Hyundai Elantra Insurance Rates
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UPDATED: Jun 6, 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.
Average insurance rates for a Hyundai Elantra are $1,310 a year for full coverage insurance. Comprehensive insurance costs an estimated $226 a year, collision insurance costs $484, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs $2,866 or more. Teen drivers receive the highest rates at up to $5,076 a year.
Average premium for full coverage: $1,310
Rate estimates broken down by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Elantra trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $496 for a discount liability-only rate to a high of $2,866 for high-risk insurance.
Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location helps determine insurance prices.
These examples illustrate why it is important to compare rates for a targeted area, 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.
Rates by State, City, and Model
The chart below illustrates average Hyundai Elantra insurance rates for other coverage scenarios.
- The lowest rate with discounts is $752
- Drivers who choose higher $1,000 deductibles will pay approximately $1,150 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,310
- Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $316 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,866
- The cost that insures a teen driver can cost as much as $5,076 a year
Insurance rates for a Hyundai Elantra can also vary considerably based on the trim level of your Elantra, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 136% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age
Where you live makes a big difference in Hyundai Elantra insurance prices. A 40-year-old driver could pay 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 could save up to $480 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit
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 Low Cost Hyundai Elantra Insurance
Saving money on car insurance not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a review of the material that was covered in the charts and tables above.
- Policyholders who want higher liability limits will pay about $490 annually to go from a minimum limit to the 250/500 level
- Teenagers are expensive to insure, costing up to $423 per month if comprehensive and collision insurance is included
- Higher risk drivers who have several accidents or serious violations may have to pay on average $1,560 more annually for car insurance
- Increasing deductibles can save approximately $475 each year
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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