Toyota Corolla vs Hyundai Elantra Insurance Cost

The Toyota Corolla is cheaper to insure by about $190 a year for full coverage by our estimate ($1,705 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	Toyota Corolla	Hyundai Elantra	Difference
State minimum	$710	$745	−$35
Standard (100/300/100)	$1,025	$1,080	−$55
Full coverage	$1,705	$1,895	−$190

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

Why one costs more to insure

Factor	Toyota Corolla	Hyundai Elantra
Segment	Compact car	Compact car
Powertrains	Gasoline, Hybrid	Gasoline, Hybrid
HLDI collision (100 = avg)	102	134
HLDI comprehensive	89	109
HLDI property damage liability	114	120
HLDI bodily injury liability	137	151
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	#1
Recalls (latest 3 model years)	3	3

Collision losses are the biggest swing factor: the Hyundai Elantra has 32 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Toyota Corolla. The Hyundai Elantra appears on the NICB most-stolen list, adding to comprehensive costs.

Corolla vs Elantra insurance by state

State	Corolla	Elantra	Difference
Alabama	$1,475	$1,650	−$175
Alaska	$1,490	$1,665	−$175
Arizona	$1,790	$1,985	−$195
Arkansas	$1,480	$1,665	−$185
California	$1,665	$1,870	−$205
Colorado	$1,920	$2,135	−$215
Connecticut	$1,830	$2,020	−$190
Delaware	$1,930	$2,120	−$190
District of Columbia	$2,145	$2,395	−$250
Florida	$2,480	$2,710	−$230
Georgia	$2,135	$2,350	−$215
Hawaii	$1,170	$1,315	−$145
Idaho	$1,155	$1,285	−$130
Illinois	$1,470	$1,645	−$175
Indiana	$1,205	$1,345	−$140
Iowa	$1,130	$1,275	−$145
Kansas	$1,335	$1,500	−$165
Kentucky	$1,435	$1,595	−$160
Louisiana	$2,365	$2,620	−$255
Maine	$1,080	$1,205	−$125
Maryland	$1,925	$2,130	−$205
Massachusetts	$1,675	$1,870	−$195
Michigan	$1,855	$2,070	−$215
Minnesota	$1,405	$1,570	−$165
Mississippi	$1,615	$1,805	−$190
Missouri	$1,535	$1,710	−$175
Montana	$1,335	$1,500	−$165
Nebraska	$1,340	$1,505	−$165
Nevada	$2,000	$2,185	−$185
New Hampshire	$1,210	$1,350	−$140
New Jersey	$2,085	$2,290	−$205
New Mexico	$1,520	$1,695	−$175
New York	$2,315	$2,545	−$230
North Carolina	$1,255	$1,415	−$160
North Dakota	$1,060	$1,200	−$140
Ohio	$1,210	$1,355	−$145
Oklahoma	$1,515	$1,695	−$180
Oregon	$1,550	$1,705	−$155
Pennsylvania	$1,475	$1,655	−$180
Rhode Island	$2,080	$2,295	−$215
South Carolina	$1,840	$2,025	−$185
South Dakota	$1,260	$1,425	−$165
Tennessee	$1,405	$1,575	−$170
Texas	$2,000	$2,235	−$235
Utah	$1,565	$1,725	−$160
Vermont	$1,090	$1,230	−$140
Virginia	$1,465	$1,630	−$165
Washington	$1,500	$1,655	−$155
West Virginia	$1,405	$1,575	−$170
Wisconsin	$1,155	$1,290	−$135
Wyoming	$1,285	$1,460	−$175

By driver profile (full coverage)

Driver	Corolla	Elantra
Teen driver (18, own policy)	$4,695	$5,215
Young adult (22)	$2,730	$3,035
Adult in their 30s	$1,705	$1,895
Adult in their 50s	$1,570	$1,745
Senior (72)	$1,910	$2,125
30s, one at-fault accident	$2,475	$2,750
30s, DUI on record	$3,155	$3,510

More comparisons

Frequently asked questions

Is the Toyota Corolla or the Hyundai Elantra cheaper to insure?

By our estimate the Toyota Corolla is cheaper, by about $190 a year for full coverage ($1,705 vs. $1,895) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Corolla and Hyundai Elantra?

Mostly because of insurance-loss history: HLDI collision indices of 102 vs. 134 and comprehensive indices of 89 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