Full coverage insurance for a Hyundai Elantra costs between $974 and $6,061 annually, depending on the model year, driver's age, location, driving history, coverage level and provider. This article details Hyundai Elantra insurance costs and highlights the best and most affordable insurers.
Hyundai Elantra Insurance Cost
Updated: March 18, 2025
Key Takeaways
State Farm offers the most affordable rates, with an average annual cost of $508.
The average annual insurance cost for a Hyundai Elantra is $635 for minimum coverage and $1,382 for full coverage.
MoneyGeek's analysis is based on 4,183 Hyundai Elantra insurance quotes from Quadrant Information Services, providing a thorough and reliable review.
Hyundai Elantra Insurance Rates
What Is the Average Hyundai Elantra Car Insurance Cost?
The average cost of full coverage insurance for a Hyundai Elantra is $115 per month or $1,382 per year, based on a 40-year-old male driver with a clean record. Minimum coverage costs about $53 per month or $635 per year.
| Minimum Coverage | $635 |
| Full Coverage | $1,382 |
Hyundai Elantra Insurance Costs by Company
Hyundai Elantra insurance costs range from $1,001 to $1,804 annually, depending on age, model year and coverage level. Below is a table comparing the average Hyundai Elantra insurance rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,515 | $1,813 | -16% |
| Auto-Owners | $1,147 | $1,227 | -7% |
| Farmers | $1,794 | $1,956 | -8% |
| GEICO | $1,166 | $1,333 | -13% |
| Kemper | $1,804 | $2,215 | -19% |
| Nationwide | $1,562 | $1,587 | -2% |
| Progressive | $1,601 | $1,743 | -8% |
| State Farm | $1,151 | $1,269 | -9% |
| Travelers | $1,510 | $1,520 | -1% |
| USAA | $1,001 | $1,201 | -17% |
Read more: Best Car Insurance Companies
Cost of Insuring a Hyundai Elantra by Model Year
The year your Hyundai Elantra was produced can impact your insurance rates, with older models generally costing less. For instance, a 2022 model has a full coverage rate of $1,593, while a 2012 model costs $1,188. Below are the average full and minimum coverage rates for each production year.
| 2022 | $663 | $1,593 |
| 2021 | $658 | $1,570 |
| 2020 | $641 | $1,548 |
| 2019 | $675 | $1,532 |
| 2018 | $681 | $1,510 |
| 2017 | $652 | $1,474 |
| 2016 | $675 | $1,438 |
| 2015 | $670 | $1,402 |
| 2014 | $625 | $1,331 |
| 2013 | $629 | $1,259 |
| 2012 | $606 | $1,188 |
| 2011 | $599 | $1,206 |
| 2010 | $639 | $1,224 |
| 2009 | $654 | $1,241 |
Hyundai Elantra Insurance Costs by Driver Age
Hyundai Elantra insurance rates vary greatly depending on the driver's age. For example, 40-year-olds pay around $1,394 per year for full coverage, while 16-year-olds pay about $6,061. Below are the average minimum and full coverage rates for Hyundai Elantra drivers across ages.
| 16 | $2,977 | $6,061 |
| 17 | $2,416 | $4,939 |
| 18 | $2,110 | $4,351 |
| 19 | $1,493 | $3,093 |
| 20 | $1,341 | $2,811 |
| 21 | $1,061 | $2,263 |
| 22 | $967 | $2,080 |
| 23 | $898 | $1,942 |
| 24 | $851 | $1,848 |
| 25 | $757 | $1,654 |
| 26 | $736 | $1,598 |
| 27 | $719 | $1,563 |
| 28 | $707 | $1,539 |
| 29 | $696 | $1,518 |
| 30 | $673 | $1,464 |
| 35 | $655 | $1,420 |
| 40 | $648 | $1,394 |
| 45 | $642 | $1,376 |
| 50 | $627 | $1,334 |
| 55 | $610 | $1,297 |
| 60 | $610 | $1,292 |
| 65 | $651 | $1,353 |
| 70 | $706 | $1,448 |
| 75 | $784 | $1,588 |
| 80 | $888 | $1,768 |
| 85 | $961 | $1,897 |
| 90 | $1,014 | $1,988 |
Hyundai Elantra Insurance Rates Explained
Driver profiles play a key role in determining car insurance rates, but insurers also consider vehicle-specific factors like make, model, age and safety features. These details significantly affect your premiums.
Hyundai Elantra Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Hyundai Elantra
Average Full Coverage Rate
$1,382Premiums for Hyundai Elantra are:$86 more
This is 7% more expensive.
Value
The Hyundai Elantra is a sedan with an MSRP of $30,600. Its lower price point can help make insurance premiums more affordable.
Repair costs
The Hyundai Elantra's annual repair cost is $452, below the national average, potentially resulting in lower insurance premiums.
Performance
The Hyundai Elantra's 0-to-60 time of 8.1 seconds and horsepower range of 147 to 201 classify it as a non-high-performance vehicle, potentially leading to moderate insurance costs.
Vehicle age
Newer Hyundai Elantras typically cost more to insure than older ones. However, collector and classic vehicles can be very expensive to insure.
Safety features
The Hyundai Elantra's safety features and 5/5 NHTSA rating can help lower insurance costs.
Vehicle size
The Hyundai Elantra's moderate size and 3,020-lb curb weight have minimal impact on insurance costs.
Trim level
Higher trim levels like the Hyundai Elantra N Line DCT or Limited IVT have higher MSRPs, increasing insurance costs compared to the base model.
Theft rates
Vehicles with higher theft risks typically cost more to insure. The Hyundai Elantra's average theft rate likely has minimal impact on its insurance costs.
Anti-theft features
Vehicles with anti-theft features often qualify for lower premiums. The Hyundai Elantra's anti-theft features may help lower insurance costs.
Cheapest Hyundai Elantra Insurance
State Farm provides the cheapest rate for a Hyundai Elantra, averaging $508 annually for minimum coverage for a 40-year-old male with a clean driving record. Below is a breakdown of the most affordable auto insurance rates across coverage levels, age groups, driving records and model years.
Cheapest Hyundai Elantra Insurance by Coverage Level
Your coverage level significantly impacts your Hyundai Elantra insurance rate. State Farm offers the lowest average minimum and full coverage rates. Below is a summary of the most affordable providers for each coverage type.
Cheapest Hyundai Elantra Minimum Coverage
State Farm offers the cheapest minimum coverage for Hyundai Elantra at $42 monthly. Other affordable options include GEICO at $43, Travelers at $55 and Allstate at $58.
| USAA | $35 | $415 |
| State Farm | $42 | $508 |
| GEICO | $43 | $520 |
| Travelers | $55 | $659 |
| Progressive | $58 | $699 |
| Allstate | $58 | $701 |
| Nationwide | $61 | $731 |
| Farmers | $65 | $785 |
*State Farm offers non-military-affiliated Hyundai Elantra owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Hyundai Elantra Insurance Rates by Model Year
Because the above list doesn't consider your vehicle's production year, you might find lower insurance rates based on your car's age. Filter the table below to find the cheapest minimum coverage rates for each Hyundai Elantra production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $714 | $60 |
| Farmers | $776 | $65 |
| GEICO | $539 | $45 |
| Nationwide | $728 | $61 |
| Progressive | $726 | $61 |
| State Farm | $468 | $39 |
| Travelers | $705 | $59 |
| USAA | $455 | $38 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Hyundai Elantra Insurance
State Farm offers the cheapest full coverage for a Hyundai Elantra at $93 monthly or $1,120 annually. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $81 | $974 |
| State Farm | $93 | $1,120 |
| GEICO | $95 | $1,141 |
| Allstate | $121 | $1,448 |
| Nationwide | $123 | $1,472 |
| Travelers | $125 | $1,494 |
| Progressive | $128 | $1,535 |
| Farmers | $141 | $1,690 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Hyundai Elantra owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Hyundai Elantra Insurance by Age
Young drivers (16 to 25) and seniors (55+) typically face higher Hyundai Elantra insurance rates. Comparing providers can help reduce these expenses. Below is a breakdown of the most affordable options by age group.
Cheapest Hyundai Elantra Insurance for Young Drivers
Hyundai Elantra drivers aged 16 to 25 can find the cheapest minimum coverage with State Farm at $92 monthly or $1,108 annually. Below is the complete list of affordable car insurance rates for young drivers.
| USAA | $71 | $857 |
| State Farm | $92 | $1,108 |
| GEICO | $104 | $1,253 |
| Travelers | $115 | $1,378 |
| Allstate | $136 | $1,634 |
| Progressive | $162 | $1,941 |
| Nationwide | $162 | $1,944 |
| Farmers | $177 | $2,129 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Hyundai Elantra Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $47 monthly or $559 annually. The table below highlights the full list of affordable Hyundai Elantra insurers.
| USAA | $46 | $551 |
| State Farm | $47 | $559 |
| GEICO | $52 | $624 |
| Travelers | $66 | $791 |
| Nationwide | $71 | $858 |
| Allstate | $72 | $860 |
| Progressive | $74 | $892 |
| Farmers | $88 | $1,054 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Hyundai Elantra Insurance After an Accident
For Hyundai Elantra drivers, State Farm, GEICO and Travelers are the most affordable car insurance providers after an accident. See the complete list below.
| USAA | $53 | $632 |
| State Farm | $53 | $635 |
| GEICO | $68 | $821 |
| Travelers | $80 | $956 |
| Allstate | $80 | $962 |
| Nationwide | $95 | $1,139 |
| Progressive | $95 | $1,145 |
| Farmers | $130 | $1,561 |
*State Farm provides the lowest rates for non-military-affiliated at-fault Hyundai Elantra drivers. USAA is the most affordable option for military-affiliated drivers.
Hyundai Elantra Insurance Cost: Bottom Line
Regularly compare rates from various providers to secure the cheapest car insurance. This article examines Hyundai Elantra insurance costs across demographics and highlights the most affordable providers.
Hyundai Elantra Insurance Rates: FAQ
Below are common questions about Hyundai Elantra insurance costs, explained in simple terms for easy understanding.
What company has the cheapest car insurance for a Hyundai Elantra?
State Farm provides the most affordable minimum coverage auto insurance for a Hyundai Elantra, averaging $508 annually.
What is the average cost of car insurance for a Hyundai Elantra?
A Hyundai Elantra's average annual insurance cost is $635 for minimum coverage and $1,382 for full coverage.
Hyundai Elantra Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Hyundai Elantra insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Hyundai Elantra:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Hyundai Elantra insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Hyundai Elantra.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.