Buying the cheapest auto insurance for a Hyundai Elantra in Arizona is dependent upon a complicated formula that considers factors such as the age of the Elantra, your residence address, and any prior driving offenses. Arizona drivers will pay on average $674 each year to insure their Elantra, but that figure is an approximation based on a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a high likelihood that you’re not a 50-year-old female, possibly married instead of single, or maybe you’re a renter instead of a homeowner. Insurance is an individual thing, so the way we recommend to find cheap car insurance rates for your Hyundai is to do a thorough rate comparison.
Cheapest Hyundai Elantra Insurance Rates
The specific model of Elantra can impact the annual cost of coverage, so the rate you pay to insure a Elantra GLS Touring Station Wagon model will be $58 cheaper than the price to insure the higher-priced Elantra SE Touring Station Wagon trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $108 | $198 | $288 | $18 | $86 | $698 | $58 |
| Elantra Blue 4-Dr Sedan | $108 | $284 | $338 | $20 | $102 | $852 | $71 |
| Elantra GLS 4-Dr Sedan | $124 | $284 | $338 | $20 | $102 | $868 | $72 |
| Elantra SE 4-Dr Sedan | $124 | $284 | $338 | $20 | $102 | $868 | $72 |
| Elantra SE Touring Station Wagon | $124 | $240 | $288 | $18 | $86 | $756 | $63 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate information does not factor in Mesa location which can change premiums significantly.
Figuring out which companies have the cheapest insurance rates for a Hyundai Elantra will involve a little more effort in order to find the best price.
Every auto insurer has a unique approach to determine premium rates, so let’s take a look at the insurance companies with the most affordable rates in Mesa, AZ. It’s a good idea to be aware that Mesa, AZ insurance rates are impacted by many factors that control the cost of having a policy. Improving your credit rating, buying higher coverage limits, or having a fender bender can trigger rate changes that can now make some companies more affordable than others.
Cheapest Insurance Rates for Your Hyundai
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $905 |
| 3 | Auto-Owners | $915 |
| 4 | USAA | $1,091 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,177 |
| 9 | Allied | $1,197 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,323 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,350 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,463 |
| 18 | Amica | $1,473 |
| 19 | MetLife | $1,567 |
| 20 | California Casualty | $1,568 |
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The Hartford quotes some of the best car insurance rates in Mesa at around $845 per year. Safeco, Auto-Owners, USAA, and Travelers also qualify as some of the lowest-priced Mesa, AZ car insurance companies.
As the rates illustrate above, if you are a customer of Travelers and switched to Safeco, you could realize yearly savings of about $203. Customers with Progressive could save as much as $225 a year, and GEICO policyholders might realize rate reductions of up to $272 a year.
Understand that those rates are averages for all drivers and vehicles and do not factor in an exact zip code location for a Hyundai Elantra. So the insurer that can offer you the best rate may not even be in the top 28 companies in the list above. That affirms the importance of why you need to get quotes using your own driver information and specific vehicle type.
The chart below illustrates how your choice of deductibles can impact insurance premiums when searching for cheap insurance for a Hyundai Elantra. The price estimates are based on a married female driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could reduce rates by $266 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $400 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old example, have the ability to save up to $662 each year just by using higher deductibles.
If you do make the decision to raise your deductibles, it’s a good idea to have spare funds to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Get discount Mesa car insurance rates
Insurance companies that offer coverage for a Hyundai Elantra could also offer special discounts that may potentially lower prices by 30% or more if you meet specific eligibility requirements. The best insurance companies and a summarized list of policyholder discounts are:
- State Farm offers premium reductions for Steer Clear safe driver discount, accident-free, anti-theft, multiple policy, safe vehicle, and multiple autos.
- GEICO has savings for multi-vehicle, membership and employees, good student, five-year accident-free, air bags, and daytime running lights.
- Liberty Mutual includes discounts for new move discount, hybrid vehicle, exclusive group savings, multi-policy, safety features, and teen driver discount.
- The Hartford may have discounts that include good student, driver training, defensive driver, air bag, vehicle fuel type, and anti-theft.
- MetLife discounts include multi-policy, defensive driver, good student, claim-free, accident-free, and good driver.
- Progressive policyholders can earn discounts including homeowner, online quote discount, multi-vehicle, multi-policy, online signing, continuous coverage, and good student.
The diagram below shows the comparison of insurance prices with and without discounts applied. The information is based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, anti-theft, multiple policy, vehicle safety, defensive driving course, and accident-free discounts applied. When discounts are factored in, theamount saved on insurance for a Hyundai Elantra is 27% or $498.
How to find cheaper car insurance for a Hyundai Elantra
Below you’ll find some of the better money-saving suggestions that can help Arizona drivers quote low-cost car insurance.
- Buy vehicles with five-star safety ratings
- Bundle car and home insurance and save money
- Don’t waste money on full coverage for older vehicles
- Increase your deductibles
- Drivers with good credit ratings often pay less
- Don’t have frequent claims
- Compare quotes from other companies often
The last tip in the list is notably valuable, as was noted in this write-up. Prices change a lot, so drivers shouldn’t be reluctant to switch to a new company if you can save money.
Having a favorite company is great, but is isn’t recommended if it’s costing you hundreds of dollars a year. It takes less than five minutes to compare prices and find cheaper car insurance for a Hyundai Elantra in Mesa.