Buying cheaper auto insurance for a Hyundai Elantra in California is pretty easy to do, but it hinges on a large number of factors such as driver age, the likelihood of vehicle theft, and the deductible amount you use. California drivers pay approximately $1,567 each year to insure their Elantra, but that is an estimation using a 40-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
It’s highly likely you are not 40 and maybe not even a male, possibly married instead of single, and maybe you want higher deductibles. Just a minor difference in the factors used in pricing a policy can make a big difference in the cost of insuring your Elantra.
Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap car insurance rates for your Hyundai is to put in the effort to do a thorough rate comparison. In just a few minutes you will receive rate quotes from the best auto insurance companies that insure Hyundai vehicles in California.
Find Cheaper Hyundai Elantra Insurance
Vehicle trim level impacts the coverage cost, so the cost to insure a Elantra GLS Touring Station Wagon model will be $190 cheaper than the price to insure the fancier Elantra SE Touring Station Wagon model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $324 | $648 | $454 | $26 | $136 | $1,588 | $132 |
| Elantra Blue 4-Dr Sedan | $324 | $930 | $534 | $32 | $160 | $1,980 | $165 |
| Elantra GLS 4-Dr Sedan | $372 | $930 | $534 | $32 | $160 | $2,028 | $169 |
| Elantra SE 4-Dr Sedan | $372 | $930 | $534 | $32 | $160 | $2,028 | $169 |
| Elantra SE Touring Station Wagon | $372 | $790 | $454 | $26 | $136 | $1,778 | $148 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise price quotes noticeably.
Establishing which company offers the cheapest auto insurance rates for a Hyundai Elantra will take a bit more effort in order to find coverage that fits your budget.
Every insurance company has a proprietary formula to set premium rates, so let’s examine the overall cheapest auto insurance companies in California. It’s important to know that Stockton auto insurance rates are impacted by many things that may substantially change the price you pay for coverage. Improving your credit rating, having a teen driver, or getting a ticket for running a stop sign may generate price changes that may make certain companies cheaper than competitors.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,192 |
| 3 | Century National | $1,226 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,366 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | Progressive | $1,512 |
| 10 | Allied | $1,556 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,026 |
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USAA may have some of the lowest car insurance rates in Stockton at around $1,155 per year. Wawanesa, Century National, Nationwide, and CSAA are also some of the cheaper Stockton, CA car insurance companies.
As the example above demonstrates, if you are insured with CSAA and switched to Wawanesa, you could realize an annual savings of about $42. Insureds with 21st Century might save as much as $174 a year, and Mercury policyholders might reduce rates by $296 a year.
To see if you’re overpaying, click here or visit any of the low-priced companies below.
Be aware that those estimates are averaged across all drivers and vehicles and do not factor in an exact vehicle garaging location for a Hyundai Elantra. So the auto insurance company that is best suited for you may not even be in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.
How accidents and violations affect rates in Stockton
The easiest way to enjoy cheap auto insurance premiums in California for an Elantra is to drive safely and avoid getting tickets or having accidents. The diagram below highlights how traffic violations and accidents can impact car insurance rates for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
The data in the chart shows the average cost of car insurance in Stockton per year with no accidents and a clean driving record is $2,222. Add in two speeding tickets and the average cost jumps to $3,070, an increase of $848 each year. Now add one accident along with the two speeding tickets and the yearly cost of auto insurance for a Hyundai Elantra jumps again to an average of $3,936. That’s an increase of $1,714, or $143 per month, just for not driving carefully!
Chances are good that you’re overpaying for Elantra insurance
Stockton, CA auto insurance rates are calculated based on many things which can substantially change your annual premium. Simply turning a year older, moving to a different location, or getting a DUI may cause policy rate changes that can now make some companies cheaper in comparison to the competition.
In addition, insurers amend pricing multiple times each year to ensure their profitability. A period of increased losses may result in price increases, while profitable underwriting may produce more affordable Elantra insurance rates.
To help illustrate this point, the graph below shows rates for the cheapest car insurance in Stockton, CA for a 40-year-old female driver with no prior accidents, a clean driving record, and a good credit history. If we compare prices based on her current risk profile, USAA might quote the cheapest car insurance rates in Stockton at $1,384 per year. This is $267 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the cheapest Stockton, CA auto insurance companies.
Now we will pretend the driver from the first set of rates some claims, a lower credit rating, and a blemish on her driving record. Because every insurance company has a different formula to establish rates, analyzing rates may now present a different set of companies as shown below.
Mercury now has the cheapest auto insurance in Stockton, CA with Grange, Progressive, Allstate, and GEICO also having competitive pricing. This demonstrates why consumers need to perform an extensive rate comparison when trying to find cheap insurance rates for a Hyundai Elantra. Prices can be determined by many different factors and can decrease or increase without notice, so the most economical option when you bought your policy may now be quite expensive.