Hyundai Elantra Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Hyundai Elantra costs about the same as most other cars to insure.

• Full coverage car insurance for an Elantra runs around $176 per month, on average, while liability only insurance typically tends to be about $90.

• The cheapest auto insurance carrier for an Elantra is Hugo, who offers liability only coverage for as little as $49 monthly, on average.

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Elantra Overview

With a base price of just $19,850 for 2022 models, the Hyundai Elantra is a great car for drivers on a budget. You'll have your choice of five different trim levels, so you'll drive off the dealership lot in style.

We ran through thousands of insurance quotes on Compare.com, and we've found that Hyundai Elantra car insurance rates average out to around $184 per month. But compared to other vehicles in the market, are Elantra insurance premiums higher or lower than those of similar cars?

How Much is Car Insurance for a Hyundai Elantra?

In the table above, you'll see that when you compare the Hyundai Elantra to other vehicles, insurance prices are right about average. Elantra drivers can expect to pay around $176 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $90 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When compared to other models from Hyundai, the Elantra's insurance price is in line with the rest of the automaker's vehicle offerings. Compared to offerings from other brands, auto insurance for an Elantra runs close to average, with full coverage insurance premiums $1 cheaper than other cars and liability insurance rates coming in at $7 higher.

The same applies when comparing the Hyundai Elantra to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Hyundai Elantra?

Looking for an auto insurance policy for your Hyundai Elantra? You're likely wondering which company offers the cheapest prices. Even though there will never be one carrier that offers the most affordable prices for everyone, the lowest average rates for liability only insurance are sometimes as cheap as $45 per month from MetroMile. The runner up for cheapest rates is Hugo, with car insurance policies starting as low as just $49 monthly.

Completing the top 5 companies are Aspire, Workmens, and NationalGeneral. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers use a lot of different factors and complex formulas to calculate rates. The only way to guarantee you find the most affordable rates is to compare quotes from a whole range of insurance companies.

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What Factors Affect Car Insurance Rates for a Hyundai Elantra?

There are a bunch of variables that auto insurance carriers reference to determine how much to charge -- and every company weighs different pieces more heavily than others, so there's not a singular carrier that's the lowest for each Elantra owner.

Below are just a few of the things insurance companies look at and how each one affects your final rate:

Vehicle Age

The Hyundai Elantra has been around for a while, so vehicle age will likely play a role in what you end up paying for auto insurance. Generally, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually go down.

Based on the above table, the Hyundai Elantra follows this trend, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest models are Elantras that are 15 years old or more, on average.

Your Age

Age makes a significant difference in how much car insurance carriers will charge you. As you can see in the table above, older drivers pay less compared to young Elantra drivers. Hyundai Elantra drivers under 18 actually pay more than twice as much as those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for Elantra drivers.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men. When it comes to Elantra drivers specifically, women pay about $88 a month for insurance and men pay around $92.

Where You Live

You may think it's obvious that variables such as how old you are and what vehicle you drive play a role in your car insurance premiums, but did you know that where you live can be just as important? Because auto insurance is regulated at the state level, rates can vary quite a bit depending on which state you're located in.

For example, the average Hyundai Elantra driver from New York pays about $211 per month for liability coverage. Meanwhile, the same Californian owner will pay less than a third of that price, on average. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change from state to state.

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Hyundai Elantra Car Insurance Discounts

Whatever what vehicle you drive, what state you live in, or how old you are, using as many discounts as possible when it comes to your insurance is always in your best interest when shopping around for a policy.

Even though all car insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-car discounts for adding more than one vehicle to your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Multi-policy discounts for using the same insurance company for both your home and car insurance

These discounts are great, but sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), there is quite bit in your control. Below are just a few of the things you can use to your advantage when it comes to cost savings:

Your Driving Record

You've most likely noticed ads from insurance companies posting big discounts for good drivers. It should be no surprise that if you get into an accident or get tickets, car insurance rates will go higher. But exactly how much can these infractions cost you?

Looking at the table above, you'll see that accidents will usually cost Elantra drivers more than tickets, but both will result in a raise in rates. Hyundai Elantra drivers with one accident on their record pay about $104 per month (up $14 from the $90/mo. overall average), while drivers with a single ticket will pay an average of $96 monthly. The rates only go up the more accidents you have or tickets you get.

How Much You Drive

The amount of miles you drive annually impacts your auto insurance prices. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll normally end up spending less on insurance. In the table above, you can see that Hyundai Elantra owners who drive between 7,500 and 10,000 miles pay $94 for car insurance, while those who drive between 5,000 and 7,500 miles a year pay about $80 a month.

If you don't use your Hyundai Elantra to travel or commute regularly, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Hyundai Elantras Compare to Other Vehicles?

If you're considering buying a new vehicle and a Hyundai Elantra is on your shortlist, it might be helpful to do your research. Insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering.

Check out the table below to see how the Hyundai Elantra compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Hyundai Elantra is a great value when it comes to price. The Elantra has an MSRP of $19,850, which is much cheaper than the national average vehicle price of $41,045.

Full coverage insurance for a Hyundai Elantra is around $44 per month more than average, while liability only coverage is more than $20 less monthly.

When it comes to usage, Hyundai Elantra owners drive about the same amount annually as the national average, with 12,446 miles every year compared to 11,673 for all vehicles.

Hyundai Elantra Car Insurance Costs by Model Year

So far, you've seen how different factors affect a driver's insurance premiums. If you're in the market for a new car, truck, or SUV and the Elantra is on your wishlist, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

So we've done the heavy lifting and analyzed Hyundai Elantra auto insurance rates by model year. Simply find the model year you want in the dropdown to see average rates for both liability only and full coverage options. We've included some additional information you might find helpful, too, like the base MSRP, who offers the most affordable policies, which trim levels are offered for each Elantra model year.

Choose Your Model

2022 Hyundai Elantra Car Insurance 2021 Hyundai Elantra Car Insurance 2020 Hyundai Elantra Car Insurance 2019 Hyundai Elantra Car Insurance 2018 Hyundai Elantra Car Insurance 2017 Hyundai Elantra Car Insurance 2016 Hyundai Elantra Car Insurance 2015 Hyundai Elantra Car Insurance 2014 Hyundai Elantra Car Insurance 2013 Hyundai Elantra Car Insurance 2012 Hyundai Elantra Car Insurance 2011 Hyundai Elantra Car Insurance 2010 Hyundai Elantra Car Insurance

2022 Hyundai Elantra Car Insurance

On average, drivers who own a 2022 Elantra can expect to pay $61 to $213 a month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2022 Hyundai Elantra insurance policy, Aspire offered the lowest policy we found, with rates as cheap as $45 per month.

Interested in exactly how much you'll pay? Enter your ZIP code below to get multiple customized quotes for free.

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2021 Hyundai Elantra Car Insurance

You can expect full coverage for a 2021 Hyundai Elantra to run about $205 monthly, while liability only coverage will average around $103 per month.

Shelter Mutual offered the cheapest policy we found, with rates sometimes as low as $28 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2021 Hyundai Elantra, you can get free quotes in minutes by just entering your ZIP code below.

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2020 Hyundai Elantra Car Insurance

It costs about $95 monthly for liability or $195 for a full coverage policy for the 2020 Elantra.

Looking for the most affordable policy? Hugo offered liability only coverage for as cheap as just $17 per month.

If you want to know exactly how much you can expect to pay for your Elantra, just enter your ZIP code below and get several free quotes in minutes.

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2019 Hyundai Elantra Car Insurance

The average cost to insure a 2019 Hyundai Elantra with liability only coverage is $105 a month, while full coverage runs around $217 monthly.

We found Gainsco offered the cheapest policy, with rates as low as $20 per month.

Interested in what your car insurance premium will be? Get a variety of free personalized quotes by just entering your ZIP code below.

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2018 Hyundai Elantra Car Insurance

2018 Elantra drivers can expect to pay an average of $110 a month for liability or $200 for full coverage.

MetroMile has prices as little as just $20 monthly for the 2018 Hyundai Elantra.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2017 Hyundai Elantra Car Insurance

On average, drivers who own a 2017 Hyundai Elantra can expect to pay $107 to $199 per month for liability only and full coverage insurance, respectively.

With rates sometimes as little as $20 a month, Clearcover offered the lowest policy we found for the 2017 Hyundai Elantra.

If you want to know exactly how much you can expect to pay for your Elantra, get free quotes in minutes by just entering your ZIP code below.

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2016 Hyundai Elantra Car Insurance

2016 Elantra drivers can expect to pay an average of $85 monthly for liability or $175 for full coverage.

With premiums sometimes as cheap as $18 a month, MetLife offered the most affordable policy we found.

Want something more accurate than national averages? Get several customized quotes for free by just entering your ZIP code below.

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2015 Hyundai Elantra Car Insurance

It costs about $90 per month for liability or $176 for a full coverage policy for the 2015 Hyundai Elantra.

Looking for the cheapest policy? Infinity offered liability only coverage for as low as $19 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2014 Hyundai Elantra Car Insurance

The average cost to insure a 2014 Elantra with liability only coverage is $80 per month, while full coverage runs around $169 monthly.

We found Hugo offered the lowest policy, with rates sometimes as little as $18 a month.

If you want to find the best rates for auto insurance for a 2014 Hyundai Elantra, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.

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2013 Hyundai Elantra Car Insurance

You can expect full coverage for a 2013 Hyundai Elantra to run about $159 per month, while liability only coverage will average around $84 monthly.

Clearcover has premiums as cheap as just $18 per month for the 2013 Hyundai Elantra.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2012 Hyundai Elantra Car Insurance

On average, drivers who own a 2012 Elantra can expect to pay $87 to $164 a month for liability only and full coverage car insurance, respectively.

Commonwealth Casualty offered the most affordable policy we found, with rates as little as just $18 monthly.

While these are good estimates of what the average driver might pay to insure a 2012 Hyundai Elantra, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2011 Hyundai Elantra Car Insurance

You can expect full coverage for a 2011 Hyundai Elantra to run about $164 per month, while liability only coverage will average around $86 monthly.

If you're looking for the lowest possible 2011 Hyundai Elantra insurance policy, Hugo offered the cheapest policy we found, with rates as cheap as $16 a month.

Want to know exactly what your insurance price will be? Just enter your ZIP code below to get lots of free customized quotes.

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2010 Hyundai Elantra Car Insurance

2010 Elantra drivers can expect to pay an average of $90 per month for liability or $155 for full coverage.

With rates as little as $16 monthly, ACG offered the lowest policy we found for the 2010 Hyundai Elantra.

These average premiums are a great starting point if you're in the market for a 2010 Hyundai Elantra, but there are a variety of variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Hyundai Elantra Insurance FAQs

Is a Hyundai Elantra expensive to insure?

Liability insurance runs an average of $90 a month, while full coverage will cost you around $176. The cost of car insurance for the Hyundai Elantra is about on par with the average vehicle.

How can I get the best price on car insurance for my Hyundai Elantra?

There's only one way to confirm you're getting the most affordable rates -- checking prices regularly and comparing quotes from an array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from many companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Hyundai Elantra affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's just a myth. There are a variety of factors auto insurance carriers think about when they offer you a premium, but your Hyundai Elantra's color is not factored into that equation.

Do I need to have insurance before I buy a Hyundai Elantra?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an insurance policy in place. As part of the buying process, some dealerships might offer you an auto insurance policy, but the best thing to do when buying a a new car is to talk with your insurance carrier ahead of time.

What car insurance discounts can I get for my Hyundai Elantra?

There are a wide array of discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your car and more on you, but if your Elantra has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The best way to find out is to talk with your insurance agent and ask about their discounts, since they differ quite a bit from company to company.