Hyundai Elantra Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 prices for a Hyundai Elantra are $1,310 every 12 months including full coverage. Comprehensive costs approximately $226 each year, collision insurance costs $484, and liability insurance is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs around $2,866. Teenage drivers cost the most to insure at up to $5,076 a year.

Average premium for full coverage: $1,310

Policy rates by type of insurance:

Comprehensive $226
Collision $484
Liability $442

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Elantra models.

Price Range Variability

For the average 40-year-old driver, Hyundai Elantra insurance rates range from the cheapest price of $496 for just liability coverage to a high rate of $2,866 for a driver who requires high-risk insurance.

Liability Only $496
Full Coverage $1,310
High Risk $2,866

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

The examples above highlight why all drivers should get quotes using their specific location and their own driving history, rather than relying on 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.

Detailed Rate Analysis

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

  • The best discount rate is $752
  • Choosing higher $1,000 deductibles can save $160 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,310
  • Using low deductibles for comp and collision coverage increases the price to $1,626
  • High-risk insureds who are prone to accidents and violations could pay around $2,866
  • Policy cost to insure a teen driver can cost $5,076 each year

View Chart as Image

Hyundai Elantra insurance cost comparison chart
Column chart showing Hyundai Elantra insurance rates range from $752 to $5,076 for full coverage

Auto insurance rates for a Hyundai Elantra also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Elantra.

Using high physical damage deductibles can save as much as $480 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Hyundai Elantra insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,870 on average in Louisiana, New York, and Michigan.

Hyundai Elantra Insurance Rates by State
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%

View Chart as Image

Hyundai Elantra insurance rates by U.S. city

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 $1,300 $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.

Hyundai Elantra Insurance Rates by Model Year
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 Shop for Cheaper Hyundai Elantra Insurance

Finding cheaper rates on Hyundai Elantra insurance takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Make time to compare rates at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a condensed summary of the concepts that were touched on in this article.

  • High-risk drivers with multiple at-fault accidents could be charged and average of $1,560 more per year than a safer driver
  • Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $423 each month if comprehensive and collision insurance is included
  • You may be able to save around $160 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • You may be able to save around $160 per year just by quoting online in advance

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $5,076
20 $3,068
30 $1,358
40 $1,310
50 $1,202
60 $1,180

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Elantra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,626
$250 $1,478
$500 $1,310
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Elantra Insurance Rates with Different Liability Limits
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

Hyundai Elantra Insurance 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.

SR-22 Surcharge $188

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
Rate after discounts $752

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles