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 $1,346 a year for full coverage. Comprehensive costs on average $248 a year, collision costs $524, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $2,938. Teen drivers receive the highest rates at $5,136 a year or more.

Average premium for full coverage: $1,346

Rate estimates by individual coverage type:

Comprehensive $248
Collision $524
Liability $416

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 $474 for only liability insurance to a high of $2,938 for a high risk driver.

Liability Only $474
Full Coverage $1,346
High Risk $2,938

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 $1,010
Small Cities $1,413
Large Cities $1,817

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 $769
  • Drivers who choose higher $1,000 deductibles will pay around $1,170 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,346
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,688
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,938 or more
  • The cost for full coverage for a teen driver may cost $5,136 a year

View Chart as Image

Hyundai Elantra insurance cost comparison chart
Column chart showing full coverage Hyundai Elantra insurance rates range from $769 to $5,136

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 $1,300 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 $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,920 on average in Michigan, Louisiana, and New York.

Hyundai Elantra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,218 -$128 -9.5%
Alaska $1,034 -$312 -23.2%
Arizona $1,118 -$228 -16.9%
Arkansas $1,346 -$0 0.0%
California $1,532 $186 13.8%
Colorado $1,286 -$60 -4.5%
Connecticut $1,384 $38 2.8%
Delaware $1,522 $176 13.1%
Florida $1,684 $338 25.1%
Georgia $1,242 -$104 -7.7%
Hawaii $966 -$380 -28.2%
Idaho $910 -$436 -32.4%
Illinois $1,002 -$344 -25.6%
Indiana $1,012 -$334 -24.8%
Iowa $910 -$436 -32.4%
Kansas $1,282 -$64 -4.8%
Kentucky $1,836 $490 36.4%
Louisiana $1,994 $648 48.1%
Maine $828 -$518 -38.5%
Maryland $1,110 -$236 -17.5%
Massachusetts $1,076 -$270 -20.1%
Michigan $2,338 $992 73.7%
Minnesota $1,126 -$220 -16.3%
Mississippi $1,612 $266 19.8%
Missouri $1,194 -$152 -11.3%
Montana $1,446 $100 7.4%
Nebraska $1,062 -$284 -21.1%
Nevada $1,614 $268 19.9%
New Hampshire $970 -$376 -27.9%
New Jersey $1,502 $156 11.6%
New Mexico $1,192 -$154 -11.4%
New York $1,418 $72 5.3%
North Carolina $776 -$570 -42.3%
North Dakota $1,100 -$246 -18.3%
Ohio $932 -$414 -30.8%
Oklahoma $1,382 $36 2.7%
Oregon $1,234 -$112 -8.3%
Pennsylvania $1,284 -$62 -4.6%
Rhode Island $1,794 $448 33.3%
South Carolina $1,218 -$128 -9.5%
South Dakota $1,138 -$208 -15.5%
Tennessee $1,178 -$168 -12.5%
Texas $1,622 $276 20.5%
Utah $998 -$348 -25.9%
Vermont $922 -$424 -31.5%
Virginia $806 -$540 -40.1%
Washington $1,042 -$304 -22.6%
West Virginia $1,234 -$112 -8.3%
Wisconsin $932 -$414 -30.8%
Wyoming $1,198 -$148 -11.0%

View Chart as Image

Hyundai Elantra insurance rates by U.S. city

Choosing high deductibles could save up to $520 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 $318 . 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 132% 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 $1,334 $111
Hyundai Elantra GLS Touring Station Wagon $1,134 $95
Hyundai Elantra GLS 4-Dr Sedan $1,416 $118
Hyundai Elantra SE 4-Dr Sedan $1,416 $118
Hyundai Elantra SE Touring Station Wagon $1,256 $105

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 $248 $524 $416 $1,346
2018 Hyundai Elantra $240 $502 $430 $1,330
2017 Hyundai Elantra $226 $484 $442 $1,310
2016 Hyundai Elantra $218 $450 $452 $1,278
2015 Hyundai Elantra $208 $424 $456 $1,246
2014 Hyundai Elantra $200 $380 $460 $1,198
2013 Hyundai Elantra $188 $350 $460 $1,156
2012 Hyundai Elantra $180 $328 $464 $1,130
2011 Hyundai Elantra $176 $306 $474 $1,114
2010 Hyundai Elantra $164 $284 $474 $1,080
2009 Hyundai Elantra $158 $258 $478 $1,052
2008 Hyundai Elantra $148 $236 $474 $1,016
2007 Hyundai Elantra $140 $214 $474 $986
2006 Hyundai Elantra $134 $192 $468 $952
2005 Hyundai Elantra $132 $188 $460 $938
2004 Hyundai Elantra $130 $178 $452 $918
2003 Hyundai Elantra $120 $170 $446 $894
2002 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 $525 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 $460 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $428 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,590 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
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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
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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 $5,136
20 $3,148
30 $1,400
40 $1,346
50 $1,232
60 $1,210

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Elantra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,688
$250 $1,528
$500 $1,346
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Elantra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,346
50/100 $1,327
100/300 $1,415
250/500 $1,645
100 CSL $1,362
300 CSL $1,557
500 CSL $1,699

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Elantra Insurance Rates for High Risk Drivers
Age Premium
16 $7,322
20 $5,016
30 $2,996
40 $2,938
50 $2,806
60 $2,782

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.

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $101
5-yr Claim Free $88
Paid in Full/EFT $62
Advance Quote $68
Online Quote $95
Total Discounts $577
Rate after discounts $769

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

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