How Much are Insurance Quotes for a Hyundai Elantra in Arizona?

The odds of finding cheap car insurance for a Hyundai Elantra in Arizona hinges on a calculation that uses factors such as when you were born, whether you are claim-free, and any past driving violations you may have had. Drivers in Arizona pay around $1,060 each year to insure their Elantra, but that is a valuation based upon a 30-year-old single female driver that included comprehensive and collision coverage and $250 deductibles.

This brings up the issue that more than likely you are not 30 and possibly not even female, you might be married instead of single, or maybe your Elantra is old enough that it doesn’t require full coverage. Auto insurance is not the same for everyone, so the only real way to find the cheapest rates for your Hyundai is to do a thorough rate comparison. It’s really quite easy you will receive price comparisons from top-rated companies available.

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The trim level of your Elantra will most likely have an effect on the insurance rate, so the rate you pay to insure a Elantra GLS Touring Station Wagon trim level will be $120 less than the price to insure the higher-end Elantra SE Touring Station Wagon version, as demonstrated by the prices below.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in zip code location which can influence coverage prices greatly.

Finding low-cost car insurance is not most people’s favorite thing to do, and deciding which company offers the cheapest insurance rates for a Hyundai Elantra takes even more rate comparisons. Each auto insurer has a different formula for filing rates in each state, so we’ll take a look at the insurance companies that tend to have lower prices in Arizona.

It’s important that readers know that Arizona insurance rates are influenced by many factors which can substantially decrease or increase the cost of a policy. This price variation is why Arizona drivers need to compare rates when trying to find affordable car insurance rates for a Hyundai Elantra. Insurance prices are determined by many things and change substantially, so the best company two years ago may now be priced much higher than other options.

Best Insurance Companies for Your Hyundai

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The Hartford may have some of the lowest car insurance rates in Arizona at around $820 a year. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the best Arizona auto insurance companies.

As the rates illustrate above, if you are a policyholder with Travelers and switched to Safeco, you could earn a yearly savings of approxmiately $181. Arizona drivers with USAA might save as much as $208 a year, and Progressive customers might cut rates by $259 a year.

To find cheap insurance for a Hyundai Elantra in Arizona, click here to start your free quote or feel free to get quotes from the companies below.

It’s important to note that these policy prices are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific rate factor for a Hyundai Elantra. So the company that has the cheapest rates for you may not even be included in the list of companies above. That emphasizes why you need to quote rates from many companies using your own driver data and vehicle information.

How accidents and violations affect rates

The easiest way to enjoy the best insurance prices in Arizona for an Elantra is to be a safe driver and avoid accidents and traffic violations. The chart below demonstrates how citations and accident claims raise annual premium costs for each different age group. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

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The data charted above shows the average cost of auto insurance in Arizona per year with no accidents and a clean driving record is $2,076. Get written up for two speeding tickets and the average cost surges to $2,801, an increase of $725 each year. Now add two accidents along with the two speeding tickets and the annual cost of insurance for a Hyundai Elantra increases to an average of $5,309. That’s an increase of $3,233, or $269 per month, just for not driving safely!

Full coverage rates compared to liability only

Finding cheap insurance for a Hyundai Elantra in Arizona is the goal of the majority of people, and one easy way to find cheaper insurance is to not buy comprehensive and collision coverage. The illustration below illustrates the difference between insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no policy discounts are applied.

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If all age groups are averaged, physical damage coverage costs an extra $1,961 per year more than buying just liability insurance. Many people question when is it a good idea to stop buying full coverage. There is no exact rule of when to phase out full coverage, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $6,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,500 after paying your policy deductible. If you are currently paying more than $550 a year to have full coverage, then you may need to consider dropping full coverage.

There are some circumstances where only buying liability is not advised. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.

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

When comparing rates for insurance for an Elantra, four of the larger companies to compare rates for are Allstate, Progressive, Geico, and State Farm. If you put them all together, they insure over 48% of all policies written in the United States. The table below compares some of the different features that are available for policyholders.