How much is insurance on a Hyundai Elantra?
A 2024 Hyundai Elantra runs about $2,230 a year for a typical 45-year-old, $290 more than an average car of the same age, because of more injury claims, higher crash-repair losses, more damage to others' property, and higher non-crash losses. Putting a new 16-year-old on a family policy with the Elantra adds about $1,470 a year (#9 of 12 small four-door cars we compare).
2024 Hyundai Elantra (Elantra), national average
about $2,230 a year (about $185 a month)
Estimated range: $1,650–$3,250. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Elantra drops to about $1,640 (see the table below).
Priced for the 2024 Elantra, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Elantra's rank is the same in every state.
Why the Hyundai Elantra costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Hyundai Elantra, on HLDI's scale where 100 is an average car and lower is better, it reports 134 for crash repairs, 109 for non-crash damage, 120 for damage to others' property, and 151 for injury claims.
- Crash repairs (collision)fixing this car after a crashWorse than average34% worse than averageworst of the 12 small four-door cars we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage9% worse than average11th best of the 12 small four-door cars we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage20% worse than average8th best of the 12 small four-door cars we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costSubstantially worse than averagefiled 51% more often than average8th best of the 11 small four-door cars we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Elantra comes out about 27% worse than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 10% more than average: about $1,050 a year vs $950. On the liability side, damage to others and injury claims combine to about 38% worse than average. We count about half, so that part is about 20% more: $1,190 a year vs $990.
In EPA size classes, the Elantra is a midsize car (gas-powered). In Highway Loss Data Institute loss tables, the Hyundai Elantra is benchmarked against small four-door cars.
- This car's repair losses run a bit above the cars we could check against real prices, so the range reaches higher.
Matched to HLDI series “Hyundai Elantra” (HLDI, 2022–24 models).
A used Hyundai Elantra, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Elantra (0–3 years old) | about $2,230 | about $1,190 | +$1,470 | about $6,410 |
 2022 Elantra (4–7 years old) | about $2,110 | about $1,190 | +$1,390 | about $6,050 |
 2018 Elantra (8–12 years old) | about $2,000 | about $1,240 | +$1,320 | about $5,750 |
 2013 Elantra (13 or more years old) | about $1,640 | about $1,050 | +$1,080 | about $4,690 |
Our catalog covers the Hyundai Elantra across model years 2006–2027. Full coverage on a used 2013 Elantra (13 or more years old) runs about $1,640 a year, $600 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,050 a year. Each photo shows that year's generation of the car. Photo credits.
All 3 versions of the 2024 Hyundai Elantra in our catalog (Elantra Hybrid, Elantra Hybrid Blue and Elantra) price within about $50 a year of each other.
On a policy of their own with a 2024 Hyundai Elantra, a 22–25-year-old pays about $2,900 a year ($670 more than a 45-year-old), a 26–39-year-old about $2,480, and a driver 65 and older about $2,340.
Adding a 16-year-old with a Hyundai Elantra
A new driver costs more with any car, and more than usual with the Hyundai Elantra: adding a 16-year-old raises the family bill by about $1,470 a year ($125 a month), $190 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,410 a year ($4,930 more than adding them to the family policy).
For adding a teen driver, the Hyundai Elantra ranks 20th most expensive out of all 121 models we track. Stepping down to a used 2013 Elantra (13 or more years old) brings the teen add-on to about $1,080 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar small four-door cars
Among these 12 small four-door cars, the Hyundai Elantra is the 4th most expensive to insure. Right next to it are the Nissan Versa (about $2,200 a year) and the Nissan Sentra (about $2,260).
2024 Mazda 3about $2,030 ($210 less)
2024 Toyota Corollaabout $2,070 ($160 less)
2024 Honda Civicabout $2,150 ($80 less)
2024 Nissan Versaabout $2,200 (about the same)- 2024 Hyundai Elantraabout $2,230 (this car)
2024 Nissan Sentraabout $2,260 (about the same)
2024 Kia Forteabout $2,270 (about the same)
2024 Acura Integraabout $2,300 ($70 more)
Photos from Wikimedia Commons contributors. Photo credits.
What a Hyundai Elantra costs in your state
In six sample states, a 2024 Hyundai Elantra runs from about $1,440 a year in Maine through Ohio, Minnesota, Utah and Connecticut to about $2,680 in Texas:
- Maineabout $1,440/yr · +$950 teen
- Ohioabout $1,610/yr · +$1,060 teen
- Minnesotaabout $1,900/yr · +$1,250 teen
- Utahabout $1,990/yr · +$1,320 teen
- Connecticutabout $2,340/yr · +$1,540 teen
- Texasabout $2,680/yr · +$1,770 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.