Hyundai Elantra Insurance Rates [How to Find Low Rates Online]

Ready to find affordable Hyundai Elantra insurance rates? The average Hyundai Elantra insurance costs are $114/mo or $1,372 annually for a full coverage policy. However, many factors will impact your individual rates. The age and trim of your Elantra, the state you live in, and even your personal driving record will all influence your car insurance premiums. Read on below to learn how qualifying for policy discounts and comparison shopping can help you save up to $566 a year on your Hyundai Elantra car insurance.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 12, 2020

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The Highlights

  • The average cost of full coverage car insurance for the Hyundai Elantra costs $114 per month or $1,372 annually.
  • A liability-only policy for a Hyundai Elantra costs around $46 per month or $550 a year.
  • Teenage drivers pay the most for Hyundai Elantra car insurance at a rate of $418 per month or $5,015 annually.
  • Good drivers can save as much as $566 a year by earning policy discounts for their Hyundai Elantra.
  • Hyundai Elantra insurance costs around $147 less per year than the average vehicle.

Ready to find affordable Hyundai Elantra insurance rates? The average full coverage cost to insure a Hyundai Elantra is $114 per month or $1,372 annually. That’s about $147 less per year than the average vehicle. However, many factors will affect your individual rates. 

For example, the age of your Hyundai Elantra, where you live, and even your personal driving record can all impact your car insurance rates. Teenagers who own an Elantra pay as much as $418 per month for auto insurance, which is much higher than average. 

Read through our complete guide to learn how to compare car insurance rates to find the best deal for your Hyundai Elantra. Let’s take a quick look at the Hyundai Elantra insurance rates, safety ratings, and more.

You can start comparing Hyundai Elantra insurance quotes right now by entering your five-digit ZIP code into our FREE quote online above.

Hyundai Elantra Car Insurance Cost

Let’s start by looking at how much the Hyundai Elantra costs on average to insure. Use the average rate as a guideline, as many different factors will impact your individual rates. 

The average Hyundai Elantra auto insurance rates are $114 per month or $1,372 a year for full coverage car insurance. 

In the graph below, we also show average rates for high-risk drivers, rates based on deductible levels, and more. Check it out.

As you can see, teenagers pay the most for Hyundai Elantra auto insurance, followed by high-risk drivers. However, safe drivers who qualify for discounts pay around $566 less than the average costs. 

Keep reading to learn what goes into calculating these rates so you can find a policy and provider most compatible with your needs. 

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Are Hyundai Elantras expensive to insure?

The Hyundai Elantra is considered to be a compact car. So how do car insurance rates for the Elantra compare to other vehicles in the same car class? 

Find out by looking at the average annual insurance rates by different coverage levels in the graph below. We pulled data for the Infiniti Q50, the Subaru Legacy, the Chrysler 300, and more.

Hyundai Elantra Average Annual Car Insurance Rates by Coverage Level Compared to Similar Vehicles
Vehicle Make and ModelAverage Annual Comprehensive Car Insurance RatesAverage Annual Collision Car Insurance RatesAverage Annual Liability Car Insurance RatesAverage Annual Full Coverage Car Insurance Rates
Hyundai Elantra$280$562$372$1,372
Infiniti Q50$344$686$398$1,586
Subaru Legacy$370$506$338$1,350
Chrysler 300$332$626$398$1,514
Chevrolet Sonic$270$536$398$1,362
Cadillac CTS$320$626$398$1,502
Chevrolet Cruze$308$594$372$1,432
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Good news, the Elantra landed on the lower end of the cost estimates in our data. There are also a few things you can do to find the cheapest Hyundai insurance rates online. Keep reading to learn more. 

What impacts the cost of Hyundai Elantra car insurance?

Insurance providers use many different variables when determining your Hyundai Elantra auto insurance rates. For example, the Hyundai Elantra trim and model you choose can impact the total price you will pay for coverage.

In the next sections, we’ll explore in more detail how your vehicle age, driver age, and more can affect what you pay for your Hyundai Elantra car insurance. 

The Age and Trim of your Hyundai Elantra and Your Car Insurance Rates

What model year is your Hyundai Elantra? Because the age of your vehicle can impact your auto insurance rates. Usually, the average Hyundai Elantra auto insurance rates are higher for newer models. 

Newer cars tend to have more technology and special features than cost more to repair or replace in the event a claim is filed.  

Interested in the 2013 Hyundai Elantra insurance rates? Check out the average annual car insurance rates by coverage level and model year for the Hyundai Elantra in the table below.

Hyundai Elantra Average Annual Car Insurance Rates and Coverage Level by Model Year
Hyundai Elantra Model YearAverage Annual Comprehensive Car Insurance RatesAverage Annual Collision Car Insurance RatesAverage Annual Liability Car Insurance RatesAverage Annual Full Coverage Car Insurance Rates
2020 Hyundai Elantra$280$562$372$1,372
2019 Hyundai Elantra$268$542$390$1,358
2018 Hyundai Elantra$256$536$398$1,348
2017 Hyundai Elantra$248$524$416$1,346
2016 Hyundai Elantra$240$502$430$1,330
2015 Hyundai Elantra$226$484$442$1,310
2014 Hyundai Elantra$218$450$452$1,278
2013 Hyundai Elantra$208$424$456$1,246
2012 Hyundai Elantra$200$380$460$1,198
2011 Hyundai Elantra$188$350$460$1,156
2010 Hyundai Elantra$180$328$464$1,130
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As you can see, auto insurance for a brand new 2020 Hyundai Elantra costs $1,372, while the older 2010 Hyundai Elantra insurance costs are $1,130, a difference of $242 annually. 

If budget is your primary concern, look for a used Hyundai Elantra instead of one that is brand new. 

How Your Driver Age Impacts Your Hyundai Elantra Car Insurance Rates

Your age as the driver will have a significant effect on your Hyundai Elantra car insurance rates. Insurance Providers equate age to driving experience. Older drivers tend to make safer choices on the roads than younger ones. 

Statistically, drivers over 25 get into fewer accidents and file fewer claims than their younger counterparts.

In the graph below, compare the average annual rates folks pay for Hyundai Elantra auto insurance by age.

As you can see, drivers aged 20 and younger pay thousands more than older drivers. But even a 30-year-old driver pays around $60 more each year for their Hyundai Elantra car insurance than a 40-year-old driver.

If you’re a student who drives this compact car, try asking about good student discounts. Safe driver discounts and optional driver’s education courses can also help lower your rates. 

How Your Driver Location Impacts Your Hyundai Elantra Car Insurance Rates

Car insurance limits and laws vary by state, therefore where you live can have a large impact on your Hyundai Elantra insurance rates. 

Usually, auto insurance average costs are higher in regions with dense populations, higher auto theft rates, and higher fatal accident rates. 

In the graph below, compare the average annual rates people pay in some of America’s largest cities.

As you can see, drivers in Houston may pay $1,011 a year more than drivers in Columbus. Houston has a larger population, which helps explain the extreme cost difference. Keep this in mind while you comparison shop for your best rates. 

How Your Driving Record Impacts Your Hyundai Elantra Car Insurance Rates

Are you a safe driver? Your driving record can have an impact on the cost of your Hyundai Elantra auto insurance. Folks with a clean driving record qualify for more discounts and receive lower quotes from insurance providers.  

In the table below, see how different traffic violations can cause your annual car insurance rates on your Hyundai Elantra to increase.

Teens and drivers in their 20s see the highest jump in their Hyundai Elantra auto insurance rates with violations on their driving record.

If you commit too many serious violations, like at-fault accidents or DUIs, some major insurance providers might refuse to cover you altogether. 

However, if you only have one or two minor marks on your record, you might consider asking your provider about an accident forgiveness program. This essentially acts like a discount that can sometimes be applied to your policy. 

Hyundai Elantra Safety Ratings and the Impact on Your Car Insurance Rates

Your Hyundai Elantra auto insurance rates are influenced by the Hyundai Elantra safety ratings. The Insurance Institute for Highway Safety (IIHS) performs various safety and crash tests and scores different vehicles on the market. 

See the breakdown for the 2020 Hyundai Elantra in the table below.

2020 Hyundai Elantra Safety Ratings
Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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A rating of ‘Good’ is the highest possible score given by the IIHS. The Hyundai Elantra performed so well, it was named one of the Top Safety Picks by the IIHS. This will reflect positively on your auto insurance rates.  

These ratings apply to the 2017 to 2020 Hyundai Elantra models. Check out a video of the driver-side small overlap crash test below. 

If you own an earlier model, the safety ratings will be different. We always recommend checking for the ratings for your specific model and trim for the most accuracy.  

Hyundai Elantra Crash Test Ratings and the Impact on Your Car Insurance Rates

Not only do good Hyundai Elantra crash test ratings mean you are better protected in a crash, but it can also mean cheaper Hyundai Elantra auto insurance rates.

The National Highway Traffic Safety Administration (NHTSA) is a part of the Department of Transportation and tests the durability and reliability of various car make and models. 

See how the NHTSA scored different Hyundai Elantra’s by model year and trim level in the table below.

Hyundai Elantra Crash Test Ratings by Model Year and Trim Level
Hyundai Elantra Model Year and Trim Level TestedOverall Crash Test RatingsFrontal Crash Test RatingsSide Crash Test RatingsRollover Crash Test Ratings
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
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Interestingly, the crash test ratings for the Elantra are not as perfect as the safety ratings performed by the IIHS. Your car insurance rates will also reflect these scores. This is why we recommend looking at the evaluations from both the IIHS and the NHTSA. 

How the Hyundai Elantra Safety Features Affect Your Car Insurance Rates

The more safety features you have on your Hyundai Elantra, the more likely it is that you can earn a policy discount. Fortunately, the Hyundai Elantra comes equipped with many different safety features.

The Hyundai Elantra’s safety features include:

  • Driver airbag
  • Passenger airbag
  • Front head airbag
  • Rear head airbag
  • Front side airbag
  • 4-wheel anti-lock brake system
  • Front disc/rear drum brakes
  • Brake assist
  • Electronic stability control
  • Daytime running lights
  • Child safety locks
  • Traction control
  • Lane departure warning
  • Lane-keeping assist

You might also consider installing anti-theft devices for even more car insurance discounts for your Hyundai Elantra. 

How the Hyundai Elantra Insurance Loss Probability Affects Your Car Insurance Rates

By looking at the insurance loss probabilities for the Hyundai Elantra, you can predict if your auto insurance rates will be higher or lower than average. 

The lower percentage means lower Hyundai Elantra car insurance rates; higher percentages mean higher Hyundai Elantra auto insurance rates.

Take a look at the Hyundai Elantra insurance loss probability details in the table below.

Hyundai Elantra Insurance Loss Probability Details
Insurance Coverage CategoryLoss Rate
Collision2%
Property Damage2%
Comprehensive-10%
Personal Injury33%
Medical Payment37%
Bodily Injury17%
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As you can see, the insurance loss ratios for the Hyundai Elantra fluctuates between each type of coverage. The collision and property damage insurance loss ratios are average for compact cars, which will not negatively impact your car insurance rates. 

However, the personal injury and medical payment loss ratios are substantially worse than average. This might mean personal injury protection and medical payment coverage costs for the Hyundai Elantra are higher than average.

Fortunately, the collision loss ratio is actually better than average. Expect this to be positively reflected in your collision insurance rates.  

Financing a Hyundai Elantra and Your Car Insurance Costs

When financing a Hyundai Elantra, most lenders will require you to carry higher Hyundai Elantra coverage options. Usually, you’ll need to carry your state’s legal minimum requirements as well as some form of comprehensive and collision coverage. 

Comprehensive coverage protects your vehicle from damage that occurs when the car is not in motion. This includes weather damage, vandalism, flood or fire damage, and vehicle theft. 

Collision coverage protects your vehicle from damage that occurs when the car is in motion. This includes hitting another vehicle, or objects like trees, telephone poles, or fences. 

The dealership might offer a policy to you, however, it will be much more expensive than if you went through an insurance provider. 

The dealership may also offer you something called guaranteed asset protection or GAP insurance. This insurance covers the difference between what you owe on your auto loan and the actual cash value of your vehicle in the event you total your car. 

However, through the dealership, GAP insurance will be much more expensive than if you were to purchase it from your insurance provider. 

The best GAP insurance should cost you under $60 annually and fully cover any difference between the actual cash value of your Hyundai Elantra and the remaining balance on your auto loan. 

Be sure to shop around and compare Hyundai Elantra car insurance rates from the best companies. You can start your search by using a free online comparison tool, like what we feature on this page. 

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Ways to Save on Hyundai Elantra Car Insurance

There are many ways that you can save on Hyundai Elantra car insurance to get the best value possible. Below are a few scenarios you can explore to help keep your Hyundai Elantra car insurance rates low.

  • Move to an area with better weather and overall lower auto insurance costs. 
  • Use paperless billing for your Hyundai Elantra insurance policy if your provider offers a discount.
  • If you work from home, inform your provider. You might qualify for discounted rates for being a low-mileage driver.
  • Always practice safe driving. Over time, you can receive great discounts for remaining claim free. 

Finally, if you’re a homeowner or if you own multiple vehicles, you have a few opportunities for some great savings. By putting more than one vehicle on the same insurance policy, you’ll receive multi-car discounts. 

If you bundle your homeowner’s insurance with your auto policy, you’ll be able to save even more. 

Top Hyundai Elantra Car Insurance Companies

Who is the top car insurance company for Hyundai Elantra insurance rates? That will depend on where you live, what type of coverage you need, and what kind of driver you are.

While the actual rates you pay will depend on many factors, below are some of the top companies offering Hyundai Elantra auto insurance coverage ordered by market share.

Top 10 Hyundai Elantra Car Insurance Companies by Market Share
RankCompaniesVolumeMarket Share
1State Farm$65,615,1909.30%
2GEICO$46,106,9716.60%
3Progressive$39,222,8795.60%
4Liberty Mutual$35,600,0515.10%
5Allstate$35,025,9035.00%
6Travelers$28,016,9664.00%
7USAA$23,483,0803.30%
8Chubb$23,388,3853.30%
9Farmers$20,643,5592.90%
10Nationwide$18,442,1452.60%
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All of these companies will insure a Hyundai Elantra. Many of these companies also offer discounts for security systems and other safety features that the Hyundai Elantra offers.

See more details about the market shareholdings of the top Hyundai Elantra insurance companies in the graph below.

A company that owns a substantial percentage of the market share usually is also in a great financial position. This is important for car insurance because you want to trust that any claims you file will be paid out, even in the event of an economic downturn.

However, remember to also look into customer service and claims reviews. A cheap policy is great, but you don’t want to discover that your provider is unresponsive when the time comes to file a claim.

The best insurance companies will sell you an affordable policy without compromising your customer experience or coverage levels.  

By putting in the time and effort ahead of time, you’ll save yourself from feeling a big headache later on. 

You are now an expert on finding cheap Hyundai Elantra insurance rates. Refer back to this guide as much as needed while you comparison shop for your new, best rate. 

If you’re ready to buy Hyundai Elantra insurance, start comparing Hyundai Elantra car insurance quotes right now for FREE by entering your five-digit ZIP code into our convenient online tool below.

Are you looking for free insurance quotes?

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