Hyundai Elantra insurance costs change based on your car's model year, with 2025 models costing $374 monthly compared to $57 for older versions. You'll pay more for newer Elantras due to their higher market values.
Hyundai Elantra Insurance Cost
Updated: January 19, 2026
Key Takeaways
Hyundai Elantra insurance costs an average of $190 monthly for full coverage. GEICO offers the lowest rates. Read more
The Elantra ranks 23rd out of 47 coupes for insurance affordability, placing it in the middle tier of its vehicle class. Among all 827 vehicles analyzed, it ranks 201st overall, confirming below-average insurance costs. Read more
Check rates for your Elantra's specific model year to get accurate insurance costs. Read more
How Much Is Hyundai Elantra Insurance?
Looking for another Hyundai model? Read more about the cost of Hyundai car insurance models.
Insurance rates depend on model year and insurer. Hyundai Elantra minimum coverage costs span $65 monthly with GEICO to $158 with UAIC, while full coverage ranges from $140 monthly with GEICO to $350 with AIG.
These cost differences (more than $93 for minimum coverage and $210 for full coverage) demonstrate why Elantra owners need to shop around. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $152 | $316 |
| AIG | $200 | $505 |
| Allstate | $162 | $316 |
| Amica | $169 | $346 |
| Chubb | $195 | $388 |
| Farmers | $200 | $354 |
| Geico | $83 | $179 |
| Kemper | $137 | $274 |
| Nationwide | $184 | $318 |
| Progressive | $160 | $301 |
| State Farm | $130 | $270 |
| The Hartford | $137 | $233 |
| Travelers | $141 | $262 |
| UAIC | $207 | $260 |
Is Hyundai Elantra Expensive to Insure?
Comparing the Hyundai Elantra to similar vehicles shows where it stands for insurance costs. MoneyGeek analyzed 47 coupes in our database and found the Elantra ranks 23rd for affordability, meaning 22 models cost less to insure. It's a few dollars more expensive per month than a Mercedes E-Class but slightly cheaper than an Infiniti G-Series, putting it squarely in the middle among coupes.
While that's middle-tier among coupes, this vehicle type tends to be pricier to insure overall. The Elantra's 201st position out of 827 total cars actually places it in the top half for affordability across all models. The Saturn S-Series claims the cheapest coupe spot, while the Mercedes S-Class commands the highest premiums in this category.
| Acura RSX | $124 | 20 |
| Audi A5 | $124 | 21 |
| Mercedes E-Class | $125 | 22 |
| Hyundai Elantra | $125 | 23 |
| Infiniti G-Series | $129 | 24 |
| Mercedes CLK-Class | $130 | 25 |
| Pontiac GTO | $133 | 26 |
Several factors affect what you'll pay for Hyundai Elantra insurance:
- Average Repair or Replacement Costs: The Elantra ranks as Hyundai's third most affordable model to maintain out of 20, with repair costs averaging just $547 annually. This relatively low maintenance expense helps keep insurance premiums more reasonable.
- Vehicle Trim, Features and Accessories: The Elantra's performance capabilities range from 147 to 276 horsepower depending on your trim level. Higher-performance trims cost more to insure due to increased repair costs and accident risk associated with greater power output.
- Driver Profile:Â Most Elantra drivers fall into the 25 to 34 age group, with a median age of around 30. The vehicle's performance reputation attracts risk-taking behaviors that concern insurers, leading to higher rates for younger drivers. Read more about the costs of Hyundai Elantras for young drivers.
Hyundai Elantra Insurance Cost by State
Car insurance for a Hyundai Elantra costs anywhere from $34 monthly in Wyoming to $189 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| Alabama | $81 | $153 |
| Alaska | $68 | $145 |
| Arizona | $116 | $216 |
| Arkansas | $79 | $175 |
| California | $91 | $185 |
| Colorado | $92 | $220 |
| Connecticut | $136 | $234 |
| Delaware | $139 | $232 |
| Florida | $133 | $309 |
| Georgia | $145 | $238 |
| Hawaii | $52 | $117 |
| Idaho | $54 | $110 |
| Illinois | $89 | $165 |
| Indiana | $62 | $120 |
| Iowa | $54 | $129 |
| Kansas | $69 | $160 |
| Kentucky | $120 | $203 |
| Louisiana | $189 | $411 |
| Maine | $49 | $101 |
| Maryland | $153 | $259 |
| Massachusetts | $98 | $206 |
| Michigan | $148 | $282 |
| Minnesota | $79 | $163 |
| Mississippi | $83 | $164 |
| Missouri | $109 | $217 |
| Montana | $67 | $160 |
| Nebraska | $67 | $152 |
| Nevada | $176 | $319 |
| New Hampshire | $67 | $119 |
| New Jersey | $157 | $259 |
| New Mexico | $78 | $174 |
| New York | $120 | $215 |
| North Carolina | $78 | $153 |
| North Dakota | $55 | $120 |
| Ohio | $75 | $146 |
| Oklahoma | $88 | $194 |
| Oregon | $123 | $214 |
| Pennsylvania | $82 | $193 |
| Rhode Island | $119 | $212 |
| South Carolina | $100 | $187 |
| South Dakota | $51 | $155 |
| Tennessee | $77 | $154 |
| Texas | $121 | $247 |
| Utah | $104 | $177 |
| Vermont | $43 | $102 |
| Virginia | $88 | $144 |
| Washington | $92 | $171 |
| West Virginia | $81 | $166 |
| Wisconsin | $63 | $139 |
| Wyoming | $34 | $107 |
Hyundai Elantra Costs by Model Year and Insurance Company
Full coverage car insurance for a 35- to 55-year-old driver with a 2025 Hyundai Elantra costs an average of $333 per month compared to $215 for a 2021 Hyundai Elantra. Insurance costs for your Hyundai Elantra may change greatly depending on your model year and the age of the drivers on your policy. Newer car models tend to be much more expensive than older models, and young drivers in their teens and early twenties will pay much more to insure.
GEICO is the cheapest insurer across all model years and could save certain drivers hundreds of dollars per month versus the average rate.Â
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Hyundai Elantra
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
Cost of Car Insurance for 2024 Hyundai Elantra
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
Cost of Car Insurance for 2023 Hyundai Elantra
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
Cost of Car Insurance for 2022 Hyundai Elantra
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
Cost of Car Insurance for 2021 Hyundai Elantra
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
Cost of Car Insurance for 2020 Hyundai Elantra
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
Cost of Car Insurance for 2019 Hyundai Elantra
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
Cost of Car Insurance for 2018 Hyundai Elantra
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
Cost of Car Insurance for 2017 Hyundai Elantra
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
Cost of Car Insurance for 2016 Hyundai Elantra
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
Hyundai Elantra Insurance Cost by Trim
Insurance costs for your Hyundai Elantra range from $57 monthly for minimum coverage on basic Se Value Edition Sedan 4d models to $374 for full coverage on Limited Hev variants. Performance features and market value determine where each trim falls in this range.
| Se Value Edition Sedan 4d | $57 | $110 |
| Gls Wagon 4d | $71 | $136 |
| Eco Sedan 4d | $73 | $142 |
| Gt Sedan 4d | $75 | $144 |
| Gls Sedan 4d | $76 | $145 |
| Gt Hatchback 4d | $78 | $150 |
| Gt Sport Hatchback 4d | $80 | $156 |
| Value Edition Sedan 4d | $81 | $157 |
| Gls Hatchback 4d | $84 | $161 |
| Gs Coupe 2d | $85 | $163 |
| Coupe 2d | $85 | $165 |
| Se Sedan 4d | $86 | $166 |
| Se Coupe 2d | $87 | $168 |
| Sport Sedan 4d | $90 | $175 |
| Sel Sedan 4d | $94 | $183 |
| Touring Gls Wagon 4d | $96 | $184 |
| Touring Wagon 4d | $96 | $184 |
| Gt N-Line Hatchback 4d | $97 | $189 |
| Limited Sedan 4d | $98 | $189 |
| Touring Se Wagon 4d | $102 | $196 |
| Sel Hev Sedan 4d | $103 | $199 |
| Blue Sedan 4d | $106 | $203 |
| Blue Hev Sedan 4d | $121 | $234 |
| Limited Hev Sedan 4d | $130 | $251 |
| N Line Sedan 4d | $130 | $253 |
| Se | $142 | $276 |
| Sel | $151 | $293 |
| Sel Sport | $152 | $295 |
| Blue Hev | $168 | $327 |
| Sel Convenience | $169 | $327 |
| Limited | $174 | $338 |
| Sel Sport Hev | $181 | $350 |
| N Line | $185 | $360 |
| Limited Hev | $193 | $374 |
How to Lower the Cost of Hyundai Elantra Insurance
Here's how to find better rates on your Hyundai Elantra insurance with these proven strategies:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Hyundai Elantra based on your ownership situation. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for compact sedans. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs for your Elantra helps you spot good deals and avoid overpriced policies when comparing quotes from multiple insurers.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage options or slower customer service when you need to file claims.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation as a Hyundai Elantra owner. You qualify for safety features discounts, good driver discounts, multi-vehicle discounts and bundling discounts. Many insurers also offer student discounts, military discounts and loyalty discounts that can reduce your premium costs.
- 5Consider alternative car insurance types
Hyundai Elantra owners might benefit from usage-based insurance programs that track their driving habits. Options like Progressive Snapshot or Allstate Drivewise monitor safe driving behaviors and mileage to deliver premium reductions. These telematics programs work well for careful drivers who don't drive many miles annually.
- 6Check rates every year
Obtain car insurance quotes from several companies annually to ensure you're getting the best deal. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Hyundai Elantra insurance. Set a calendar reminder to shop around each renewal period.
Hyundai Elantra Insurance Cost: Bottom Line
Hyundai Elantra insurance costs less than average, though you'll still want to shop around for the best rates. Compare quotes from multiple insurers and look into available discounts to secure affordable coverage.
Hyundai Elantra Insurance Rates: FAQ
What is the average cost of car insurance for a Hyundai Elantra?
Insurance for a Hyundai Elantra costs $1,181 annually for minimum coverage and $2,282 yearly for full coverage. These rates make the Elantra a budget-friendly option for drivers seeking lower insurance premiums.
What company has the cheapest car insurance for a Hyundai Elantra?
Geico provides the most affordable auto insurance for a Hyundai Elantra, offering minimum coverage at $776 annually. For drivers seeking full coverage, Geico remains the best value option at $1,684 per year.
Are Hyundai Elantras expensive to insure?
No, Hyundai Elantra insurance is not expensive compared to most vehicles. Among coupes, this model places 23rd out of 47 for affordability, while ranking 201st out of 827 total vehicles we track.
What factors affect insurance costs for Hyundai Elantras?
Various elements influence your Hyundai Elantra insurance premiums. Personal factors like your driving history, credit score, and chosen coverage levels impact rates. The Elantra's reliable safety features and moderate repair costs help keep premiums reasonable compared to other vehicles.
How can I lower Hyundai Elantra insurance costs?
Compare quotes from multiple insurers since Hyundai Elantra costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home or renters insurance, and maintain a clean driving record to secure better rates.
How We Determined Hyundai Elantra Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Hyundai Elantra insurance costs.
Who We Based These Rates On
These Hyundai Elantra rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.