Hyundai Elantra Insurance Rates
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UPDATED: Apr 9, 2020
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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 with full coverage. Comprehensive costs approximately $268 each year, collision costs $542, and liability coverage costs around $390. Liability-only insurance costs as low as $452 a year, with high-risk driver insurance costing around $2,950. Teenage drivers pay the most at $5,108 a year or more.
Average premium for full coverage: $1,358
Premium estimates by type of coverage:
Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Elantra models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Hyundai Elantra go from the low end price of $452 for the bare minimum liability coverage to a high rate of $2,950 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
These rate differences demonstrate why all drivers should compare prices using their specific location, rather than 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.
Additional Rate Information
The chart below details estimated Hyundai Elantra insurance rates for additional coverage and risk scenarios.
- The best discount rate is $777
- Using higher $1,000 deductibles will save $184 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,358
- Using low deductibles for physical damage coverage bumps up the cost to $1,714
- Higher-risk drivers who are prone to accidents and violations could pay around $2,950 or more
- An auto insurance policy that insures a teenage driver can cost $5,108 or more
Insurance prices for a Hyundai Elantra also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can be around 43% to 131% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
Where you choose to live has a huge impact on Hyundai Elantra insurance rates. A driver around age 40 might see prices as low as $980 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,830 on average in New York, Michigan, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Using high physical damage deductibles could cut prices by as much as $540 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $299 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
|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 2020 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|
|2020 Hyundai Elantra||$268||$542||$390||$1,358|
|2019 Hyundai Elantra||$256||$536||$398||$1,348|
|2018 Hyundai Elantra||$248||$524||$416||$1,346|
|2017 Hyundai Elantra||$240||$502||$430||$1,330|
|2016 Hyundai Elantra||$226||$484||$442||$1,310|
|2015 Hyundai Elantra||$218||$450||$452||$1,278|
|2014 Hyundai Elantra||$208||$424||$456||$1,246|
|2013 Hyundai Elantra||$200||$380||$460||$1,198|
|2012 Hyundai Elantra||$188||$350||$460||$1,156|
|2011 Hyundai Elantra||$180||$328||$464||$1,130|
|2010 Hyundai Elantra||$176||$306||$474||$1,114|
|2009 Hyundai Elantra||$164||$284||$474||$1,080|
|2008 Hyundai Elantra||$158||$258||$478||$1,052|
|2007 Hyundai Elantra||$148||$236||$474||$1,016|
|2006 Hyundai Elantra||$140||$214||$474||$986|
|2005 Hyundai Elantra||$134||$192||$468||$952|
|2004 Hyundai Elantra||$132||$188||$460||$938|
|2003 Hyundai Elantra||$130||$178||$452||$918|
|2002 Hyundai Elantra||$120||$170||$446||$894|
|2001 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 Best Hyundai Elantra Insurance
Finding better rates on auto insurance requires having a good driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices at every policy renewal by obtaining price quotes from direct companies, and also from local insurance agencies.
The next list is a brief recap of the data covered in the above illustrations.
- Consumers who purchase increased levels of liability coverage will pay an extra $430 every year to increase from 30/60 bodily injury limits to the 250/500 level
- You may be able to save around $160 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $550 each year
- Drivers age 20 and younger are the costliest to insure, possibly costing $426 per month if comprehensive and collision insurance 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.
|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|
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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|
|Source: Insurance Institute for Highway Safety|
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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!
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$102|
|5-yr Claim Free||$88|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.