Finding the cheapest insurance for a Hyundai Elantra depends on a very complex rating algorithm that uses multiple factors such as whether you are married, your address, and any prior driving offenses. Drivers in Washington will pay on average $736 a year to insure their Elantra, but that is using a 30-year-old married male driver with full coverage and $500 deductibles.
This brings up the issue that more than likely you are not 30 and maybe not even a male, you might be single instead of married, and you might want liability-only or different deductibles. Having different needs demonstrates why the best method for finding cheap insurance prices for your Hyundai is to put in the effort to do a thorough rate comparison.
The specific model of Elantra will influence the cost of insurance, so the price you will pay to insure a Elantra GLS Touring Station Wagon will be $80 cheaper than the insurance cost for the high end Elantra SE Touring Station Wagon version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $162 | $254 | $250 | $14 | $76 | $756 | $63 |
| Elantra Blue 4-Dr Sedan | $162 | $364 | $294 | $18 | $88 | $926 | $77 |
| Elantra GLS 4-Dr Sedan | $186 | $364 | $294 | $18 | $88 | $950 | $79 |
| Elantra SE 4-Dr Sedan | $186 | $364 | $294 | $18 | $88 | $950 | $79 |
| Elantra SE Touring Station Wagon | $186 | $310 | $250 | $14 | $76 | $836 | $70 |
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific location which can lower or raise coverage rates considerably.
Best car insurance in Washington
Finding the highest-rated car insurance company is hard considering how many different companies sell coverage in Seattle. The rank data displayed below could help you select which insurers you want to consider when comparing insurance rates for a Hyundai Elantra.
The ratings below include companies with a nationwide focus, so companies with more of a regional focus will not be included in this list. To get rate quotes from many more Washington auto insurance companies, simply click here.
Top 10 Major Auto Insurers Overall in Seattle
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Allstate
The example below illustrates how your deductible choice can affect annual premium costs when quoting cheap insurance for a Hyundai Elantra. The rate quotes are based on a single male driver, full coverage, and no policy discounts are applied.
In the chart above, a 30-year-old driver could lower rates by $368 a year by changing from a $100 deductible to a $500 deductible, or save $554 by changing to a $1,000 deductible. Youthful drivers, like the age 20 example, have the ability to save $1,092 or more just by choosing larger deductibles. When choosing a higher deductible, it will now be necessary to have enough savings to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.
Discount Seattle car insurance rates
Insurance companies that offer quotes for a Hyundai Elantra may have price discounts that may potentially lower prices by as much as 30% if you qualify for them. Popular car insurance companies and their offered discounts are detailed below.
- Progressive includes discounts for continuous coverage, online signing, multi-vehicle, online quote discount, multi-policy, and homeowner.
- AAA may have discounts that include good driver, pay-in-full, education and occupation, multi-car, multi-policy, and AAA membership discount.
- Farmers Insurance offers discounts including distant student, early shopping, alternative fuel, homeowner, mature driver, and switch companies.
- GEICO policyholders can earn discounts including air bags, emergency military deployment, multi-policy, five-year accident-free, good student, and seat belt use.
- Esurance has savings for claim free, online shopper, anti-lock brakes, safety device, good driver, and multi-policy.
- SAFECO offers premium reductions for accident prevention training, drive less, multi-car, teen safe driver, anti-theft, and homeowner.
- State Farm may offer discounts for Drive Safe & Save, defensive driving training, good student, multiple policy, good driver, and student away at school.
The diagram below shows the difference between premium costs with and without discounts applied to the premium. The rates are based on a male driver, no tickets, no at-fault accidents, Washington state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multiple policy, claim-free, defensive driving course, marriage, and multiple vehicle discounts applied. When taking advantage of discounts, the average savings per year on car insurance for a Hyundai Elantra is 28% or $590.
Safe drivers pay less for car insurance
The common sense way to snag the cheapest car insurance premiums for an Elantra is to drive carefully and avoid accidents and traffic citations. The diagram below highlights how speeding tickets and at-fault fender-benders can increase yearly insurance costs for different age categories. The premiums are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
In the previous chart, the average cost of car insurance per year with no accidents or violations is $1,057. Add in one speeding ticket and the average cost jumps to $1,216, an increase of $159 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for a Hyundai Elantra jumps again to an average of $1,653. That’s an increase of $596, or $50 per month, just for not driving carefully!
The insurance agencies listed below are a good start to help you decide which auto insurance policy would work best for you, as some drivers wish to get help from a professional when comparing insurance rates for a Hyundai Elantra. It can be complicated to find the cheapest auto insurance company, and insurance agents licensed in the state of Washington can bring peace of mind knowing your policy gives you sufficient protection if you have a claim.
To locate a Seattle car insurance agency close to you, click the link at the bottom.
Brian Chambers – State Farm Insurance Agent
3206 16th Ave W – Seattle, WA 98119 – (206) 285-3003
Allstate Insurance: Barry V. Hasson
7721 Aurora Ave N – Seattle, WA 98103 – (206) 782-5191
Ati Agency Inc
2150 N 107th St # 460 – Seattle, WA 98133 – (206) 522-9200