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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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The Hyundai Elantra is one of the most budget-friendly compact cars. It’s also one of the cheapest cars to insure for young drivers. Still, it’s more expensive to insure than other vehicles — $171 per month.
But plenty of car insurance companies — like Novo and Farmers — offer below-average premiums for the small sedan. We analyzed average rates from dozens of companies to find the cheapest insurers for the Elantra. Plus, we’ll tell you how to save even more on your insurance policy.
Hyundai Elantra drivers pay an average of $120 per month for liability-only car insurance and $222 for full coverage.
Novo has the cheapest Elantra rates — just $77 per month.
Your Elantra’s model year, safety features, and trim levels affect your car insurance rates.
How much you pay to insure your Hyundai Elantra largely depends on the type of car insurance policy you choose.
A liability-only policy is the cheapest option and provides the minimum coverage you need to drive legally — but it doesn’t cover damage to your vehicle if you cause an accident. Full-coverage insurance costs more but usually includes comprehensive and collision coverage for your car.
The table below shows the average monthly Elantra insurance rate for each policy type and how it compares to the U.S. national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Hyundai Elantra | $120 | $222 | $171 |
| All vehicles | $107 | $197 | $152 |
Elantra drivers pay an average of $120 per month for minimum-coverage insurance and $222 for full coverage.
Check out the following sections to learn how different factors affect your car insurance rates.
Regardless of average rates, you can always look for ways to save on your car insurance, like checking rates from some of the cheapest insurers.
Let’s take a look at which companies offer the cheapest car insurance for the Hyundai Elantra, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $77 |
| Apparent | $87 |
| Certainly | $89 |
| Farmers | $96 |
| Mile Auto | $97 |
Novo offers the cheapest car insurance for the Hyundai Elantra, averaging $77 per month — or an average annual rate of $924.
Although these companies offer the cheapest average rates, that doesn’t mean they’re the cheapest for every Elantra driver. Comparing car insurance quotes from at least three companies can help you find the lowest price for your driving profile and coverage needs.
Compare quotes and save money instantly.
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No single company is the best fit for all Elantra drivers. We analyzed available coverages and discounts, average rates, and customer reviews to find the top insurance companies for different Elantra drivers.
Whether you need affordable young driver coverage, state-minimum coverage, or a customizable full-coverage policy, the following companies have what you need.
Compare.com Rating: 4.2 out of 5
Affordable Elantra rates
Above-average claims satisfaction
Many coverage options available
Telematics program may increase rates
Below-average customer ratings
Above-average number of customer complaints
If you want a customizable full-coverage policy, consider Farmers Insurance. It offers optional coverages other insurers don’t, like OEM parts, glass deductible, and rideshare and food delivery coverage.
Farmers may not be the cheapest option for Elantra drivers, but it offers generous discounts to make its policies more affordable. Safe drivers can also save with its Signal telematics program, but risky driving could increase your premium.
Compare.com Rating: Not rated
Cheap Elantra rates
Above-average customer ratings
Many discounts available
$50 cancellation fee
Available only in a few states
Discounts vary by state
Novo offers some of the cheapest rates for Hyundai Elantra drivers, but it doesn’t offer many options for full-coverage policies. Still, it may be the most affordable choice if you want only basic liability coverage. Plus, if your Elantra has Bluetooth capabilities, you can participate in the Novo Safety Program, which helps safe drivers get lower rates.
Novo also offers several discounts to help you get even cheaper coverage, including multi-car, driver training, accident-free, and new customer discounts. Teens and young drivers can also qualify for teen driver, good student, and distant student discounts.
Compare.com Rating: 4.85 out of 5
Multiple young driver discounts available
Offers personal belongings coverage
Few customer complaints
Policies not available online
Gap insurance not available
Available only in 19 states
Young drivers usually pay the highest rates for car insurance, but COUNTRY Financial can help you save. It offers discounts for good grades, graduating college, completing driver training, and participating in its Driver IQ program.
You can also get coverage for items stolen from your Elantra — like your phone or laptop. COUNTRY also covers lodging, meals, and transportation costs if you’re more than 100 miles away from home and have rental car coverage.
Comparing quotes can save you up to $867.†
Your vehicle’s age can play a serious role in how much you pay for car insurance. That’s because the more your insurer has to spend to fix your Elantra, the more you’ll typically pay for insurance. Newer Elantras usually cost more than older models, making them more expensive to insure.
Check out the table below for the average Elantra insurance cost by model year, the cheapest insurer, and its average monthly rate, according to Compare.com data.
Elantra Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $226 | Novo | $102 |
| 2024 | $222 | Novo | $100 |
| 2023 | $211 | Novo | $95 |
| 2022 | $187 | Novo | $84 |
| 2021 | $191 | Novo | $86 |
| 2020 | $185 | Novo | $83 |
| 2019 | $182 | Novo | $82 |
| 2018 | $171 | Novo | $77 |
| 2017 | $165 | Novo | $74 |
| 2016 | $154 | Novo | $69 |
| 2015 | $153 | Novo | $69 |
| 2014 | $152 | Novo | $68 |
Where you live can significantly affect your Hyundai Elantra insurance rate. Insurance companies consider many factors about your location to determine pricing, including your state’s minimum coverage requirements, weather patterns, crime rates, and vehicle repair costs.[1]
We analyzed insurance rates by state to show you how much your Elantra car insurance may cost where you live, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $113 |
| Arizona | $151 |
| Arkansas | $216 |
| California | $217 |
| Colorado | $177 |
| Connecticut | $343 |
| Delaware | $209 |
| Florida | $221 |
| Georgia | $224 |
| Idaho | $114 |
| Illinois | $141 |
| Indiana | $122 |
| Iowa | $102 |
| Kansas | $138 |
| Kentucky | $221 |
| Louisiana | $204 |
| Maine | $134 |
| Maryland | $311 |
| Massachusetts | $170 |
| Michigan | $265 |
| Minnesota | $170 |
| Mississippi | $170 |
| Missouri | $166 |
| Montana | $137 |
| Nebraska | $159 |
| Nevada | $269 |
| New Hampshire | $104 |
| New Jersey | $179 |
| New Mexico | $131 |
| New York | $435 |
| North Carolina | $84 |
| North Dakota | $131 |
| Ohio | $115 |
| Oklahoma | $146 |
| Oregon | $145 |
| Pennsylvania | $147 |
| Rhode Island | $129 |
| South Carolina | $248 |
| South Dakota | $109 |
| Tennessee | $127 |
| Texas | $200 |
| Utah | $164 |
| Vermont | $123 |
| Virginia | $163 |
| Washington | $126 |
| District of Columbia | $257 |
| West Virginia | $131 |
| Wisconsin | $115 |
| Wyoming | $109 |
Your age is one of the most important rating factors insurers use to determine your rate. Young drivers under 25 usually pay the most for car insurance due to inexperience and higher accident rates. Despite making up just 5% of licensed drivers, teens were responsible for more than 23% of traffic accidents in 2022, according to the National Highway Traffic Safety Administration.[2]
The table below shows the average monthly cost for Elantra car insurance by age group and which insurer has the cheapest rate, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $322 | Novo | $145 |
| Adults | $157 | Novo | $70 |
| Seniors | $132 | Novo | $59 |
Rates drop significantly in your 20s and 30s — adults Elantra owners pay an average of $157 per month, less than half teens’ monthly rate of $322. Seniors pay the least, averaging $25 less than any other age group.
Your driving record can either reduce your Elantra insurance rate or cause it to skyrocket. A clean driving history can help you get cheap car insurance. But incidents like speeding tickets or accidents can increase your rate. Insurers consider risky drivers to be more likely to file claims.[3]
The table below breaks down the average cost to insure an Elantra by driving record. It also shows the cheapest insurance company and its average monthly cost, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $171 | Novo | $77 |
| Speeding ticket | $238 | Novo | $107 |
| At-fault accident | $248 | Novo | $111 |
| DUI | $281 | Novo | $127 |
A single at-fault accident increases average rates to $248 per month for Elantra drivers. But a DUI increases rates even more, averaging $281 per month.
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Your Elantra’s model year isn’t the only feature or option affecting your car insurance costs.
The Elantra comes in five trim levels. The Elantra SE is the cheapest option, starting at $22,125, while the premium Hyundai Elantra N Line starts at $28,795. The N Line could cost more to repair or replace if you total it, and the higher horsepower increases your chances of an accident or ticket, so you’ll likely pay more for insurance.
That said, even the base trim level includes advanced safety features like driver attention warning, lane assist, and blind-spot warnings, which could qualify you for a safety features discount.
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While the Hyundai Elantra might have above-average insurance rates, you can try these hacks to get cheaper rates:
Consider an older model. An older Elantra usually costs less to insure, and you may only need minimum coverage if you can afford to repair or replace it.
Bundle your policies. Most insurers offer a multi-policy discount if you bundle your auto and home insurance. You can also get a multi-car discount if you insure at least two vehicles with the same company.
Ask about discounts. Most insurers offer discounts for things like going paperless, paying your policy in full, and safe driving.
Compare rates. The cost to insure a Hyundai Elantra varies by model year, trim level, coverage level, and insurance company. Using an insurance-comparison site can help you quickly and easily analyze rates from multiple companies to make sure you get the best deal.
Get personalized quotes for your Hyundai Elantra.
If you still have questions about Hyundai Elantra car insurance, we can help. We answered some of Elantra drivers’ most common questions below.
It can be. Hyundai Elantra drivers pay an average of $171 per month for car insurance, according to Compare.com data. That’s higher than the U.S. national average for all vehicles.
Novo offers the cheapest Hyundai Elantra auto insurance, according to our research. The digital insurance company offers an average cost of $77 per month for the Elantra — or an average annual rate of $924.
Car insurance for a 2025 Hyundai Elantra costs an average of $226 per month, according to Compare.com data. That’s an average annual cost of $2,712.
The cheapest Hyundai model to insure is the Kona. It costs an average of $152 per month to insure, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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