The Hyundai Elantra is a compact car known for its longevity and durability. The vehicle first debuted in the U.S. in 1992 and offers two engine options: a 2.0-liter four-cylinder and a 1.6-liter turbocharged engine. No matter which type of Elantra you drive, it needs to be protected with the right car insurance.
When it's time to find the best Hyundai Elantra insurance, an independent insurance agent can assist you. These agents know where to find great Hyundai insurance that delivers quality. But first, here's a behind-the-scenes look at how much it costs to insure a Hyundai Elantra by model year and top-rated insurance company in 2026.
Key Takeaways - Hyundai Elantra Car Insurance
Hyundai Elantra insurance costs an average of $2,030 per year, or approximately $169 per month, for full coverage in 2026.
Hyundai Elantra insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $34 monthly for minimum coverage, while those in Louisiana pay $189.
USAA, American Family, and Progressive are the cheapest carriers for model-year 2025 Hyundai Elantra insurance this year.
Your age, location, credit, and driving history can all impact the cost of Hyundai Elantra insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Hyundai Elantra model.
What Is Hyundai Elantra Insurance?
Hyundai Elantra insurance is a type of car insurance policy that includes custom coverage tailored to your unique vehicle. As a compact sedan, the Elantra likely doesn't need much additional coverage beyond that of any other vehicle. Further, the Elantra's average insurance rates tend to be affordable when compared to other vehicles in its class.
Recommended coverage options for Hyundai Elantra drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Hyundai Elantra:
- Hyundai warranty insurance: This can extend Hyundai's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Hyundai parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Hyundai vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Your state likely requires certain types of car insurance by law. A local independent insurance agent can help you satisfy local car insurance requirements. They can also help you compare Hyundai Elantra SE insurance costs, Hyundai Elantra SEL insurance costs, Hyundai Elantra N insurance costs, and Hyundai Elantra hybrid insurance costs.
How Much Does Hyundai Elantra Insurance Cost?
The average cost of car insurance for a Hyundai Elantra is $2,030 per year, or approximately $169 per month, for full coverage. However, several factors can influence the cost of Hyundai insurance, including:
- The specific type of Elantra you drive
- Your driving history
- Your credit score (where allowed)
- Your location
- The types and amount of coverage you need
- Your claims history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Hyundai Elantra full coverage insurance or a basic Hyundai Elantra liability insurance policy.
Is the Hyundai Elantra Expensive to Insure?
No, the Hyundai Elantra isn't expensive to insure on average. The average monthly cost of Hyundai Elantra auto insurance is $169, while the average for other sedans is $203.
| Vehicle | Average Monthly Cost of Car Insurance |
| Hyundai Elantra | $169 |
| All Sedans | $203 |
Hyundai Elantra Insurance Costs by Model Year
Next, we'll break down several model years of the Hyundai Elantra GT and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Hyundai Elantra GT* | $1,365 |
| 2025 Hyundai Elantra GT | $1,348 |
| 2023 Hyundai Elantra GT | $3,611 |
| 2022 Hyundai Elantra GT | $3,790 |
| 2021 Hyundai Elantra GT | $1,452 |
| 2020 Hyundai Elantra GT | $852 |
| 2019 Hyundai Elantra GT | $919 |
| 2018 Hyundai Elantra GT | $639 |
| 2017 Hyundai Elantra GT | $875 |
| 2016 Hyundai Elantra GT | $692 |
| 2015 Hyundai Elantra GT | $813 |
| 2014 Hyundai Elantra GT | $668 |
| 2013 Hyundai Elantra GT | $552 |
*Note: The 2026 Hyundai Elantra GT's average rate is a projection based on the observation of inflation trends and current market data.
Cheapest Hyundai Elantra Car Insurance Companies for 2026
Affordable Hyundai Elantra auto insurance is sold by many different carriers across the U.S. These top-rated car insurance companies provide the cheapest model-year 2025 Hyundai Elantra insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,700 |
| American Family | $1,875 |
| Progressive | $1,893 |
| Erie | $2,136 |
| Nationwide | $2,640 |
| Allstate | $4,605 |
Hyundai Elantra Car Insurance Rates by State
Where you live can play a role in your car insurance cost calculations. Here are some average car insurance rates for the Hyundai Elantra by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Hyundai Elantra Insurance Rates by Driver Age and Profile
Your age, credit, and driving history all can impact the cost of your car insurance. At age 25, car insurance rates plummet until about age 65, then gradually climb again.
Here are some average auto insurance rates for the Hyundai Elantra by driver age and profile in 2026.
| Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,786 | $11,433 | $13,375 |
| 20 | $6,000 | $8,810 | $10,306 |
| 25 | $3,515 | $5,161 | $6,038 |
| 30 | $2,738 | $4,021 | $4,704 |
| 35 | $2,564 | $3,766 | $4,405 |
| 40 | $2,466 | $3,622 | $4,237 |
| 45 | $2,400 | $3,524 | $4,123 |
| 55 | $2,201 | $3,232 | $3,781 |
| 65 | $2,296 | $3,371 | $3,944 |
| 75 | $2,898 | $4,255 | $4,978 |
Hyundai Elantra Insurance Rates by Trim Level
Your vehicle's trim level can also impact the cost of your car insurance. Here are some average Elantra auto insurance rates by trim for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
| SELD 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 |
Best Hyundai Elantra Insurance Discounts: How to Lower Your Hyundai Elantra Insurance Premiums
While Hyundai Elantra insurance already tends to be affordable, there are still ways you can potentially reduce your premiums even further, such as by doing any of the following:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Hyundai may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about Hyundai Elantra insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Hyundai Elantra insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Hyundai Elantra insurance from a trusted carrier near you.
A local independent insurance agent can help you find the cheapest coverage for your Hyundai Elantra. They can also recommend additional ways you can potentially reduce your car insurance costs even more.
An Independent Insurance Agent Can Help You Get the Best Hyundai Elantra Insurance Quotes
When it's time to find the most affordable Hyundai Elantra insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Hyundai Elantra insurance coverage and cost. They can also help you find the best car insurance for a Hyundai electric car.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Hyundai Elantra Insurance
How much does Hyundai Elantra insurance cost per year?
The average annual cost of full coverage for a Hyundai Elantra is $2,030 per year, or approximately $169 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Hyundai Elantra insurance premiums?
Having filed past claims, accidents on your record, or living in an area with high theft rates can all increase the cost of Hyundai Elantra auto insurance.
Is the Hyundai Elantra expensive to insure?
No, the Hyundai Elantra is actually cheaper to insure than many other sedans. While the Hyundai Elantra's average full coverage rates are just $169 per month, other sedans average $203 per month.
What are the best and cheapest carriers for Hyundai Elantra insurance in 2026?
We found that USAA, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2025 Hyundai Elantra insurance this year.
How can I get cheaper Hyundai Elantra insurance?
Finding cheaper Hyundai Elantra insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/hyundai/elantra/
https://caredge.com/hyundai/elantra/insurance
https://www.insuranceopedia.com/auto-insurance/hyundai-elantra-gt-car-insurance
https://www.moneygeek.com/insurance/auto/hyundai-elantra-insurance/