If you’re wondering how much it will cost to insure your Hyundai Elantra in 2025, you’re in the right place. Insurance rates for the Hyundai Elantra vary based on your location, driving record and model year.
A 2023 Hyundai Elantra typically costs around $2,468 per year to insure, although prices vary widely for older models. For example, a 2021 Elantra costs $2,383 annually, whereas you’ll pay $2,193 annually for a 2018 model (on average).
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Hyundai Elantra.
What is the cost to insure your Hyundai Elantra in 2025?
On average, insuring a Hyundai Elantra costs $204 per month – or $2,447 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Hyundai Elantra
Geico offers the lowest car insurance rates for your Hyundai Elantra, with an average cost of $1,909 per year or $159 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Hyundai Elantra.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $1,909 | $955 | $159 |
| State Farm | $2,198 | $1,099 | $183 |
| Nationwide | $2,234 | $1,117 | $186 |
| Progressive | $2,369 | $1,184 | $197 |
| Allstate | $3,010 | $1,505 | $251 |
| Farmers | $3,109 | $1,555 | $259 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Hyundai Elantra car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Hyundai Elantra generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a comparison of average annual insurance costs for different model years of the Hyundai Elantra. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,870 | $935 | $156 |
| 2015 | $1,941 | $970 | $162 |
| 2016 | $2,003 | $1,002 | $167 |
| 2017 | $2,155 | $1,077 | $180 |
| 2018 | $2,193 | $1,097 | $183 |
| 2019 | $2,269 | $1,135 | $189 |
| 2020 | $2,312 | $1,156 | $193 |
| 2021 | $2,383 | $1,192 | $199 |
| 2022 | $2,442 | $1,221 | $203 |
| 2023 | $2,468 | $1,234 | $206 |
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Hyundai Elantra car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Hyundai Elantra. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims, such as the Elantra Blue, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Hyundai Elantra.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Elantra SEL | $2,359 | $1,180 | $197 |
| Elantra SE | $2,383 | $1,192 | $199 |
| Elantra Limited | $2,473 | $1,237 | $206 |
| Elantra N Line | $2,594 | $1,297 | $216 |
| Elantra Blue | $2,695 | $1,347 | $225 |
Hyundai Elantra insurance rates: State-by-state breakdown
Insurance costs for a Hyundai Elantra vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Hyundai Elantra in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,417 | $1,209 | $201 |
| Alabama | $2,413 | $1,207 | $201 |
| Arkansas | $2,693 | $1,346 | $224 |
| Arizona | $2,467 | $1,233 | $206 |
| California | $2,933 | $1,466 | $244 |
| Colorado | $3,183 | $1,591 | $265 |
| Connecticut | $2,493 | $1,247 | $208 |
| Washington, D.C. | $2,928 | $1,464 | $244 |
| Delaware | $2,490 | $1,245 | $207 |
| Florida | $3,134 | $1,567 | $261 |
| Georgia | $3,054 | $1,527 | $254 |
| Hawaii | $1,575 | $787 | $131 |
| Iowa | $2,001 | $1,001 | $167 |
| Idaho | $1,628 | $814 | $136 |
| Illinois | $2,451 | $1,226 | $204 |
| Indiana | $2,282 | $1,141 | $190 |
| Kansas | $2,476 | $1,238 | $206 |
| Kentucky | $2,922 | $1,461 | $244 |
| Louisiana | $3,976 | $1,988 | $331 |
| Massachusetts | $2,250 | $1,125 | $187 |
| Maryland | $2,313 | $1,157 | $193 |
| Maine | $1,571 | $786 | $131 |
| Michigan | $3,442 | $1,721 | $287 |
| Minnesota | $2,651 | $1,325 | $221 |
| Missouri | $2,725 | $1,363 | $227 |
| Mississippi | $2,561 | $1,281 | $213 |
| Montana | $2,593 | $1,297 | $216 |
| North Carolina | $2,157 | $1,079 | $180 |
| North Dakota | $2,114 | $1,057 | $176 |
| Nebraska | $2,547 | $1,273 | $212 |
| New Hampshire | $1,765 | $883 | $147 |
| New Jersey | $2,359 | $1,180 | $197 |
| New Mexico | $2,561 | $1,281 | $213 |
| Nevada | $2,491 | $1,245 | $208 |
| New York | $1,778 | $889 | $148 |
| Ohio | $1,728 | $864 | $144 |
| Oklahoma | $2,635 | $1,317 | $220 |
| Oregon | $2,446 | $1,223 | $204 |
| Pennsylvania | $2,603 | $1,302 | $217 |
| Rhode Island | $2,909 | $1,455 | $242 |
| South Carolina | $2,216 | $1,108 | $185 |
| South Dakota | $2,762 | $1,381 | $230 |
| Tennessee | $2,737 | $1,369 | $228 |
| Texas | $3,402 | $1,701 | $283 |
| Utah | $2,060 | $1,030 | $172 |
| Virginia | $1,818 | $909 | $152 |
| Vermont | $1,685 | $843 | $140 |
| Washington | $2,074 | $1,037 | $173 |
| Wisconsin | $1,916 | $958 | $160 |
| West Virginia | $2,243 | $1,121 | $187 |
| Wyoming | $2,123 | $1,062 | $177 |
How your age impacts Hyundai Elantra insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,246 | $4,623 | $771 |
| Adults | $2,447 | $1,224 | $204 |
The bottom line
Knowing how much it costs to insure your Hyundai Elantra is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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