Finding the cheapest insurance for a Hyundai Elantra relies on a whole bunch of factors such as the age of the Elantra, the performance level of your vehicle, and physical damage deductibles. Virginia drivers pay on average $657 annually to insure their Elantra, but that is using a 30-year-old single male driver with full coverage and $1,000 deductibles.
The problem with using this number is the good chance you are not 30 and maybe not even a male, possibly married instead of single, or maybe you have a teenager that needs to be on your policy. Having even a minor difference in rating variables can make a large difference in the policy rate.
Car insurance coverage is unique to each driver, so this is why the best method for finding cheap car insurance rates for your Hyundai is to do the rate comparisons yourself. To start saving now, get free quotes and you can get prices from some of the cheapest companies that sell coverage in Virginia.
The specific model of Elantra tends to have a direct impact on the cost of coverage, so the rate you pay to insure a Elantra GLS Touring Station Wagon will be $54 cheaper than the price to insure the higher-priced Elantra SE Touring Station Wagon version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $122 | $174 | $286 | $16 | $86 | $684 | $57 |
| Elantra Blue 4-Dr Sedan | $122 | $248 | $338 | $20 | $100 | $828 | $69 |
| Elantra GLS 4-Dr Sedan | $140 | $248 | $338 | $20 | $100 | $846 | $71 |
| Elantra SE 4-Dr Sedan | $140 | $248 | $338 | $20 | $100 | $846 | $71 |
| Elantra SE Touring Station Wagon | $140 | $210 | $286 | $16 | $86 | $738 | $62 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in your specific Virginia Beach location which can lower or raise premium rates considerably.
Establishing which company quotes the best car insurance rates for a Hyundai Elantra requires a bit more effort than just quoting one company’s rates.
Every insurance provider uses their own method to set premium rates, so let’s take a look at the car insurance companies with the overall cheapest rates in Virginia Beach, VA.
Lowest Insurance Price Quotes for Your Hyundai
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $679 |
| 2 | USAA | $688 |
| 3 | Penn National | $726 |
| 4 | Cincinnati Insurance | $733 |
| 5 | The Hartford | $785 |
| 6 | Utica National | $788 |
| 7 | Auto-Owners | $788 |
| 8 | Erie | $812 |
| 9 | Virginia Farm Bureau | $826 |
| 10 | Donegal Mutual | $878 |
| 11 | Nationwide | $935 |
| 12 | Allied | $1,022 |
| 13 | GEICO | $1,026 |
| 14 | ALFA | $1,028 |
| 15 | National Grange Mutual | $1,060 |
| 16 | State Farm | $1,132 |
| 17 | Chubb | $1,145 |
| 18 | Electric | $1,180 |
| 19 | Progressive | $1,209 |
| 20 | California Casualty | $1,239 |
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Travelers quotes some of the cheapest car insurance rates in Virginia Beach at around $679 annually. This is $479 less than the average rate paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and The Hartford are also some of the best Virginia Beach, VA car insurance companies.
As shown in the rates above, if you have coverage with Cincinnati Insurance and switched to USAA, you may realize an annual savings of in the vicinity of $45. Drivers with The Hartford may save as much as $97 a year, and Utica National policyholders might reduce prices by as much as $100 a year.
To find out how your current rates compare, click here or click through to the companies below.
Be aware that those policy rates are averaged across all ages of drivers and types of vehicles and do not factor in an exact location for a Hyundai Elantra. So the insurer that fits you best may not even be in the top 30 companies shown above. That’s why you need to get auto insurance quotes using your own specific driver information and vehicle.
Get discount Virginia Beach auto insurance rates
Insurers that provide policies for a Hyundai Elantra may provide premium discounts that can reduce rates by as much as 25% or more if you meet eligibility requirements. A few of the larger companies and their possible discounts are detailed below.
- 21st Century may have discounts that include defensive driver, early bird, student driver, homeowners, teen driver, automatic seat belts, and 55 and older.
- Progressive has savings for multi-vehicle, online quote discount, good student, continuous coverage, homeowner, multi-policy, and online signing.
- State Farm policyholders can earn discounts including accident-free, defensive driving training, good driver, passive restraint, student away at school, and Drive Safe & Save.
- Nationwide discounts include family plan, accident-free, good student, multi-policy, easy pay, and Farm Bureau membership.
- Esurance offers discounts including good driver, safety device, multi-car, claim free, and homeowner.
- The Hartford may include discounts for anti-theft, good student, bundle, vehicle fuel type, and driver training.
The chart below illustrates the comparison of car insurance costs with and without discounts. The premiums are based on a male driver, no driving violations, no at-fault accidents, Virginia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, marriage, vehicle safety, multiple policy, accident-free, and defensive driving course discounts applied. With discounts applied, the average amount saved each year on car insurance for a Hyundai Elantra is 28% or $425.
Compare quotes and save
Virginia Beach car insurance rates are impacted by many factors which can substantially decrease or increase the price you pay for coverage. Simply getting older, moving to a different location, or having an at-fault accident can produce rate changes that can make some companies cheaper in comparison to the competition.
Also, insurers modify pricing multiple times each year to ensure their profitability. Significantly higher losses may cause high rates, while a profitable period may cause more affordable Elantra insurance rates.
The chart below demonstrates which company has the cheapest car insurance in Virginia Beach, VA for a 30-year-old female driver with no prior claims, no tickets, and a good credit rating. When quoting prices based on her current rating profile, Travelers may have the most affordable car insurance rates in Virginia Beach at $798 each year. This is $360 less than the average price paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners are also included in the best Virginia Beach, VA auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates an accident claim, a little lower credit rating, and a stop sign violation. Since each auto insurer has a proprietary method to set premium rates, getting updated rate quotes may now result in a completely different list of cheap Virginia Beach auto insurance companies as shown below.
Erie now has the cheapest auto insurance in Virginia Beach, VA with Utica National, Virginia Farm Bureau, Donegal Mutual, and Nationwide also having competitive pricing. This example illustrates why Virginia drivers need to compare rates when trying to find the lowest insurance rates for a Hyundai Elantra.
Prices are influenced by many factors and can increase or decrease at any time, so the cheapest company a year ago may now be one of the higher cost companies.