Hyundai Elantra Insurance Cost

Hyundai Elantra insurance costs average $98 monthly for minimum coverage and $190 per month for full coverage. Depending on your trim and model year, costs can range from $51 for a 2017 Hyundai Elantra to $380 monthly for a 2025 Hyundai Elantra.

Your Hyundai Elantra's model year and trim level directly impact your insurance rates. Newer vehicles cost more to insure because of their higher replacement value. Monthly premiums for Elantra models range from $57 for older years to $333 for the newest models.

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.

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 because of different risk assessment models.

Car insurance for a Hyundai Elantra ranges from $34 monthly in Wyoming to $411 in Louisiana.

Your age and driving history influence Hyundai Elantra insurance costs. Adult drivers between 26 to 64 with clean records pay as little as $144 monthly, while young drivers under 25 see rates as high as $366 per month even without violations.

The Elantra ranks 201st for insurance affordability, placing it in the more affordable half of all vehicles. When compared to other compact sedans, the Elantra ranks as the fourth most expensive model.

Several factors affect what you'll pay for Hyundai Elantra insurance coverage:

We break down the best ways to save on Hyundai Elantra car insurance below:

Insuring a Hyundai Elantra costs more than average, but you can still find good rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.

Here are answers to common questions about insuring a Hyundai Elantra.

Hyundai Elantra owners need accurate rate estimates that account for this model's unique insurance position: affordable as a compact sedan but with higher theft risk and repair costs that vary by trim level. We analyzed hundreds of millions of quotes to show you what real Elantra drivers pay across different profiles and locations.

Our driver profile: We based these rates on a 40-year-old unmarried male with a clean driving record (no tickets or crashes), good credit, no insurance claims and about 12,000 annual miles. He has a valid driver's license with no suspensions.

Why these choices matter: The 40-year-old profile represents the Elantra's median buyer age: mature enough for lower rates but young enough to reflect active driving patterns. The 12,000 annual miles matches typical commuting use for compact sedans. Good credit matters significantly for Elantras since insurers price this high-theft-risk model more carefully, with credit-based pricing creating wider rate spreads than for lower-risk vehicles.

Clean record baseline: Starting with a violation-free driver shows standard Elantra pricing. However, this model's rates spike dramatically with violations: DUIs can increase premiums by 80% or more, and even minor speeding tickets add 20-25% to your costs. The Elantra's younger buyer demographic means many drivers will pay these higher rates.

Coverage definitions: Minimum coverage reflects each state's required liability limits, which vary considerably. Some states require just 25/50/25 coverage while others mandate higher limits. Full coverage includes 100/300/100 liability ($100,000 bodily injury per person, $300,000 per accident, $100,000 property damage) plus comprehensive and collision with $1,000 deductibles. This deductible balances affordable premiums with manageable out-of-pocket costs for Elantra owners, whose average household income of $64,000 makes $500 deductibles potentially difficult to afford after a claim.

Trim and year variations: We analyzed rates across all Elantra trims from 2000 to 2025 models. Basic SE trims cost around $110 monthly for full coverage, while premium Limited and N Line trims reach $330 to $380 monthly because of higher replacement costs. Newer models (2023 to 2025) cost 30% to 40% more to insure than older models (2017-2020) due to advanced technology and higher values.

State-by-state differences: Elantra rates range from $34 monthly in Wyoming to $411 in Louisiana, reflecting each state's unique factors: theft rates, weather risks, litigation environments and required coverage levels. Urban areas within each state see even higher premiums because of increased accident frequency and theft.

These rates come from analyzing quote data across all 50 states and hundreds of insurance providers. Your actual rate will depend on your specific location, driving record, credit score and chosen coverage levels.