Cheap Insurance Quotes for a Hyundai Elantra in Texas

We always joke that when we write about auto insurance, the word affordable should never be used anywhere to describe car insurance prices. It’s just a fact that cheap auto insurance for a Hyundai Elantra can seem impossible to find. Don’t get your dauber down, because we are going to show you some ways you can quote and buy auto insurance that is affordable.

The likelihood of finding the cheapest car insurance for a Hyundai Elantra in Texas depends on a complex formula that considers things such as when you were born, if you have ever let your coverage lapse, and if you have a history of accidents. Drivers in Texas pay on average $950 a year to buy Hyundai Elantra insurance, but that cost is a ballpark figure based on rate data for a 40-year-old single male that has full coverage and $1,000 deductibles.

There’s a high likelihood you are not a 40-year-old male, maybe you are married instead of single, and you need different coverage limits than the sample rates. Even a slight difference in the criteria used to calculate rates can make a big difference in price quotes.

Each driver’s needs are different, and that demonstrates why the most reliable method for finding cheap insurance prices for your Hyundai is to put in the effort and compare rates.

Compare Hyundai Elantra Insurance Rates

Your Hyundai’s trim level tends to have a direct impact on the cost of insurance, so the price you will be charged to insure a Elantra GLS Touring Station Wagon model will be $86 less than the price to insure the higher-end Elantra SE Touring Station Wagon version, as shown in the chart below.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rates do not factor in zip code location which can modify price quotes considerably.

Ending up with a high-quality auto insurance company can be a challenge considering how many companies are available to choose from in Texas. The company rank data shown next could help you choose which coverage providers you want to consider when comparing auto insurance rates for a Hyundai Elantra. The ratings below include large, nationwide insurance companies, so companies without a large exposure are not included in these rankings.

The diagram below highlights how deductible selection can affect insurance prices when trying to find cheap insurance for a Hyundai Elantra. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

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As shown above, a 30-year-old driver could reduce rates by $408 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $612 by using a $1,000 deductible. Younger drivers, like the 20-year-old, can save up to $870 each year just by using higher deductibles.

When choosing a higher deductible, it will be necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Discounts on Texas auto insurance rates

Auto insurance companies that sell cheap insurance for a Hyundai Elantra in Texas may also provide rate discounts that could potentially reduce rates by 30% or more if you meet specific eligibility requirements. A few popular companies and a summarized list of policyholder discounts are outlined below.

• AAA offers discounts for AAA membership discount, anti-theft, multi-policy, education and occupation, good student, and pay-in-full.
• Progressive has discounts for continuous coverage, good student, multi-vehicle, online signing, and homeowner.
• State Farm may include discounts for multiple autos, safe vehicle, multiple policy, good driver, defensive driving training, anti-theft, and driver’s education.
• Esurance has savings for paid-in-full, multi-policy, defensive driver, Pac-12 alumni, and emergency road assistance.
• Nationwide includes discounts for good student, accident-free, business or organization, easy pay, Farm Bureau membership, anti-theft, and defensive driving.

The diagram below illustrates the difference between auto insurance rates with and without some available policy discounts. The premiums are based on a female driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, anti-theft, passive restraint, marriage, safe-driver, and multiple vehicle discounts applied. With discounts applied, the the average yearly reduction on auto insurance for a Hyundai Elantra is 28% or $570.

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State Farm, Allstate, Progressive, and Geico: Who is best?

When comparing insurance for an Elantra in Texas, four companies to definitely compare rates with are State Farm, Allstate, Progressive, and Geico. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a slightly different set of options and discounts that policyholders can choose from. The next table rates some of the different options and features you can expect with each one.