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
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.
Hyundai Elantra insurance rates vary by insurer and model year. GEICO charges $65 a month for minimum coverage; UAIC charges $158 for the same coverage. Full coverage spreads from $140 a month with GEICO to $350 with AIG.
A $93 difference on minimum coverage and a $210 difference on full coverage indicate different underwriting models. Insurers calculate Elantra risk differently, and the only way to find your lowest rate is to get multiple quotes.
| 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?
The Hyundai Elantra ranks 23rd for affordability among 47 coupes in MoneyGeek's database, so 22 coupe models cost less to insure. It costs a few dollars more a month than a Mercedes E-Class and a few dollars less than an Infiniti G-Series.
Coupes as a category cost more to insure than most other vehicle types, so mid-tier among coupes is still a reasonable position overall. Across all 827 models in the database, the Elantra ranks 201st for affordability. The Saturn S-Series is the cheapest coupe to insure, and the Mercedes S-Class is the most expensive.
| 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 |
Three vehicle-level factors shape Hyundai Elantra premiums before driver profile enters the calculation:
- Average repair costs. The Elantra averages $547 a year in repair costs, third lowest among Hyundai's 20 models. Lower repair costs mean lower claim payouts for insurers, which keeps premiums down.
- Trim, features and accessories. The Elantra's power output ranges from 147 to 276 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Hyundai Elantra drivers skew younger than most vehicle segments, with most falling in the 25 to 34 age group and a median age around 30. That demographic pays more across the board, and the Elantra's performance trims amplify the effect for drivers at the lower end of that range. 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.
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
Coverage needs depend on how you own the Elantra. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible, and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for compact sedans give you a baseline before you start getting quotes. Without a reference point, an above-market quote looks normal. The cheapest car insurance companies data shows which carriers price competitively for Elantra drivers specifically.
- 3Check insurer quality, not just price
A low quote means less if the insurer is slow on claims or hard to reach. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores, and BBB complaint records. Forum feedback on claims handling catches problems that don't show up in formal ratings. Our data on the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Hyundai Elantra owners commonly qualify for safety feature discounts, good driver credits, multi-vehicle discounts, and bundling savings. Student, military, and loyalty discounts are also available from many insurers. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Programs like Progressive Snapshot and Allstate Drivewise monitor speed, braking, and mileage, then price the policy on actual driving behavior. Elantra drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
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?
Hyundai Elantra premiums are affected by driving history, credit score, and coverage level. The vehicle itself is a moderating factor: at $547 a year in average repair costs, the Elantra sits near the bottom of Hyundai's lineup for maintenance expense, which holds premiums in check relative to higher-repair models.
How can I lower Hyundai Elantra insurance costs?
Start by getting quotes from at least three insurers because the $93 minimum coverage difference between GEICO and UAIC shows how wide Elantra pricing spreads. Stack available discounts: good driver, multi-vehicle, and bundling home or renters insurance are the highest-value options.
Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Hyundai Elantra Insurance Costs
Hyundai Elantra cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025.
Driver profile. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions, and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.