Hyundai Elantra insurance image courtesy of QuoteInspector.com
Buying the cheapest auto insurance for a Hyundai Elantra in California hinges on an enormous amount of rating factors such as the mileage of your daily commute, what you do for a living, and any driving offenses on your record. Drivers in California pay approximately $1,063 a year to insure their Elantra, but that price is a valuation based upon a 40-year-old married male driver with full coverage and $500 deductibles.
But there is a high likelihood that you're not a 40-year-old male, you might be single instead of married, or maybe you just want liability only instead of full coverage. Having what appears to be a very minor change in rating variables or coverage information may result in a big change in the cost of insurance for a Hyundai Elantra.
The different assumptions illustrate why the best method for finding affordable rates for your Hyundai is to compare as many rates as you can.
The specific trim level will be a contributing factor to the cost of insurance, so the rate you will pay to insure a Elantra GLS Touring Station Wagon trim level will be $108 lower than the cost to insure the higher-end Elantra SE Touring Station Wagon model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $220 | $350 | $386 | $22 | $116 | $1,094 | $91 |
| Elantra Blue 4-Dr Sedan | $220 | $502 | $456 | $26 | $136 | $1,340 | $112 |
| Elantra GLS 4-Dr Sedan | $252 | $502 | $456 | $26 | $136 | $1,372 | $114 |
| Elantra SE 4-Dr Sedan | $252 | $502 | $456 | $26 | $136 | $1,372 | $114 |
| Elantra SE Touring Station Wagon | $252 | $426 | $386 | $22 | $116 | $1,202 | $100 |
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can change coverage prices substantially.
Deciding which companies have the best car insurance rates for a Hyundai Elantra calls for a bit more work in order to find coverage that fits your budget.
Each company has a different formula to determine premium rates, so let's rank the car insurance companies with the most affordable rates in California. It's important to understand that California car insurance rates are influenced by many factors that control the policy premium. Improving your credit score, buying a different home, or having an at-fault accident can trigger rate changes resulting in some companies being cheaper than competitors.
Best Cheap Insurance Rates for Your Hyundai
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,491 |
| 8 | Mercury | $1,533 |
| 9 | Allied | $1,541 |
| 10 | Allstate | $1,543 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
| Find Your Rate Go | ||
USAA has some of the best car insurance rates in San Diego at around $1,155 annually. This is $496 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the lowest-priced San Diego, CA car insurance companies.
In the rate table above, if you are insured with Century National and switched to USAA, you may realize an annual premium reduction of approximately $59. California drivers with CSAA could save as much as $67 a year, and Nationwide insureds might reduce prices by as much as $95 a year.
To get a quick, customized rate comparison, click here to start your free quote or visit any of the low-priced companies below.
Understand that those premiums are averaged for all insureds and vehicles and are not factoring in a specific zip code for a Hyundai Elantra. So the auto insurance company that fits your situation best may not even be in the list above. That is why you need to compare rates from multiple companies using your own specific driver information and vehicle.
Accidents and violations increase rates
One of the best ways to score low car insurance prices in San Diego for an Elantra is to drive safely and avoid at-fault accidents and violations. The diagram below shows how traffic citations and fender-benders can raise car insurance costs for different age groups. The costs are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of auto insurance per year with no accidents and a clean driving record is $2,314. Add in one speeding ticket and the average cost surges to $2,608, an increase of $294 each year. Now add one accident along with the one speeding ticket and the annual cost of car insurance for a Hyundai Elantra jumps again to an average of $3,426. That's an increase of $1,113, or $93 per month, just for a couple of infractions!
The importance of shopping around
California car insurance rates are influenced by many factors which can substantially change the policy price. Improving your credit rating, becoming a homeowner, or getting a couple of tickets may prompt premium changes that may make certain companies cheaper than competitors. In addition, auto insurance companies change prices as often as every three months to adjust for unexpected claims or profits. Higher than normal claims may result in additional price hikes, while lower claims may cause more affordable Elantra insurance rates.
The graph below shows rates for the cheapest car insurance in San Diego, CA for a 35-year-old female driver with no accidents, a clean driving record, and a good credit history. If we compare prices based on her current risk factors, Wawanesa quotes the lowest car insurance rates in San Diego at $1,166 annually. This is $485 less than the average premium paid by California drivers of $1,651. USAA, Nationwide, Century National, and CSAA are also included in the cheapest San Diego, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates a chargeable accident, less-than-perfect credit, and a speeding citation. Due to the fact that every auto insurer has a unique approach for determining prices, comparing rates will most likely result in a significantly different list of the cheapest San Diego car insurance companies as shown below.
Grange now has the cheapest price in San Diego with Mercury, GEICO, Allied, and Progressive also being competitive. This example demonstrates why it is important to do a thorough rate comparison to get the cheapest auto insurance rates for a Hyundai Elantra. Car insurance prices are made up of many factors and can increase or decrease at any time, so the cheapest option six months ago may now be one of the higher cost companies.