Hyundai Elantra Insurance Rates
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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.
The average insurance prices for a Hyundai Elantra are $1,330 every 12 months for full coverage. Comprehensive insurance costs approximately $240, collision insurance costs $502, and liability costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs $2,898 or more. Teen drivers cost the most to insure at up to $5,102 a year.
Average premium for full coverage: $1,330
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Elantra trim levels.
Price Range Variability
For the average driver, Hyundai Elantra insurance rates range from the cheapest price of $486 for your basic liability-only policy to a much higher rate of $2,898 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than larger metro areas. The price range example below illustrates how location impacts auto insurance prices.
The examples above show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based 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.
More Rate Information
The chart below shows average Hyundai Elantra insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $763
- Using higher $1,000 deductibles will save $168 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,330
- Choosing more expensive low deductibles for physical damage coverage costs an extra $328 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,898
- Policy cost to insure a 16-year-old driver with full coverage can cost $5,102 or more
Insurance rates for a Hyundai Elantra also range considerably based on liability limits and deductibles, your driver profile, and the model of your Elantra.
Choosing high deductibles could cut rates by as much as $500 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can be from 43% to 134% more than average. View High Risk Driver Rates
Your home state has a huge impact on Hyundai Elantra insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Iowa, Maine, and Idaho, or as much as $1,900 on average in New York, Louisiana, and Michigan.
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% |
Insurance Rates by Trim Level and Model Year
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.
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 Shop for Low Cost Hyundai Elantra Insurance
Finding cheaper rates on insurance for a Hyundai Elantra requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The items below are a review of the primary concepts that were touched on above.
- Drivers can save around $160 per year just by shopping early and online
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,570 more per year to insure their Elantra
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- Teen drivers are the costliest to insure, costing up to $425 each month if full coverage 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.
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 | $5,102 |
20 | $3,106 |
30 | $1,378 |
40 | $1,330 |
50 | $1,218 |
60 | $1,194 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,658 |
$250 | $1,504 |
$500 | $1,330 |
$1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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