Hyundai Elantra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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:

Comprehensive $240
Collision $502
Liability $430

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.

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

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.

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

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

View Chart as Image

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

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.

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

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 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.

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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