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Hyundai Elantra Insurance Rates

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Hyundai Elantra insurance

Estimated insurance rates for a Hyundai Elantra are $1,348 a year with full coverage. Comprehensive costs approximately $256 each year, collision costs $536, and liability coverage costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing around $2,942. Teenage drivers pay the most at $5,118 a year or more.

Average premium for full coverage: $1,348

Premium estimates by type of coverage:

Comprehensive $256
Collision $536
Liability $398

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 $460 for the bare minimum liability coverage to a high rate of $2,942 for a driver required to buy high-risk insurance.

Liability Only $460
Full Coverage $1,348
High Risk $2,942

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.

Rural Areas $1,011
Small Cities $1,415
Large Cities $1,820

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 $770
  • Using higher $1,000 deductibles will save $178 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,348
  • Using low deductibles for physical damage coverage bumps up the cost to $1,702
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,942 or more
  • An auto insurance policy that insures a teenage driver can cost $5,118 or more

View Chart as Image

Hyundai Elantra insurance cost comparison chart
Column chart showing full coverage Hyundai Elantra insurance rates range from $770 to $5,118

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 132% 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 $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,820 on average in New York, Michigan, and Florida.

Hyundai Elantra Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,220-$128-9.5%
Alaska$1,036-$312-23.1%
Arizona$1,120-$228-16.9%
Arkansas$1,348-$00.0%
California$1,538$19014.1%
Colorado$1,290-$58-4.3%
Connecticut$1,390$423.1%
Delaware$1,528$18013.4%
Florida$1,688$34025.2%
Georgia$1,246-$102-7.6%
Hawaii$970-$378-28.0%
Idaho$914-$434-32.2%
Illinois$1,008-$340-25.2%
Indiana$1,016-$332-24.6%
Iowa$912-$436-32.3%
Kansas$1,284-$64-4.7%
Kentucky$1,842$49436.6%
Louisiana$1,998$65048.2%
Maine$834-$514-38.1%
Maryland$1,112-$236-17.5%
Massachusetts$1,080-$268-19.9%
Michigan$2,346$99874.0%
Minnesota$1,130-$218-16.2%
Mississippi$1,618$27020.0%
Missouri$1,198-$150-11.1%
Montana$1,450$1027.6%
Nebraska$1,064-$284-21.1%
Nevada$1,620$27220.2%
New Hampshire$972-$376-27.9%
New Jersey$1,510$16212.0%
New Mexico$1,198-$150-11.1%
New York$1,422$745.5%
North Carolina$778-$570-42.3%
North Dakota$1,106-$242-18.0%
Ohio$934-$414-30.7%
Oklahoma$1,388$403.0%
Oregon$1,238-$110-8.2%
Pennsylvania$1,288-$60-4.5%
Rhode Island$1,802$45433.7%
South Carolina$1,224-$124-9.2%
South Dakota$1,138-$210-15.6%
Tennessee$1,182-$166-12.3%
Texas$1,628$28020.8%
Utah$1,000-$348-25.8%
Vermont$924-$424-31.5%
Virginia$808-$540-40.1%
Washington$1,044-$304-22.6%
West Virginia$1,238-$110-8.2%
Wisconsin$936-$412-30.6%
Wyoming$1,202-$146-10.8%

View Chart as Image

Hyundai Elantra insurance rates by U.S. city

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 $304 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

Hyundai Elantra Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Hyundai Elantra Blue 4-Dr Sedan$1,336$111
Hyundai Elantra GLS Touring Station Wagon$1,136$95
Hyundai Elantra GLS 4-Dr Sedan$1,422$119
Hyundai Elantra SE 4-Dr Sedan$1,422$119
Hyundai Elantra SE Touring Station Wagon$1,262$105

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Hyundai Elantra$256$536$398$1,348
2017 Hyundai Elantra$248$524$416$1,346
2016 Hyundai Elantra$240$502$430$1,330
2015 Hyundai Elantra$226$484$442$1,310
2014 Hyundai Elantra$218$450$452$1,278
2013 Hyundai Elantra$208$424$456$1,246
2012 Hyundai Elantra$200$380$460$1,198
2011 Hyundai Elantra$188$350$460$1,156
2010 Hyundai Elantra$180$328$464$1,130
2009 Hyundai Elantra$176$306$474$1,114
2008 Hyundai Elantra$164$284$474$1,080
2007 Hyundai Elantra$158$258$478$1,052
2006 Hyundai Elantra$148$236$474$1,016
2005 Hyundai Elantra$140$214$474$986
2004 Hyundai Elantra$134$192$468$952
2003 Hyundai Elantra$132$188$460$938
2002 Hyundai Elantra$130$178$452$918
2001 Hyundai Elantra$120$170$446$894
2000 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 $440 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 $525 each year
  • Drivers age 20 and younger are the costliest to insure, possibly costing $427 per month if comprehensive and collision insurance is included

Rates by Driver Age

Hyundai Elantra Insurance Rates by Driver Age
Driver AgePremium
16$5,118
20$3,156
30$1,408
40$1,348
50$1,236
60$1,212

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Elantra Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,702
$250$1,538
$500$1,348
$1,000$1,170

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Elantra Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,348
50/100$1,330
100/300$1,414
250/500$1,634
100 CSL$1,363
300 CSL$1,549
500 CSL$1,685

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Elantra Insurance Rates for High Risk Drivers
AgePremium
16$7,300
20$5,022
30$3,004
40$2,942
50$2,810
60$2,786

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.

DiscountSavings
Multi-policy$71
Multi-vehicle$72
Homeowner$20
5-yr Accident Free$101
5-yr Claim Free$88
Paid in Full/EFT$63
Advance Quote$68
Online Quote$95
Total Discounts$578
Rate after discounts $770

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

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