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. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 2, 2021

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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 $1,330 a year for full coverage. Comprehensive costs on average $240 a year, collision costs $502, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $2,898. Teen drivers receive the highest rates at $5,102 a year or more.

Average premium for full coverage: $1,330

Rate estimates by individual coverage type:

Comprehensive $240
Collision $502
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Elantra trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $2,898 for a high risk driver.

Liability Only $486
Full Coverage $1,330
High Risk $2,898

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $998
Small Cities $1,397
Large Cities $1,796

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

The chart below shows estimated Hyundai Elantra insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $763
  • Drivers who choose higher $1,000 deductibles will pay around $1,162 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,330
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,658
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,898 or more
  • The cost for full coverage for a teen driver may cost $5,102 a year

View Chart as Image

Hyundai Elantra insurance cost comparison chart
Column chart showing full coverage Hyundai Elantra insurance rates range from $763 to $5,102

for a Hyundai Elantra can also vary considerably based on your driver profile, the trim level of your Elantra, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,100 a year. View Rates by Age

Where you live makes a big difference in Hyundai Elantra insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $1,900 on average in Michigan, Louisiana, and New York.

Hyundai Elantra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,202 -$128 -9.6%
Alaska $1,020 -$310 -23.3%
Arizona $1,102 -$228 -17.1%
Arkansas $1,330 -$0 0.0%
California $1,514 $184 13.8%
Colorado $1,270 -$60 -4.5%
Connecticut $1,368 $38 2.9%
Delaware $1,504 $174 13.1%
Florida $1,662 $332 25.0%
Georgia $1,226 -$104 -7.8%
Hawaii $954 -$376 -28.3%
Idaho $898 -$432 -32.5%
Illinois $990 -$340 -25.6%
Indiana $1,000 -$330 -24.8%
Iowa $896 -$434 -32.6%
Kansas $1,264 -$66 -5.0%
Kentucky $1,812 $482 36.2%
Louisiana $1,966 $636 47.8%
Maine $820 -$510 -38.3%
Maryland $1,096 -$234 -17.6%
Massachusetts $1,064 -$266 -20.0%
Michigan $2,310 $980 73.7%
Minnesota $1,112 -$218 -16.4%
Mississippi $1,590 $260 19.5%
Missouri $1,180 -$150 -11.3%
Montana $1,430 $100 7.5%
Nebraska $1,048 -$282 -21.2%
Nevada $1,592 $262 19.7%
New Hampshire $958 -$372 -28.0%
New Jersey $1,486 $156 11.7%
New Mexico $1,176 -$154 -11.6%
New York $1,400 $70 5.3%
North Carolina $766 -$564 -42.4%
North Dakota $1,088 -$242 -18.2%
Ohio $918 -$412 -31.0%
Oklahoma $1,364 $34 2.6%
Oregon $1,218 -$112 -8.4%
Pennsylvania $1,268 -$62 -4.7%
Rhode Island $1,772 $442 33.2%
South Carolina $1,202 -$128 -9.6%
South Dakota $1,122 -$208 -15.6%
Tennessee $1,166 -$164 -12.3%
Texas $1,602 $272 20.5%
Utah $984 -$346 -26.0%
Vermont $910 -$420 -31.6%
Virginia $796 -$534 -40.2%
Washington $1,028 -$302 -22.7%
West Virginia $1,218 -$112 -8.4%
Wisconsin $922 -$408 -30.7%
Wyoming $1,182 -$148 -11.1%

View Chart as Image

Hyundai Elantra insurance rates by U.S. city

Choosing high deductibles could save up to $500 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,318 $110
Hyundai Elantra GLS Touring Station Wagon $1,118 $93
Hyundai Elantra GLS 4-Dr Sedan $1,396 $116
Hyundai Elantra SE 4-Dr Sedan $1,396 $116
Hyundai Elantra SE Touring Station Wagon $1,236 $103

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 $240 $502 $430 $1,330
2018 Hyundai Elantra $226 $484 $442 $1,310
2017 Hyundai Elantra $218 $450 $452 $1,278
2016 Hyundai Elantra $208 $424 $456 $1,246
2015 Hyundai Elantra $200 $380 $460 $1,198
2014 Hyundai Elantra $188 $350 $460 $1,156
2013 Hyundai Elantra $180 $328 $464 $1,130
2012 Hyundai Elantra $176 $306 $474 $1,114
2011 Hyundai Elantra $164 $284 $474 $1,080
2010 Hyundai Elantra $158 $258 $478 $1,052
2009 Hyundai Elantra $148 $236 $474 $1,016
2008 Hyundai Elantra $140 $214 $474 $986
2007 Hyundai Elantra $134 $192 $468 $952
2006 Hyundai Elantra $132 $188 $460 $938
2005 Hyundai Elantra $130 $178 $452 $918
2004 Hyundai Elantra $120 $170 $446 $894
2003 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 Cheaper Hyundai Elantra Insurance

Saving money on Hyundai Elantra insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $425 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,570 more each year for insurance

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.

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 $5,102
20 $3,106
30 $1,378
40 $1,330
50 $1,218
60 $1,194

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Elantra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,658
$250 $1,504
$500 $1,330
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Elantra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,330
50/100 $1,309
100/300 $1,400
250/500 $1,636
100 CSL $1,345
300 CSL $1,545
500 CSL $1,691

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Elantra Insurance Rates for High Risk Drivers
Age Premium
16 $7,268
20 $4,952
30 $2,954
40 $2,898
50 $2,772
60 $2,748

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 $190

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $98
5-yr Claim Free $87
Paid in Full/EFT $60
Advance Quote $66
Online Quote $94
Total Discounts $567
Rate after discounts $763

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

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