Hyundai Elantra insurance costs average $98 monthly for minimum coverage and $190 per month for full coverage. But, depending on your particular trim and model year, costs can range from $51 for a 2017 Hyundai Elantra to $380 for a 2025 Hyundai Elantra monthly.
Hyundai Elantra Insurance Cost
Updated: September 24, 2025
Key Takeaways
Hyundai Elantra insurance costs start at $89 monthly for minimum coverage and reach up to $380 for full coverage, with rates varying based on trim level and model year.
The Hyundai Elantra ranks 201st for insurance affordability among 827 vehicle models available in the United States market, placing it in the middle tier for cost-effectiveness.
GEICO provides the most affordable Elantra insurance with full coverage starting at $140 monthly, while minimum coverage policies begin at just $65 per month.
How Much Is Hyundai Elantra Insurance?
| Hyundai Elantra | $98 | $190 |
Hyundai Elantra Insurance Cost by Model Year
Your Hyundai Elantra's model year and trim level directly impact your insurance rates. Newer vehicles cost more to insure due to their higher replacement value. Monthly premiums for Elantra models range from $57 for older years to $333 for the newest models.
| 2025 | $172 | $333 |
| 2024 | $167 | $325 |
| 2023 | $132 | $256 |
| 2022 | $123 | $238 |
| 2021 | $111 | $215 |
| 2020 | $92 | $178 |
| 2019 | $80 | $156 |
| 2018 | $67 | $131 |
| 2017 | $57 | $111 |
| 2016 | $103 | $198 |
| 2015 | $94 | $181 |
| 2014 | $89 | $171 |
| 2013 | $83 | $160 |
| 2012 | $76 | $147 |
| 2011 | $114 | $219 |
| 2010 | $108 | $207 |
| 2009 | $96 | $184 |
| 2008 | $80 | $154 |
| 2007 | $80 | $153 |
| 2006 | $77 | $148 |
| 2005 | $78 | $150 |
| 2004 | $66 | $126 |
| 2003 | $62 | $119 |
| 2002 | $76 | $146 |
| 2001 | $72 | $139 |
| 2000 | $65 | $125 |
Hyundai Elantra Insurance Cost by Trim
Your Hyundai Elantra's trim level affects insurance costs based on features, market value and theft risk. Basic SE models cost around $57 monthly to insure, while premium Limited Hev trims reach $374 monthly. That's a huge difference for the same car.
| 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 |
Compare Personalized Hyundai Elantra Insurance Costs
We've broken down Hyundai Elantra insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
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Model Year:2024
Select
Trim:Blue Hev
| Blue Hev | $170 | $329 |
Hyundai Elantra Insurance Cost by Company
Hyundai Elantra insurance costs vary by provider from $103 to $245 monthly. Minimum coverage ranges from $65 to $158, while full coverage costs $140 to $350. Rates vary due to different risk assessment models.
| AAA | $105 | $217 |
| AIG | $140 | $350 |
| Allstate | $124 | $239 |
| Amica | $119 | $243 |
| Chubb | $133 | $262 |
| Farmers | $139 | $247 |
| GEICO | $65 | $140 |
| Kemper | $98 | $196 |
| Nationwide | $124 | $214 |
| Progressive | $98 | $184 |
| State Farm | $94 | $195 |
| The Hartford | $101 | $173 |
| Travelers | $95 | $174 |
| UAIC | $158 | $198 |
Hyundai Elantra Insurance Cost by State
Car insurance for a Hyundai Elantra ranges from $34 monthly in Wyoming to $411 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your age and driving history influence Hyundai Elantra insurance costs. Adult drivers between 26-64 with clean records pay as little as $144 monthly, while young drivers under 25 can expect rates as high as $366 per month even without violations.
| Adult Drivers | $98 | $190 |
| Young Drivers | $251 | $481 |
| Senior Drivers | $131 | $241 |
| Drivers With a Speeding Ticket | $123 | $239 |
| Drivers With an Accident | $145 | $278 |
| Drivers With a DUI | $180 | $344 |
| Drivers With Bad Credit | $234 | $469 |
Is a Hyundai Elantra Expensive to Insure?
The Elantra ranks 201st for insurance affordability, placing it in the more affordable half of all vehicles. But when compared specifically to other compact sedans, the Elantra ranks as the fourth most expensive model.
| Dodge Neon | $55 | $107 |
| Chevrolet Prizm | $63 | $120 |
| Saturn Ion | $65 | $125 |
| Chevrolet Cavalier | $66 | $126 |
| Saturn Astra | $66 | $126 |
| Pontiac Sunfire | $67 | $128 |
| Mitsubishi Mirage | $69 | $133 |
| Chevrolet Cobalt | $71 | $136 |
| Honda Insight | $77 | $150 |
| Lexus CT | $81 | $156 |
| Honda Civic | $82 | $158 |
| Mazda 3 | $83 | $161 |
| Volkswagen Jetta | $83 | $161 |
| Ford Focus | $84 | $162 |
| Subaru Impreza | $85 | $164 |
| Nissan Sentra | $85 | $163 |
| Toyota Corolla | $86 | $167 |
| Kia Borrego | $90 | $173 |
| Chevrolet Cruze | $90 | $173 |
| Lexus HS | $92 | $177 |
| Suzuki Kizashi | $93 | $179 |
| Kia K4 | $92 | $179 |
| Kia Forte | $93 | $180 |
| Dodge Dart | $100 | $193 |
| Hyundai Elantra | $103 | $199 |
| Toyota Prius | $107 | $207 |
| Mitsubishi Lancer | $113 | $218 |
| Subaru WRX | $113 | $219 |
Factors That Affect Hyundai Car Insurance Costs
Several factors affect what you'll pay for Hyundai Elantra insurance coverage:
- Age (younger median): If you are a younger driver, you will pay higher rates than experienced drivers due to risk profiles.
- Gender (balanced distribution): Compact sedans appeal to both male and female drivers seeking economical transportation.
- Income (budget-focused): Value-seeking buyers may choose minimum required coverage, though a comprehensive warranty provides peace of mind.
Average Repair or Replacement Costs
Hyundai ranks fourth in repair affordability among 59 U.S. automakers with median annual costs of $587. Hyundai Elantra repair costs average $547 annually, making it one of Hyundai's most affordable models to repair.
Vehicle Trim, Features and Accessories
The Elantra offers four trim levels (SE, SEL, Limited, N Line) with engines ranging from 147 horsepower (base 2.0L) to 201 horsepower (N Line 1.6L turbo). Higher trims with features like Bose audio systems, leather seating and advanced safety technology cost more to insure due to increased replacement values.
Fuel Type
Hyundai Elantras run on regular gasoline with impressive fuel economy reaching up to 41 MPG highway (SE trim). Hybrid models available with 54 MPG combined rating. The mainstream fuel requirements and excellent efficiency help keep overall operating costs low.
Location
Elantra insurance rates fluctuate by region based on state regulations, urban density and local theft statistics. Elantras have a higher theft risk in cities but benefit from widespread dealer networks.
Driver Profile
Most Hyundai Elantra drivers are middle-aged consumers attracted to the value, affordability and comprehensive warranty coverage.
Driver demographics affect Hyundai Elantra rates:
Cheapest Hyundai Elantra Insurance Companies
GEICO offers the most affordable Elantra insurance coverage. For comprehensive full coverage protection, GEICO provides the lowest rates at $140 monthly for Elantra drivers. When you only need basic minimum coverage to meet state requirements, GEICO remains your cheapest option with monthly premiums of $65.
| GEICO | $65 | $140 |
| Travelers | $95 | $174 |
| The Hartford | $101 | $173 |
| Progressive | $98 | $184 |
| State Farm | $94 | $195 |
Cheapest Hyundai Elantra Insurance by State
Overall we found that the following are the top three cheapest car insurance providers at the state for a Hyundai Elantra:
- GEICO: Wins for affordability in 20 states
- Auto-Owners: Wins for affordability in eight states
- State Farm: Wins for affordability in five states
You can filter to see who offers most affordable auto insurance rates for your Hyundai Elantra.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Cincinnati Insurance | $43 |
How to Get the Best Cheap Hyundai Elantra Insurance
We break down the best ways to save on Hyundai Elantra car insurance below:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Hyundai's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then it can be easier to look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Hyundai Elantra, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Elantra owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Elantra owners' moderate household incomes ($64,318 median) often mean multiple vehicles, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With 50% homeownership among Elantra drivers, you can bundle auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Elantra owners' mature age profile (median 50 years) results in clean driving records that qualify them for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): Even the base Elantra SE includes advanced safety features like driver attention warning, lane keeping assist, and blind-spot monitoring. The Elantra's 5-star NHTSA safety rating helps you qualify for safety discounts with most insurers.
- Hybrid/Fuel-Efficient Vehicle Discount (5% to 10% savings): The Elantra Hybrid's impressive 50+ MPG combined fuel economy qualifies for eco-friendly vehicle discounts, though availability varies by insurer and state.
- 5
Consider alternative car insurance types
Hyundai Elantra owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Hyundai Elantra insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Hyundai Elantra Insurance Cost: Bottom Line
Insuring a Hyundai Elantra costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Hyundai Elantra Insurance Rates: FAQ
Here are answers to common questions about insuring a Hyundai Elantra.
What is the average cost of car insurance for a Hyundai Elantra?
The Hyundai Elantra's average annual insurance cost is $1,181 for minimum coverage and $2,282 for full coverage.
What company has the cheapest car insurance for a Hyundai Elantra?
For comprehensive full coverage, GEICO provides the lowest rates at $140 monthly for Elantra drivers. When you only need basic minimum coverage to meet state requirements, GEICO remains your cheapest option with monthly premiums of $65 for the Elantra.
Are Hyundai Elantras expensive to insure?
It's affordable when compared with all vehicles. But among compact sedans, this model is more expensive than other similar vehicles.
What factors affect insurance costs for Hyundai Elantras?
Several things drive up your Hyundai Elantra rates. Repairs cost more because of specialized parts and the steel body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or high weather risks will pay more for car insurance.
How can I lower Hyundai Elantra insurance costs?
Shop around with multiple insurers as rates vary for Hyundais, and consider usage-based insurance programs that track your driving habits. Take advantage of Hyundai's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Hyundai Elantra Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Hyundai Elantra insurance costs.
Who We Based These Rates On
These Hyundai Elantra prices reflect what a typical 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. 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.