How Much is Insurance for a Hyundai Elantra in West Virginia?

How Much is Insurance for a Hyundai Elantra in West Virginia?

We always joke that when we write about car insurance, the word cheap really shouldn’t be used anywhere in the article to describe car insurance prices. Please forgive the oxymoron, but cheap auto insurance for a Hyundai Elantra may be a thing of the past. Don’t let that get you down, though, because we will teach you how you can still find and buy auto insurance that is easier on your budget.

Your chances of finding cheaper coverage for a Hyundai Elantra in West Virginia is dependent upon a complex formula that considers things like your marital status, your credit status, and violations on your driving record. Drivers in West Virginia pay on average $910 a year to buy Hyundai Elantra insurance, but that cost is an approximation calculated based on a 50-year-old married male driver that includes both comprehensive and collision coverage and $250 deductibles.

That rate won’t apply to everyone, because more than likely you are not 50 and maybe not even a male, single instead of married, and there is a good chance that other rated drivers impact the rate. What seems to be a small difference in rating factors or requested coverage amount can induce significant differences in the cost of a policy.

Auto insurance is unique to every driver, so the way we recommend to find the most affordable coverage for your Hyundai is to quote often and with as many companies as possible.

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The specific trim level can impact the yearly cost, so the cost to insure a Elantra GLS Touring Station Wagon trim level will be $102 cheaper than the price to insure the high end Elantra SE Touring Station Wagon model, as shown in the table below.

Hyundai Elantra Insurance Rates in West Virginia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $192 $334 $300 $18 $90 $934 $78
Elantra Blue 4-Dr Sedan $192 $480 $352 $20 $106 $1,150 $96
Elantra GLS 4-Dr Sedan $222 $480 $352 $20 $106 $1,180 $98
Elantra SE 4-Dr Sedan $222 $480 $352 $20 $106 $1,180 $98
Elantra SE Touring Station Wagon $222 $406 $300 $18 $90 $1,036 $86
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in West Virginia location which can impact auto insurance rates noticeably.

Trying to buy low-cost car insurance is difficult, and deciding which companies have the best insurance rates for a Hyundai Elantra will involve even more work. Every auto insurer uses a little different formula to set their prices, so to begin we’ll rank the insurance companies with the overall best prices in West Virginia.

It’s a good idea to know that West Virginia insurance rates are calculated based on many things which can substantially change the price of coverage. This price variation is why it is critical to perform an extensive rate comparison to find the lowest car insurance rates for a Hyundai Elantra. Rates are impacted by many different factors and can change substantially, so the best company when you bought your policy may now be one of the more expensive options.

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Cheapest West Virginia car insurance ranked by price
Rank Company Cost Per Year
1 Erie $931
2 The Hartford $1,049
3 State Auto $1,266
4 Westfield $1,301
5 USAA $1,313
6 Progressive $1,524
7 State Farm $1,538
8 Nationwide $1,551
9 Encompass $1,588
10 GEICO $1,676
11 Safeco $1,767
12 Motorists Mutual $1,803
13 California Casualty $1,806
14 Allstate $2,253
15 Liberty Mutual $3,308
16 Sentry $3,806
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Erie has some of the best car insurance rates in West Virginia at around $931 per year. The Hartford, State Auto, Westfield, and USAA would also make the list of some of the lowest-priced West Virginia auto insurance companies.

As shown in the rates above, if you are a policyholder with State Auto and switched to Erie, you could earn yearly savings of approxmiately $335. West Virginia drivers with Westfield could save as much as $370 a year, and USAA insureds might cut rates by $382 a year.

To see if you’re overpaying, click here to start your free quote or quote prices from the following companies.

Remember that these policy prices are averaged for all insureds and vehicles and are not factoring in a specific rate value for a Hyundai Elantra. So the company that is best suited for you may not even be included in the above rate chart. That illustrates why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Discount West Virginia insurance rates

Discounts on insurance for a Hyundai ElantraInsurance companies that provide cheap insurance for a Hyundai Elantra in West Virginia may also offer policy discounts that could reduce prices by 40% or more if you are eligible. A few popular companies and their possible discounts include:

  • Esurance includes discounts for anti-lock brakes, good student, safety device, defensive driver, online shopper, DriveSense, and claim free.
  • The Hartford offers premium reductions for vehicle fuel type, driver training, anti-theft, bundle, good student, and air bag.
  • AAA may offer discounts for multi-car, good driver, good student, multi-policy, and anti-theft.
  • GEICO may include discounts for defensive driver, anti-theft, anti-lock brakes, daytime running lights, emergency military deployment, multi-policy, and multi-vehicle.
  • State Farm may have discounts that include safe vehicle, multiple policy, accident-free, Steer Clear safe driver discount, and defensive driving training.

The illustration below illustrates the comparison of premium costs with and without discounts applied to the policy rates. The premiums assume a male driver, no violations or accidents, West Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, safe-driver, vehicle safety, claim-free, and marriage discounts applied. When these discounts are applied, the the average yearly reduction on insurance for a Hyundai Elantra is 28% or $533.

Here’s why price comparisons are so important

West Virginia insurance rates are impacted by many things that control the cost of coverage. Improving your credit score, buying a new vehicle, or getting a ticket for careless driving may cause policy rate changes resulting in some rates now being cheaper than before.

In addition to those changes, companies change rates as needed in order to be able to pay unexpected claims. Higher than normal claim frequency or severity may cause higher rates, while long-term profits can produce lower-cost Elantra insurance rates.

To help illustrate this point, the bar chart below shows the company with the cheapest car insurance in West Virginia for a 30-year-old male driver with no accidents, a clean driving record, and solid credit. Based on his current risk factors, Erie might offer the cheapest car insurance rates in West Virginia at $913 per year. This is $867 less than the average premium paid by West Virginia drivers of $1,780. The Hartford, State Auto, Westfield, and USAA are also included in the best West Virginia auto insurance companies.

The chart below compares rates after we give the driver in the first example some claims, a little lower credit rating, and a few traffic violations. Since every car insurance company has their own unique process to determing premium rates, comparing prices may now show a different ranking of the cheapest car insurance companies in West Virginia as shown below.

The Hartford now has the cheapest car insurance in West Virginia with Nationwide, State Farm, Encompass, and Erie also having competitive pricing. This example proves why West Virginia drivers need to shop around when trying to get the most economical insurance quotes for a Hyundai Elantra. Auto insurance prices can be determined by many factors and can change substantially, so the cheapest option the last time you shopped around may now not even be in the top five.

How to find budget-friendly car insurance for a Hyundai Elantra

Below you’ll find some of the better money-saving suggestions that can help West Virginia drivers get low-cost coverage.

  • Higher deductibles save money
  • Buy a vehicle with excellent safety ratings
  • Pay for small claims rather than turning them in to your insurance company
  • Full coverage may not be needed on older vehicles
  • Pay lower rates with good credit
  • Multi-policy discounts save money
  • Check for cheaper rates once a year

That final tip is particularly crucial, as was emphasized in the prior article. Rates in West Virginia fluctuate constantly, so don’t be hesitant to buy from a different company if you can save money. Sticking with a specific company is fine, but we do not recommend it if that faithfulness ends up costing you major coinage every year. In just a couple of minutes you could shop around and find cheaper insurance for a Hyundai Elantra.