Honda Civic vs Hyundai Elantra Insurance Cost

The Honda Civic is cheaper to insure by about $105 a year for full coverage by our estimate ($1,790 vs. $1,895), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Honda Civic	Hyundai Elantra	Difference
State minimum	$730	$745	−$15
Standard (100/300/100)	$1,060	$1,080	−$20
Full coverage	$1,790	$1,895	−$105

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Civic minus Elantra.

Why one costs more to insure

Factor	Honda Civic	Hyundai Elantra
Segment	Compact car	Compact car
Powertrains	Gasoline, Hybrid, CNG	Gasoline, Hybrid
HLDI collision (100 = avg)	121	134
HLDI comprehensive	88	109
HLDI property damage liability	125	120
HLDI bodily injury liability	139	151
NHTSA overall rating	5★	5★
NICB most-stolen rank	#5	#1
Recalls (latest 3 model years)	4	3

Collision losses are the biggest swing factor: the Hyundai Elantra has 13 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Honda Civic.

Civic vs Elantra insurance by state

State	Civic	Elantra	Difference
Alabama	$1,545	$1,650	−$105
Alaska	$1,570	$1,665	−$95
Arizona	$1,870	$1,985	−$115
Arkansas	$1,550	$1,665	−$115
California	$1,760	$1,870	−$110
Colorado	$1,995	$2,135	−$140
Connecticut	$1,920	$2,020	−$100
Delaware	$2,020	$2,120	−$100
District of Columbia	$2,255	$2,395	−$140
Florida	$2,590	$2,710	−$120
Georgia	$2,235	$2,350	−$115
Hawaii	$1,235	$1,315	−$80
Idaho	$1,210	$1,285	−$75
Illinois	$1,545	$1,645	−$100
Indiana	$1,265	$1,345	−$80
Iowa	$1,180	$1,275	−$95
Kansas	$1,390	$1,500	−$110
Kentucky	$1,500	$1,595	−$95
Louisiana	$2,470	$2,620	−$150
Maine	$1,130	$1,205	−$75
Maryland	$2,015	$2,130	−$115
Massachusetts	$1,765	$1,870	−$105
Michigan	$1,950	$2,070	−$120
Minnesota	$1,465	$1,570	−$105
Mississippi	$1,690	$1,805	−$115
Missouri	$1,600	$1,710	−$110
Montana	$1,385	$1,500	−$115
Nebraska	$1,395	$1,505	−$110
Nevada	$2,090	$2,185	−$95
New Hampshire	$1,270	$1,350	−$80
New Jersey	$2,185	$2,290	−$105
New Mexico	$1,595	$1,695	−$100
New York	$2,420	$2,545	−$125
North Carolina	$1,320	$1,415	−$95
North Dakota	$1,105	$1,200	−$95
Ohio	$1,270	$1,355	−$85
Oklahoma	$1,580	$1,695	−$115
Oregon	$1,620	$1,705	−$85
Pennsylvania	$1,550	$1,655	−$105
Rhode Island	$2,185	$2,295	−$110
South Carolina	$1,920	$2,025	−$105
South Dakota	$1,300	$1,425	−$125
Tennessee	$1,475	$1,575	−$100
Texas	$2,090	$2,235	−$145
Utah	$1,640	$1,725	−$85
Vermont	$1,145	$1,230	−$85
Virginia	$1,535	$1,630	−$95
Washington	$1,570	$1,655	−$85
West Virginia	$1,465	$1,575	−$110
Wisconsin	$1,205	$1,290	−$85
Wyoming	$1,335	$1,460	−$125

By driver profile (full coverage)

Driver	Civic	Elantra
Teen driver (18, own policy)	$4,915	$5,215
Young adult (22)	$2,860	$3,035
Adult in their 30s	$1,790	$1,895
Adult in their 50s	$1,645	$1,745
Senior (72)	$2,000	$2,125
30s, one at-fault accident	$2,590	$2,750
30s, DUI on record	$3,305	$3,510

More comparisons

Frequently asked questions

Is the Honda Civic or the Hyundai Elantra cheaper to insure?

By our estimate the Honda Civic is cheaper, by about $105 a year for full coverage ($1,790 vs. $1,895) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Honda Civic and Hyundai Elantra?

Mostly because of insurance-loss history: HLDI collision indices of 121 vs. 134 and comprehensive indices of 88 vs. 109 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page