Hyundai Elantra Insurance Cost

Full coverage for a Hyundai Elantra costs about $1,895 a year ($158/month) by our estimate — ▲ +19% versus the average vehicle, ranking 232nd cheapest of 310 current models.

Hyundai Elantra exterior (photo from Wikimedia Commons) — Photo: Cutlass, CC0 1.0

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

Hyundai Elantra insurance cost at a glance

Full coverage

$1,895

$158/mo · $1,555–$2,235

Minimum liability

$745

$62/mo

Segment

Compact car

Gasoline, Hybrid

HLDI collision losses

134

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

NICB most stolen

national list

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Hyundai Elantra.

Estimated Hyundai Elantra premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$745	$62	$610–$880
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,080	$90	$885–$1,275
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,895	$158	$1,555–$2,235

What drives the cost of insuring a Hyundai Elantra

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Hyundai Elantra's results put our vehicle factor at 1.21× for liability, 1.28× for collision and 1.10× for comprehensive.

HLDI relative insurance losses — Hyundai Elantra (Small Four-door cars)
Coverage	Index	Rating	What it measures
Collision	134	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	109	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	120	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	151	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	173	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	193	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Hyundai Elantra	134	109	120	151
Hyundai Elantra hybrid	145	113	123	139
Hyundai Elantra N 4dr	198	128	118	—

Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Theft: #1 on the NICB national most-stolen list, which raises comprehensive premiums.
Recalls & complaints: 3 NHTSA recall campaigns and 97 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Hyundai Elantra trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Elantra	FWD	1.6L 4-cyl Turbo	31
Elantra Hybrid	FWD	1.6L 4-cyl Hybrid	50
Elantra Hybrid Blue	FWD	1.6L 4-cyl Hybrid	54
Elantra N	FWD	2.0L 4-cyl Turbo	24
Elantra non-ISG	FWD	2.0L 4-cyl	34
Elantra w/Stop-Start	FWD	2.0L 4-cyl	35

Hyundai Elantra insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	1.6L 4-cyl Hybrid, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	23–54	$1,895
2025	1.6L 4-cyl Hybrid, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	23–54	$1,860
2024	1.6L 4-cyl Hybrid, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	23–54	$1,820
2023	1.6L 4-cyl Hybrid, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	23–54	$1,780
2022	1.6L 4-cyl Hybrid, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	23–54	$1,740
2021	1.6L 4-cyl Hybrid, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	28–54	$1,705
2020	1.4L 4-cyl Turbo, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	26–36	$1,665
2019	1.4L 4-cyl Turbo, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	25–35	$1,625
2018	1.4L 4-cyl Turbo, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	25–35	$1,590
2017	1.4L 4-cyl Turbo, 1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	25–35	$1,550
2016	1.8L 4-cyl, 2.0L 4-cyl	FWD	27–31	$1,510
2015	1.8L 4-cyl, 2.0L 4-cyl	FWD	27–31	$1,505
2014	1.8L 4-cyl, 2.0L 4-cyl	FWD	27–31	$1,505
2013	1.8L 4-cyl	FWD	30–32	$1,505
2012	1.8L 4-cyl, 2.0L 4-cyl	FWD	26–32	$1,505
2011	1.8L 4-cyl, 2.0L 4-cyl	FWD	26–32	$1,505
2010	2.0L 4-cyl	FWD	26–29	$1,505
2009	2.0L 4-cyl	FWD	26–28	$1,505
2008	2.0L 4-cyl	FWD	27–28	$1,505
2007	2.0L 4-cyl	FWD	27–28	$1,505

Hyundai Elantra insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Elantra page for that state.

State	Full coverage	Minimum	vs. national	Elantra page
Alabama	$1,650	$580	−13%	Elantra in AL
Alaska	$1,665	$755	−12%	Elantra in AK
Arizona	$1,985	$800	+5%	Elantra in AZ
Arkansas	$1,665	$545	−12%	Elantra in AR
California	$1,870	$695	−1%	Elantra in CA
Colorado	$2,135	$790	+13%	Elantra in CO
Connecticut	$2,020	$865	+7%	Elantra in CT
Delaware	$2,120	$975	+12%	Elantra in DE
District of Columbia	$2,395	$900	+26%	Elantra in DC
Florida	$2,710	$1,310	+43%	Elantra in FL
Georgia	$2,350	$1,055	+24%	Elantra in GA
Hawaii	$1,315	$525	−31%	Elantra in HI
Idaho	$1,285	$485	−32%	Elantra in ID
Illinois	$1,645	$605	−13%	Elantra in IL
Indiana	$1,345	$490	−29%	Elantra in IN
Iowa	$1,275	$375	−33%	Elantra in IA
Kansas	$1,500	$490	−21%	Elantra in KS
Kentucky	$1,595	$640	−16%	Elantra in KY
Louisiana	$2,620	$960	+38%	Elantra in LA
Maine	$1,205	$515	−36%	Elantra in ME
Maryland	$2,130	$915	+12%	Elantra in MD
Massachusetts	$1,870	$720	−1%	Elantra in MA
Michigan	$2,070	$930	+9%	Elantra in MI
Minnesota	$1,570	$570	−17%	Elantra in MN
Mississippi	$1,805	$645	−5%	Elantra in MS
Missouri	$1,710	$620	−10%	Elantra in MO
Montana	$1,500	$475	−21%	Elantra in MT
Nebraska	$1,505	$490	−21%	Elantra in NE
Nevada	$2,185	$1,050	+15%	Elantra in NV
New Hampshire	$1,350	$485	−29%	Elantra in NH
New Jersey	$2,290	$1,135	+21%	Elantra in NJ
New Mexico	$1,695	$630	−11%	Elantra in NM
New York	$2,545	$1,130	+34%	Elantra in NY
North Carolina	$1,415	$545	−25%	Elantra in NC
North Dakota	$1,200	$335	−37%	Elantra in ND
Ohio	$1,355	$490	−28%	Elantra in OH
Oklahoma	$1,695	$570	−11%	Elantra in OK
Oregon	$1,705	$760	−10%	Elantra in OR
Pennsylvania	$1,655	$515	−13%	Elantra in PA
Rhode Island	$2,295	$995	+21%	Elantra in RI
South Carolina	$2,025	$890	+7%	Elantra in SC
South Dakota	$1,425	$380	−25%	Elantra in SD
Tennessee	$1,575	$550	−17%	Elantra in TN
Texas	$2,235	$840	+18%	Elantra in TX
Utah	$1,725	$790	−9%	Elantra in UT
Vermont	$1,230	$385	−35%	Elantra in VT
Virginia	$1,630	$760	−14%	Elantra in VA
Washington	$1,655	$715	−13%	Elantra in WA
West Virginia	$1,575	$530	−17%	Elantra in WV
Wisconsin	$1,290	$450	−32%	Elantra in WI
Wyoming	$1,460	$395	−23%	Elantra in WY

Hyundai Elantra insurance by driver profile

Estimated annual Hyundai Elantra premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,045	$2,970	$5,215	$435
Young adult (22)	$1,190	$1,725	$3,035	$253
Adult in their 30s	$745	$1,080	$1,895	$158
Adult in their 50s	$685	$995	$1,745	$145
Senior (72)	$835	$1,210	$2,125	$177
30s, one at-fault accident	$1,080	$1,565	$2,750	$229
30s, DUI on record	$1,375	$1,995	$3,510	$293

Hyundai Elantra vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Hyundai Elantra	$1,895	134	109	—
Honda Civic	$1,790	121	88	Compare
Toyota Corolla	$1,705	102	89	Compare
Kia Forte	$1,955	128	108	Compare

Estimate Hyundai Elantra insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Hyundai models

Ioniq 5 $1,630/yr
Ioniq 6 $1,640/yr
Ioniq 9 $1,575/yr
Kona $1,385/yr
Palisade $1,435/yr
Santa Cruz $1,580/yr
Santa Fe $1,415/yr
Sonata $1,890/yr
Venue $1,590/yr
Nexo $1,455/yr
Tucson $1,410/yr
Accent $1,425/yr
Ioniq $1,425/yr
Veloster $1,425/yr
Azera $1,300/yr
Equus $1,265/yr
Genesis $1,240/yr
Genesis Coupe $1,450/yr
Veracruz $1,190/yr
Entourage $1,135/yr
Tiburon $1,445/yr
XG350 $1,255/yr

All Hyundai insurance costs →

Frequently asked questions

How much is insurance for a Hyundai Elantra?

We estimate about $1,895 a year ($158 a month) for full coverage and $745 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 19% more than the average vehicle.

Is the Hyundai Elantra expensive to insure?

HLDI insurance-loss data rates it at 134 for collision and 109 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Hyundai Elantra?

North Dakota has the lowest estimate (about $1,200 a year for full coverage) and Florida the highest (about $2,710).

What is the Hyundai Elantra's NHTSA safety rating?

The 2026 Hyundai Elantra earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Hyundai Elantra a commonly stolen car?

Yes. It ranks #1 on the NICB national list of most-stolen vehicles, which raises the comprehensive portion of premiums.

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

By our estimate the Hyundai Elantra costs about $1,895 a year versus $1,820 for the Honda Civic, making the Honda Civic cheaper to insure.

How much is Hyundai Elantra insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,215 a year at national-average rates by our estimate.

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