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Hyundai Elantra Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing...

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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 insurance policy, you’ll need to understand a few basics. First, the average Hyundai Elantra 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 insurance cost of a 2014 Hyundai Elantra is far less expensive than a 2020 Elantra because it’s older, and therefore not as valuable.

This comprehensive article contains all of the information you need to know so you can start comparing quotes like an expert. In fact, you can enter your five-digit ZIP code into our free online tool to view Hyundai Elantra insurance rates from multiple companies right now.

Estimated insurance rates for a Hyundai Elantra are $1,372 a year with full coverage. Comprehensive costs approximately $280 each year, collision costs $562, and liability coverage costs around $372. Liability-only insurance costs as low as $438 a year, with high-risk driver insurance costing around $2,984. Teenage drivers pay the most at $5,132 a year or more.

Average premium for full coverage: $1,372

Premium estimates by type of coverage:

Comprehensive $280
Collision $562
Liability $372

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 $438 for the bare minimum liability coverage to a high rate of $2,984 for a driver required to buy high-risk insurance.

Liability Only $438
Full Coverage $1,372
High Risk $2,984

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 $1,029
Small Cities $1,441
Large Cities $1,852

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 $783
  • Using higher $1,000 deductibles will save $188 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,372
  • Using low deductibles for physical damage coverage bumps up the cost to $1,748
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,984 or more
  • An auto insurance policy that insures a teenage driver can cost $5,132 or more

View Chart as Image

Hyundai Elantra insurance cost comparison chart
Column chart showing full coverage Hyundai Elantra insurance rates range from $783 to $5,132

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 130% 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 $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.

Hyundai Elantra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,242 -$130 -9.5%
Alaska $1,056 -$316 -23.0%
Arizona $1,140 -$232 -16.9%
Arkansas $1,372 -$0 0.0%
California $1,566 $194 14.1%
Colorado $1,314 -$58 -4.2%
Connecticut $1,412 $40 2.9%
Delaware $1,556 $184 13.4%
Florida $1,720 $348 25.4%
Georgia $1,270 -$102 -7.4%
Hawaii $988 -$384 -28.0%
Idaho $930 -$442 -32.2%
Illinois $1,026 -$346 -25.2%
Indiana $1,034 -$338 -24.6%
Iowa $928 -$444 -32.4%
Kansas $1,306 -$66 -4.8%
Kentucky $1,874 $502 36.6%
Louisiana $2,036 $664 48.4%
Maine $850 -$522 -38.0%
Maryland $1,134 -$238 -17.3%
Massachusetts $1,100 -$272 -19.8%
Michigan $2,388 $1,016 74.1%
Minnesota $1,150 -$222 -16.2%
Mississippi $1,646 $274 20.0%
Missouri $1,220 -$152 -11.1%
Montana $1,476 $104 7.6%
Nebraska $1,086 -$286 -20.8%
Nevada $1,646 $274 20.0%
New Hampshire $990 -$382 -27.8%
New Jersey $1,536 $164 12.0%
New Mexico $1,216 -$156 -11.4%
New York $1,448 $76 5.5%
North Carolina $792 -$580 -42.3%
North Dakota $1,124 -$248 -18.1%
Ohio $948 -$424 -30.9%
Oklahoma $1,412 $40 2.9%
Oregon $1,260 -$112 -8.2%
Pennsylvania $1,312 -$60 -4.4%
Rhode Island $1,832 $460 33.5%
South Carolina $1,246 -$126 -9.2%
South Dakota $1,158 -$214 -15.6%
Tennessee $1,204 -$168 -12.2%
Texas $1,656 $284 20.7%
Utah $1,018 -$354 -25.8%
Vermont $940 -$432 -31.5%
Virginia $824 -$548 -39.9%
Washington $1,062 -$310 -22.6%
West Virginia $1,260 -$112 -8.2%
Wisconsin $952 -$420 -30.6%
Wyoming $1,226 -$146 -10.6%

View Chart as Image

Hyundai Elantra insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $570 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 $285 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 Trim Annual Premium Monthly Premium
Hyundai Elantra Blue 4-Dr Sedan $1,358 $113
Hyundai Elantra GLS Touring Station Wagon $1,156 $96
Hyundai Elantra GLS 4-Dr Sedan $1,450 $121
Hyundai Elantra SE 4-Dr Sedan $1,450 $121
Hyundai Elantra SE Touring Station Wagon $1,292 $108

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.

Hyundai Elantra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Hyundai Elantra $280 $562 $372 $1,372
2019 Hyundai Elantra $268 $542 $390 $1,358
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

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 $410 every year to increase from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save around $170 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $575 each year
  • Drivers age 20 and younger are the costliest to insure, possibly costing $428 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 crash test 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 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:

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 insurance rates from top companies by using our free quote tool now!

Rates by Driver Age

Hyundai Elantra Insurance Rates by Driver Age
Driver Age Premium
16 $5,132
20 $3,198
30 $1,436
40 $1,372
50 $1,256
60 $1,232

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Elantra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,574
$500 $1,372
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Elantra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,372
50/100 $1,355
100/300 $1,434
250/500 $1,640
100 CSL $1,387
300 CSL $1,561
500 CSL $1,687

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Elantra Insurance Rates for High Risk Drivers
Age Premium
16 $7,326
20 $5,084
30 $3,050
40 $2,984
50 $2,848
60 $2,822

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 $193

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $104
5-yr Claim Free $89
Paid in Full/EFT $65
Advance Quote $69
Online Quote $97
Total Discounts $589
Rate after discounts $783

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

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