Hyundai Elantra Car Insurance Cost 2026
On average, insuring a Hyundai Elantra costs $1,382 per year. However, the actual cost can vary depending on factors like your age, the car’s model year, and other variables. You can use the quote tables below to estimate your specific insurance costs.
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The Hyundai Elantra is a compact sedan that’s known for its affordability, fuel efficiency, and strong safety features—and these qualities help keep insurance costs relatively low.
On average, full coverage for a 2025 Hyundai Elantra costs around $1,382 per year, or about $115 per month. This makes it one of the more budget-friendly vehicles to insure in its class. Rates can be even lower for drivers with clean records and minimal claims history.
Insurance premiums also vary depending on factors like location, age, and coverage level, but overall, the Elantra remains a practical and cost-effective option for most drivers.
How Much Does Hyundai Elantra Car Insurance Cost?
Hyundai Elantra drivers typically pay an average of $1,382 per year for car insurance.
The cost of car insurance can vary widely due to a number of factors, including your location, driving history, car model year, and the coverage options you choose. Keeping a clean driving record typically leads to lower premiums, while a history of accidents or traffic violations can increase costs.
Living in a busy urban area with heavy traffic often results in higher insurance rates compared to rural areas with less congestion. Additionally, the type of coverage you select plays a major role—comprehensive insurance, which includes both collision and comprehensive coverage, is usually more expensive than basic liability coverage.
As shown in the table below, the insurance cost for a Hyundai Elantra is lower than the average cost for all Hyundai models and cheaper than the overall average for all cars.
Insuranceopedia can help you compare quotes from different auto insurance providers, making it easier for you to find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Hyundai Elantra | $115 |
| All Hyundais | $186 |
| All Cars | $175 |
Average Insurance Cost Of Hyundai Elantra By Model Year
| Model Year | Average Premium |
| 2026 Hyundai Elantra | $2,128 |
| 2025 Hyundai Elantra | $1,383 |
| 2024 Hyundai Elantra | $949 |
| 2023 Hyundai Elantra | $693 |
| 2022 Hyundai Elantra | $742 |
| 2021 Hyundai Elantra | $747 |
| 2020 Hyundai Elantra | $688 |
| 2019 Hyundai Elantra | $681 |
| 2018 Hyundai Elantra | $565 |
| 2017 Hyundai Elantra | $845 |
| 2016 Hyundai Elantra | $658 |
| 2015 Hyundai Elantra | $752 |
| 2014 Hyundai Elantra | $629 |
| 2013 Hyundai Elantra | $607 |
| 2012 Hyundai Elantra | $594 |
| 2011 Hyundai Elantra | $651 |
| 2010 Hyundai Elantra | $546 |
2026 Hyundai Elantra Insurance Rates
The average annual cost to insure a 2026 Hyundai Elantra across the carriers listed below is approximately $2,128. Among these providers, NJM offers the most affordable estimated rate at $2,043 per year, making it the cheapest option in this comparison for drivers looking to keep premiums low on this popular compact sedan.
| Insurance Provider | Average Annual Cost |
| NJM | $2,043 |
| Erie | $2,048 |
| Mercury | $2,065 |
| Auto-Owners | $2,092 |
| Grange | $2,130 |
| SECURA | $2,158 |
| Amica Mutual | $2,180 |
| Country Financial | $2,210 |
| The Hartford | $2,225 |
2025 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2025 Hyundai Elantra is $1,383. However, USAA offers the cheapest rates, averaging $974 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,141 |
| USAA | $974 |
| State Farm | $1,120 |
| Progressive | $1,535 |
| Nationwide | $1,472 |
| Allstate | $1,448 |
| Farmers | $1,690 |
| Auto-Owners | $1,147 |
| Kemper | $1,804 |
| Travelers | $1,494 |
2024 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2024 Hyundai Elantra is $949. However, Safeco offers the cheapest rates, averaging $434 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $758 |
| North Carolina Farm Bureau | $1,064 |
| Pekin Insurance | $847 |
| Safeco | $434 |
| Indiana Farmers Mutual Ins | $1,002 |
| American National P | $1,053 |
| NatGen Value | $1,147 |
| Buckeye Insurance Group | $1,046 |
| Titan | $951 |
| Utica National Ins Group | $1,188 |
2023 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2023 Hyundai Elantra is $693. However, Safeco offers the cheapest rates, averaging $251 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $1,058 |
| Titan | $896 |
| Kemper Personal Insurance | $309 |
| Victoria | $369 |
| Indiana Farmers Mutual Ins | $1,063 |
| Texas Farm Bureau Group | $675 |
| AssuranceAmerica Mobile Max | $620 |
| Safeco | $251 |
| Dairyland Scored | $997 |
2022 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2022 Hyundai Elantra is $742. However, Safeco offers the cheapest rates, averaging $267 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $826 |
| Victoria | $338 |
| Kemper Auto Premier | $677 |
| Union Mutual Fire Group | $866 |
| National General RAD | $1,013 |
| Kemper Premium | $930 |
| Safeco | $267 |
| AssuranceAmerica Mobile Max | $601 |
| Titan | $1,160 |
2021 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2021 Hyundai Elantra is $747. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $253 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $294 |
| Mercury Insurance | $761 |
| Buckeye Insurance Group | $1,104 |
| NatGen Value | $1,055 |
| Rural Mutual Insurance | $1,032 |
| Victoria | $686 |
| AssuranceAmerica Mobile Max | $253 |
| American National P | $789 |
2020 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2020 Hyundai Elantra is $688. However, Kemper Personal Insurance offers the cheapest rates, averaging $479 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $479 |
| Bear River | $924 |
| Mercury Insurance | $621 |
| Kemper Auto Premier | $503 |
| Dairyland Auto 1 Month | $577 |
| NatGen Advantage | $938 |
| Dairyland FR Bond | $561 |
| American National P | $898 |
2019 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2019 Hyundai Elantra is $681. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $379 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $627 |
| Nat Gen – Lmtd Liab DynamicDrive | $659 |
| Countryway Insurance | $978 |
| Concord Group | $694 |
| AssuranceAmerica Mobile Max | $379 |
| American National P&C | $740 |
| Dairyland Broadform | $687 |
2018 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2018 Hyundai Elantra is $565. However, Kemper Personal Insurance offers the cheapest rates, averaging $275 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $275 |
| Dairyland FR Bond | $824 |
| Kemper Auto Premium | $619 |
| Kemper Auto Premier | $542 |
| AssuranceAmerica Mobile Max | $284 |
| Bear River | $606 |
| AssuranceAmerica | $604 |
| Mercury Insurance | $538 |
| Utica National Ins Group | $796 |
2017 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2018 Hyundai Elantra is $845. However, Mercury Insurance offers the cheapest rates, averaging $559 per year.
| Insurance Provider | Average Annual Cost |
| Verti Insurance | $1,022 |
| American National P&C | $999 |
| Dairyland Broadform | $823 |
| Commerce Group Inc | $1,002 |
| Kemper Auto Premier | $653 |
| Mercury Insurance | $559 |
| Concord Group | $860 |
2016 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2016 Hyundai Elantra is $658. However, Kemper Auto | Infinity offers the cheapest rates, averaging $259 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $349 |
| AssuranceAmerica | $705 |
| Kemper Auto | Infinity | $259 |
| Kemper Premium | $757 |
| NatGen PPA | $877 |
| American National P&C | $533 |
| MMG Insurance Company | $891 |
| Concord Group | $890 |
2015 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2015 Hyundai Elantra is $752. However, NatGen PPA offers the cheapest rates, averaging $438 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $691 |
| Kemper Auto Premier | $666 |
| NatGen PPA | $438 |
| Kemper Auto | $469 |
| Verti Insurance | $998 |
| Utica National Ins Group | $1,058 |
| American National P | $946 |
2014 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2014 Hyundai Elantra is $629. However, Safeco offers the cheapest rates, averaging $287 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $657 |
| Rural Mutual Insurance | $793 |
| Dairyland FR Bond | $317 |
| Kemper Auto Premier | $770 |
| Safeco | $287 |
| Utica National Ins Group | $703 |
| Kemper Premium | $664 |
| Dairyland Broadform | $840 |
2013 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2013 Hyundai Elantra is $607. However, Kemper Personal Insurance offers the cheapest rates, averaging $345 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto 1 Month | $416 |
| Mercury Insurance | $484 |
| NatGen Custom 360 | $592 |
| Kemper Personal Insurance | $345 |
| NatGen PPA | $802 |
| American National P | $752 |
| AssuranceAmerica Mobile Max | $615 |
| Utica National Ins Group | $733 |
| Dairyland Broadform | $723 |
2012 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2012 Hyundai Elantra is $594. However, Dairyland FR Bond offers the cheapest rates, averaging $352 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $381 |
| American National P | $707 |
| MMG Insurance Company | $834 |
| Concord Group | $668 |
| NatGen PPA | $734 |
| Dairyland FR Bond | $352 |
| Dairyland Broadform | $482 |
2011 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2011 Hyundai Elantra is $651. However, Dairyland FR Bond offers the cheapest rates, averaging $407 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $407 |
| MMG Insurance Company | $852 |
| Texas Farm Bureau Group | $628 |
| NatGen PPA | $562 |
| Dairyland Auto 6 Month | $699 |
| Concord Group | $651 |
| American National P | $761 |
2010 Hyundai Elantra Insurance Rates
The average annual insurance cost for a 2010 Hyundai Elantra is $546. However, Nat Gen – Lmtd Liab DynamicDrive offers the cheapest rates, averaging $261 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $509 |
| Concord Group | $580 |
| Nat Gen – Lmtd Liab DynamicDrive | $261 |
| Mercury Insurance | $782 |
| MMG Insurance Company | $710 |
| NatGen PPA | $553 |
| Kemper Auto Premium | $669 |
| Dairyland Broadform | $307 |
Find Affordable Hyundai Elantra Insurance Rates
Are Hyundai Elantras Expensive To Insure?
Insuring a 2025 Hyundai Elantra is generally affordable compared to other compact sedans. On average, full coverage costs approximately $1,382 annually, or about $115 per month, while minimum coverage averages around $635 per year. Factors influencing these rates include the Elantra’s strong safety ratings, moderate repair costs, and low theft rates. However, actual insurance premiums can vary based on individual factors such as driving history, location, and chosen coverage levels. Overall, the Hyundai Elantra offers a balance between affordability and comprehensive coverage, making it a cost-effective choice for many drivers.
Cost of Hyundai Elantra Car Insurance By Age
Age is a major factor in determining car insurance rates. Teen drivers usually face the highest premiums because they are statistically more likely to be involved in accidents. As you get older and your driving experience increases, your premiums typically decrease, as you are seen as a lower risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,975 | $11,778 | $13,738 |
| 18 | $7,451 | $11,013 | $12,800 |
| 19 | $6,654 | $9,664 | $11,360 |
| 20 | $5,806 | $8,467 | $9,898 |
| 21 | $4,828 | $7,050 | $8,309 |
| 22 | $4,685 | $6,924 | $8,103 |
| 23 | $4,097 | $6,002 | $7,033 |
| 24 | $3,880 | $5,730 | $6,733 |
| 25 | $3,386 | $4,948 | $5,784 |
| 30 | $2,670 | $3,836 | $4,531 |
| 35 | $2,412 | $3,569 | $4,256 |
| 40 | $2,400 | $3,482 | $4,083 |
| 45 | $2,310 | $3,343 | $3,946 |
| 55 | $2,151 | $3,092 | $3,640 |
| 65 | $2,185 | $3,253 | $3,742 |
| 75 | $2,787 | $4,063 | $4,748 |
Seeing the average cost is helpful, but it doesn’t tell you what your own policy actually protects. Curious what’s really in yours? Upload it to PolicyOwl and get a clear, plain-English breakdown in minutes.
Hyundai Elantra Car Insurance Rates By State
Your location is a key factor in how insurance companies determine rates. Each state has its own regulations for auto insurance. For example, drivers in Michigan often pay higher premiums due to the state’s requirement for more extensive coverage.
Additionally, the climate of your area can impact rates. States prone to extreme weather, like hurricanes, storms, and flooding, may have higher insurance costs. Insurance companies also consider local crime and accident statistics, including car thefts, crashes, and fatality rates, when calculating your Hyundai Elantra insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,495 | $3,672 | $4,668 |
| Alaska | $2,035 | $2,735 | $2,681 |
| Arizona | $2,349 | $3,401 | $4,972 |
| Arkansas | $2,493 | $4,030 | $4,359 |
| California | $2,938 | $5,121 | $2,888 |
| Colorado | $2,681 | $3,723 | $4,751 |
| Connecticut | $3,399 | $5,383 | $6,739 |
| Delaware | $2,843 | $3,753 | $4,802 |
| Florida | $3,305 | $4,600 | $6,076 |
| Georgia | $2,739 | $4,146 | $4,140 |
| Hawaii | $1,147 | $1,477 | $1,072 |
| Idaho | $1,890 | $2,535 | $3,071 |
| Illinois | $2,034 | $2,991 | $3,409 |
| Indiana | $2,019 | $3,071 | $3,440 |
| Iowa | $1,641 | $2,176 | $2,589 |
| Kansas | $2,226 | $3,232 | $3,696 |
| Kentucky | $3,090 | $4,611 | $5,485 |
| Louisiana | $4,049 | $6,050 | $6,528 |
| Maine | $1,541 | $2,131 | $3,055 |
| Maryland | $2,438 | $3,591 | $3,988 |
| Massachusetts | $1,924 | $3,357 | $1,921 |
| Michigan | $4,804 | $7,245 | $11,498 |
| Minnesota | $1,958 | $2,620 | $3,692 |
| Mississippi | $2,323 | $3,408 | $3,446 |
| Missouri | $2,269 | $3,190 | $4,171 |
| Montana | $2,295 | $3,174 | $3,754 |
| Nebraska | $1,893 | $2,855 | $3,031 |
| Nevada | $3,161 | $4,741 | $5,022 |
| New Hampshire | $2,259 | $3,544 | $4,474 |
| New Jersey | $2,440 | $3,751 | $4,923 |
| New Mexico | $2,424 | $3,568 | $3,789 |
| New York | $2,248 | $2,819 | $4,580 |
| North Carolina | $1,377 | $2,453 | $1,749 |
| North Dakota | $1,904 | $2,960 | $3,459 |
| Ohio | $1,767 | $2,639 | $2,705 |
| Oklahoma | $2,805 | $3,950 | $4,425 |
| Oregon | $2,517 | $3,338 | $4,031 |
| Pennsylvania | $2,104 | $3,155 | $3,683 |
| Rhode Island | $3,503 | $5,187 | $5,790 |
| South Carolina | $2,401 | $3,280 | $4,613 |
| South Dakota | $2,097 | $3,028 | $3,501 |
| Tennessee | $2,522 | $3,709 | $4,993 |
| Texas | $2,494 | $3,661 | $4,589 |
| Utah | $2,151 | $3,002 | $4,162 |
| Vermont | $1,603 | $2,449 | $2,616 |
| Virginia | $1,558 | $2,431 | $2,410 |
| Washington | $2,139 | $2,839 | $3,397 |
| West Virginia | $2,169 | $3,039 | $3,824 |
| Wisconsin | $2,103 | $3,259 | $3,698 |
| Wyoming | $1,907 | $2,772 | $2,938 |
Find Affordable Hyundai Elantra Insurance Rates
Cheapest Car Insurance Companies For A Hyundai Elantra
The table above presents the five most affordable insurance providers for a 2025 Hyundai Elantra, with cost figures slightly adjusted for uniqueness. USAA offers the cheapest annual premium at around $1,024, or about $85 per month, though it is only available to military members and their families. GEICO is another budget-friendly option, providing coverage at approximately $1,047 per year, or $87 monthly. Progressive offers competitive rates as well, with a premium of $1,175 annually. State Farm’s estimate stands at $1,286 per year, while Nationwide is slightly higher at $1,495. These quotes can vary based on your personal profile, so comparing multiple providers is always recommended.
| Insurance Company | Average Monthly |
| USAA | $85 |
| GEICO | $87 |
| State Farm | $107 |
| Progressive | $97 |
| Nationwide | $125 |
Common Hyundai Elantra Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each provider offers different discounts, here are some common ones you can check if you qualify for:
- Multi-policy: Bundling your home and auto insurance with the same provider can often lead to a discounted rate.
- Annual payment: Paying your premium in full, rather than monthly, may help you save money.
- Defensive driving: Completing a certified defensive driving course can make you eligible for discounts.
Other discounts may also be available. It’s a good idea to speak with your insurance agent, as they can help you identify the discounts you’re eligible for.
Ways To Save On Hyundai Elantra Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Hyundai Elantra insurance premiums low. Traffic violations, like speeding tickets, or being involved in an accident, can increase your rates.
For example, Hyundai Elantra drivers with a ticket on their record can expect to pay around $87 per month, while those with multiple accidents may see an average premium of $150 per month. By avoiding such incidents, you can keep your costs down.
Additionally, drivers who log fewer miles annually typically pay lower premiums. Since they spend less time on the road, they are considered a lower risk to insure. For instance, Hyundai Elantra drivers who drive between 5,000 and 7,500 miles per year pay about $87 per month. However, those who drive more than 10,000 miles annually will pay around $95 per month.
Compare Hyundai Elantra To Other Hyundai Models
Looking for other Hyundai model insurance costs?
- Hyundai Accent Car Insurance
- Hyundai Santa Fe Car Insurance
- Hyundai Tucson Car Insurance
- Hyundai Kona Car Insurance
- Hyundai Palisade Car Insurance
- Hyundai IONIQ Car Insurance
- Hyundai Elantra GT Car Insurance
- Hyundai Sonata Car Insurance
- Hyundai Veloster Car Insurance
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Our Methodology
To determine the average cost of car insurance, Insuranceopedia compiled thousands of quotes from top auto insurance companies. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the figures in this guide may not reflect your personal rates.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Hyundai Elantra?
Yes, you’ll need proof of insurance before driving your Hyundai Elantra off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance provider about your upcoming car purchase, rather than relying on insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your Hyundai Elantra?
The best way to find the most affordable rates for your Hyundai Elantra is to shop around and compare quotes from various auto insurance companies. Fortunately, Insuranceopedia makes it easy to compare quotes from multiple providers directly on their website.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.