey | $1,466 | $156 | 11.9% |
New Mexico | $1,160 | -$150 | -11.5% |
New York | $1,382 | $72 | 5.5% |
North Carolina | $754 | -$556 | -42.4% |
North Dakota | $1,074 | -$236 | -18.0% |
Ohio | $906 | -$404 | -30.8% |
Oklahoma | $1,346 | $36 | 2.7% |
Oregon | $1,202 | -$108 | -8.2% |
Pennsylvania | $1,252 | -$58 | -4.4% |
Rhode Island | $1,750 | $440 | 33.6% |
South Carolina | $1,186 | -$124 | -9.5% |
South Dakota | $1,106 | -$204 | -15.6% |
Tennessee | $1,150 | -$160 | -12.2% |
Texas | $1,580 | $270 | 20.6% |
Utah | $972 | -$338 | -25.8% |
Vermont | $896 | -$414 | -31.6% |
Virginia | $786 | -$524 | -40.0% |
Washington | $1,014 | -$296 | -22.6% |
West Virginia | $1,202 | -$108 | -8.2% |
Wisconsin | $908 | -$402 | -30.7% |
Wyoming | $1,170 | -$140 | -10.7% |
Choosing high deductibles can reduce rates by up to $480 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Hyundai Elantra insurance for high-risk drivers is expensive and can cost as much as 43% to 136% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates 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 | $1,300 | $108 |
Hyundai Elantra GLS Touring Station Wagon | $1,106 | $92 |
Hyundai Elantra GLS 4-Dr Sedan | $1,376 | $115 |
Hyundai Elantra SE 4-Dr Sedan | $1,376 | $115 |
Hyundai Elantra SE Touring Station Wagon | $1,218 | $102 |
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 | $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 |
2004 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 the Right Hyundai Elantra Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and violations, having good credit, being claim-free, and not having any coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a quick rundown of the car insurance concepts covered above.
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,560 more per year for car insurance
- It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $475 each year
- Policyholders who purchase higher liability limits will pay about $490 annually to raise from a 30/60 limit to 250/500 limits
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 | $5,076 |
20 | $3,068 |
30 | $1,358 |
40 | $1,310 |
50 | $1,202 |
60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,626 |
$250 | $1,478 |
$500 | $1,310 |
$1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,310 |
50/100 | $1,293 |
100/300 | $1,387 |
250/500 | $1,632 |
100 CSL | $1,331 |
300 CSL | $1,538 |
500 CSL | $1,688 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,226 |
20 | $4,898 |
30 | $2,918 |
40 | $2,866 |
50 | $2,740 |
60 | $2,718 |
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 | $69 |
Multi-vehicle | $72 |
Homeowner | $20 |
5-yr Accident Free | $96 |
5-yr Claim Free | $85 |
Paid in Full/EFT | $59 |
Advance Quote | $65 |
Online Quote | $92 |
Total Discounts | $558 |
Discounts are estimated and may not be available from every company or in every state.
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