+120 more*These quotes are from Compare.com users within the last 10 days. Updated on August 23, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on August 23, 2026
)
)
)
)
)
)
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Updated
Hyundai Elantra insurance averages $173 per month, which is slightly higher than the national average for all vehicles.
USAA offers the lowest average rate for Elantra drivers, at just $91 per month.
Affordable repair costs and strong safety ratings help keep Elantra insurance relatively affordable, though theft risk for certain model years can increase your premiums.
The average cost of car insurance for a Hyundai Elantra depends largely on the type of insurance coverage you choose. Liability insurance pays for damage and injuries you cause to others, while full coverage includes liability, comprehensive, and collision insurance.
Comprehensive coverage protects you from non-collision events like theft, vandalism, or weather damage. Collision coverage pays for repairs if you hit another vehicle or object. The table below shows the average monthly and annual insurance premiums for Hyundai Elantras compared to all vehicles, according to Compare.com data.
Vehicle | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Hyundai Elantra | $123 | $222 | $173 |
| All vehicles | $114 | $210 | $162 |
On average, Hyundai Elantra drivers pay $123 per month for liability coverage and $222 per month for full coverage. Compared to the average cost across all vehicles, this makes the Elantra slightly more expensive to insure.
But your actual insurance rate will vary based on more than just your vehicle. Factors like the insurance company you choose, your driving record, and even whether you have a new car can affect what you pay.
Compare quotes and save money instantly.
Car insurance rates can vary significantly between companies, even for the same vehicle. Each insurer uses its own pricing formula and weighs factors like your driving history, location, and claims history a bit differently. So it’s best to compare personalized quotes to find affordable coverage.
The table below shows the cheapest insurance companies for Hyundai Elantra drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $101 |
| Allstate | $129 |
| American Family | $138 |
| GEICO | $141 |
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is the cheapest insurer for eligible Elantra drivers. The company offers several military-specific benefits, including a 15% discount if you garage your car on base. It also offers two different telematics programs, giving you additional opportunities to save. USAA SafePilot rewards safe driving habits, while USAA SafePilot Miles is for low-mileage drivers.
Above-average J.D. Power score
User-friendly mobile app
Available only to veterans and military members
Limited in-person options
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a great choice for drivers seeking personalized support, thanks to its extensive network of local insurance agents. The company also has a top-rated mobile app you can use to manage your account and file claims.
State Farm is also one of the cheapest companies for teen drivers, possibly due to the discounts it offers. Teens can earn a discount for taking an approved driver’s ed course, maintaining good grades, and demonstrating safe driving habits.
Wide variety of discounts available
Above-average J.D. Power score
Doesn’t offer gap insurance
Doesn’t offer accident forgiveness
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is the best insurer for Elantra drivers looking for customizable coverage. The company offers a range of coverages, including classic car, electric car, and rideshare insurance. You can save money on coverage by bundling your auto and homeowners insurance policies together.
When you sign up for Allstate’s Drivewise program, you could save money at policy renewal based on your driving habits.
Offers unique coverages
Create a customizable insurance policy
High number of customer complaints[1]
Mixed J.D. Power score
Your vehicle’s model year plays a major role in determining your insurance costs. Newer vehicles typically cost more to insure due to the higher repair and replacement costs, while older vehicles may have lower premiums but fewer safety features.
The tables below show how rates vary and the cheapest companies for each model year, based on data from Compare.com.
Elantra Model Year | Average Monthly Premium |
|---|---|
| 2026 | $207 |
| 2025 | $209 |
| 2024 | $209 |
| 2023 | $208 |
| 2022 | $208 |
| 2021 | $201 |
| 2020 | $192 |
| 2019 | $188 |
| 2018 | $181 |
| 2017 | $178 |
| 2016 | $173 |
| 2015 | $169 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $121 |
| Allstate | $155 |
| American Family | $165 |
| GEICO | $169 |
| AAA | $186 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $122 |
| Allstate | $156 |
| American Family | $167 |
| GEICO | $170 |
| AAA | $187 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $122 |
| Allstate | $156 |
| American Family | $167 |
| GEICO | $170 |
| AAA | $187 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $122 |
| Allstate | $155 |
| American Family | $166 |
| GEICO | $170 |
| AAA | $187 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $122 |
| Allstate | $155 |
| American Family | $166 |
| GEICO | $170 |
| AAA | $187 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $118 |
| Allstate | $150 |
| American Family | $161 |
| GEICO | $164 |
| AAA | $180 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $112 |
| Allstate | $143 |
| American Family | $153 |
| GEICO | $157 |
| AAA | $172 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $110 |
| Allstate | $140 |
| American Family | $150 |
| GEICO | $153 |
| AAA | $169 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $106 |
| Allstate | $135 |
| American Family | $145 |
| GEICO | $148 |
| AAA | $162 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $104 |
| Allstate | $133 |
| American Family | $142 |
| GEICO | $145 |
| AAA | $160 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $101 |
| Allstate | $129 |
| American Family | $138 |
| GEICO | $141 |
| AAA | $155 |
Where you live also has a major effect on your insurance costs.1 Factors like accident rates, theft risk, local weather risk, and state insurance laws all influence your premiums.
If you’re curious what the average monthly premiums are in your state, check out the map below.
State | Average Monthly Premium |
|---|---|
| Alabama | $143 |
| Arizona | $152 |
| Arkansas | $164 |
| California | $186 |
| Colorado | $186 |
| Connecticut | $258 |
| Delaware | $216 |
| Florida | $201 |
| Georgia | $231 |
| Hawaii | $114 |
| Idaho | $95 |
| Illinois | $143 |
| Indiana | $118 |
| Iowa | $97 |
| Kansas | $134 |
| Kentucky | $179 |
| Louisiana | $194 |
| Maine | $126 |
| Maryland | $275 |
| Massachusetts | $137 |
| Michigan | $208 |
| Minnesota | $157 |
| Mississippi | $137 |
| Missouri | $164 |
| Montana | $135 |
| Nebraska | $130 |
| Nevada | $229 |
| New Hampshire | $79 |
| New Jersey | $244 |
| New Mexico | $131 |
| New York | $199 |
| North Carolina | $80 |
| North Dakota | $106 |
| Ohio | $112 |
| Oklahoma | $155 |
| Oregon | $138 |
| Pennsylvania | $146 |
| Rhode Island | $199 |
| South Carolina | $221 |
| South Dakota | $125 |
| Tennessee | $129 |
| Texas | $198 |
| Utah | $136 |
| Vermont | $130 |
| Virginia | $162 |
| Washington | $153 |
| District of Columbia | $285 |
| West Virginia | $133 |
| Wyoming | $110 |
Your age is one of the most important factors affecting car insurance rates. Younger drivers have less experience and statistically cause more accidents, which makes them riskier to insure. Rates often drop significantly once drivers reach their mid-20s and continue to decline as drivers reach middle age.
The table below shows how insurance rates vary by age group for Hyundai Elantra drivers, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $332 |
| Adults | $173 |
| Seniors | $149 |
See quotes from top insurers in minutes.
Teen drivers pay the highest insurance rates of any age group because they’re more likely to be involved in crashes. Teen drivers are nearly three times more likely to be in a fatal crash than drivers aged 20 and older.[2]
But the exact rates you receive can vary by insurer, and comparing car insurance quotes is the best way for young drivers to find more affordable options.
The table below shows the cheapest insurance companies for young Hyundai Elantra drivers, according to Compare.com data.
Category | Price |
|---|---|
| State Farm | $162 |
| Allstate | $206 |
| American Family | $221 |
| GEICO | $226 |
| AAA | $248 |
Senior drivers often qualify for lower insurance rates because they tend to drive less and have more driving experience. Some insurers also offer senior-specific discounts, which can help lower your premiums even more.
You can find the cheapest insurance companies for senior Elantra drivers in the table below, according to Compare.com data.
Category | Price |
|---|---|
| State Farm | $86 |
| Allstate | $110 |
| American Family | $117 |
| GEICO | $120 |
| AAA | $132 |
Your driving record is one of the biggest factors affecting your insurance premiums. Drivers with traffic violations or accidents often pay higher insurance rates because insurers consider them higher risk. The table below shows the average monthly premiums for Hyundai Elantra drivers based on your driving history, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $173 |
| Speeding ticket | $232 |
| At-fault accident | $247 |
| DUI | $291 |
Drivers with a speeding ticket typically pay higher insurance rates because insurers view this as risky driving behavior. Even a single speeding ticket can raise your premiums, with the increase depending on the severity of the violation and other factors.
But rate increases can vary among insurers, since some companies weigh violations more heavily than others. The table below shows the cheapest insurance companies for Elantra drivers with a speeding ticket, based on data from Compare.com.
Category | Price |
|---|---|
| State Farm | $126 |
| Allstate | $167 |
| American Family | $179 |
| GEICO | $189 |
An at-fault accident can significantly increase your insurance rates because insurers expect drivers with prior claims to file additional claims in the future. Fortunately, some insurers offer more competitive rates for drivers with accidents than others.
Check out the cheapest insurance companies for Hyundai Elantra drivers who were at fault in an accident, according to Compare.com data.
Category | Price |
|---|---|
| State Farm | $129 |
| Allstate | $168 |
| GEICO | $170 |
| American Family | $180 |
A driving under the influence (DUI) conviction typically results in the largest insurance rate increases of any driving violation. Drunk driving contributes to nearly one-third of all traffic fatalities, according to the National Highway Traffic Safety Administration (NHTSA).[3]
But some insurers specialize in working with high-risk drivers and offer more affordable rates. You can see the cheapest insurance companies for drivers after a DUI in the table below, based on data from Compare.com.
Category | Price |
|---|---|
| State Farm | $148 |
| Allstate | $189 |
| GEICO | $193 |
| American Family | $202 |
){kind=logo}
Several key factors can influence your Hyundai Elantra insurance costs:
Vehicle value: A 2026 Hyundai Elantra has an average price range of $23,870–$30,645, making it one of the more affordable sedans.[4]
Repair costs: Drivers pay an average of $3,000–$5,000 in maintenance costs over a five-year period, making the Elantra more affordable, which could help lower your insurance costs.
Safety features: The Elantra has excellent safety ratings and was named a 2025 Top Safety Pick by the Insurance Institute for Highway Safety.[5]
Theft risk: In 2024, the Hyundai Elantra topped the National Insurance Crime Bureau’s list of most stolen vehicles. So you may end up paying more for comprehensive coverage, which covers non-collision incidents such as vehicle theft.
Vehicle type: As a compact sedan, the Elantra is generally cheaper to insure than SUVs or high-performance vehicles.
Get personalized quotes for your Hyundai Elantra.
)
Even though the Hyundai Elantra is relatively affordable to insure, you can lower your costs even further with these strategies:[6]
Compare quotes: Prices vary widely between different insurers, so it’s important to shop around. Receive quotes from at least three different insurance companies to see which one offers you the best price and coverage options.
Increase your deductible: Your deductible is how you share risk with your insurer, so increasing your deductible will result in a lower monthly premium. Just make sure you have enough money to pay the deductible out of pocket if you do have to file a claim.
Take advantage of discounts: Most insurers offer car insurance discounts for things like bundling your auto, home, and life insurance, safe driving, and having certain safety features on your vehicle.
Maintain a clean driving record: Avoiding tickets and accidents is one of the best ways to keep your premiums low. You can also sign up for a telematics program that rewards safe driving behavior.
Below are answers to some of the most common questions about Hyundai Elantra insurance costs.
Not really. Drivers pay an average monthly rate of $173 to insure a Hyundai Elantra, which is slightly higher than the national average of $162 for all other vehicles, according to Compare.com data. You can lower your rates by shopping around and maintaining a clean driving record.
USAA offers the cheapest average rate for a Hyundai Elantra, at $91 per month, according to our data. But your actual rate will vary based on your location, age, and driving record.
Insurance for a 2025 Hyundai Elantra averages about $209 per month, though your rates will vary based on your coverage levels and insurer.
The Hyundai Santa Fe is one of the cheapest Hyundai models to insure, with an average monthly rate of $132. The Tucson and Sonata are also pretty affordable to insure, while the Hyundai Ioniq tends to be more expensive.
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.
)
)
)
)
)
)
)
)
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.
)
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
