Hyundai Elantra insurance image courtesy of QuoteInspector.com
Finding competitive coverage for a Hyundai Elantra depends on a lot of different factors such as when you were born, if you have recent claims, and any past driving violations you may have had. California drivers pay approximately $1,009 annually for Elantra insurance, but that price is an estimate using a 50-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you may not be 50 years old (or even male), you might be married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Everyone has unique insurance needs, and this illustrates why the way we recommend to find the cheapest rates for your Hyundai is to put in the effort to do a thorough rate comparison. Compare rate quotes now and you will receive price comparisons from the cheapest companies that offer coverage in California.
The specific model of Elantra tends to have a direct impact on the insurance rate, so the price you pay to insure a Elantra GLS Touring Station Wagon will be $90 less expensive the insurance cost for the more well-appointed 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||$158||$306||$424||$26||$128||$1,042||$87|
|Elantra Blue 4-Dr Sedan||$158||$440||$500||$30||$150||$1,278||$107|
|Elantra GLS 4-Dr Sedan||$182||$440||$500||$30||$150||$1,302||$109|
|Elantra SE 4-Dr Sedan||$182||$440||$500||$30||$150||$1,302||$109|
|Elantra SE Touring Station Wagon||$182||$372||$424||$26||$128||$1,132||$94|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in specific zip code location which can increase or decrease premiums greatly.
Buying coverage from the top auto insurance company can be difficult considering how many companies are available to choose from in Chula Vista. The company rank data listed below may help you analyze which auto insurers you want to consider buying from.
The rankings below include large nationwide companies, so companies with more of a regional focus are not included in the list. If you would like to check rates and find the cheapest rates for a Hyundai Elantra, follow this link.
Top 10 Major Auto Insurance Providers in Chula Vista Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
How to get discounts on Chula Vista insurance rates
Auto insurance companies that offer quotes for a Hyundai Elantra may also offer premium discounts that can reduce rates by 35% or more if you are eligible for them. Large auto insurance companies and some of the discounts are shown below.
- GEICO offers discounts for driver training, daytime running lights, emergency military deployment, seat belt use, and anti-theft.
- USAA policyholders can earn discounts including loyalty savings, defensive driver, new vehicle, safe driver, military installation, family discount, and good student.
- Progressive may offer discounts for multi-vehicle, good student, online quote discount, online signing, continuous coverage, and homeowner.
- American Family has discounts for mySafetyValet, air bags, multi-vehicle, Steer into Savings, TimeAway discount, good student, and good driver.
- Esurance discounts include online shopper, multi-car, paid-in-full, claim free, and anti-lock brakes.
- Farmers Insurance has savings for bundle discounts, pay in full, switch companies, homeowner, early shopping, and youthful driver.
- State Farm offers premium reductions for accident-free, driver's education, defensive driving training, multiple policy, good driver, good student, and passive restraint.
The example below illustrates the comparison of insurance premiums with and without some available policy discounts. The costs are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple policy, anti-theft, multiple vehicle, claim-free, marriage, and homeowner discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Hyundai Elantra is 28% or $648.
A good deal can quickly turn bad
Chula Vista auto insurance rates are impacted by many factors that will increase or decrease the price of your policy. Getting older, buying a different home, or having an at-fault accident can trigger changes in premium resulting in some rates now being cheaper than competitors.
In addition, companies change the rates they charge in California as often as every quarter to help ensure profitability. Heavy losses can cause higher rates, while lower claims can result in cheaper Elantra insurance rates.
For instance, the graph below shows a variety of companies that have the cheapest car insurance in Chula Vista, CA for a 30-year-old female driver with no violations or accidents, and a good credit history. If we compare prices based on her personal risk profile, USAA offers the most affordable car insurance rates in Chula Vista at $1,140 each year. This is $511 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the cheapest Chula Vista, CA auto insurance companies.
In the next rate comparison, we'll give the driver in the first example a chargeable claim, less-than-perfect credit, and a speeding citation. Since each auto insurer uses their own formula for determining rates, analyzing rates may now show a completely different list of the cheapest car insurance companies in Chula Vista as shown below.
Grange now has the best price in Chula Vista with GEICO, Mercury, Progressive, and Allied now being in the top five. This illustrates why consumers need to shop around with many companies to get the most budget-friendly auto insurance quotes for a Hyundai Elantra. Insurance rates can be altered by many different factors and can increase or decrease at any time, so the cheapest rate the last time you compared rates may now not even be in the top five.
The auto insurance agents in Chula Vista shown below can provide answers to your questions and help you determine which insurance coverage will be best for you, as some drivers have questions and prefer to get some professional advice when shopping for the best coverage for an Elantra. It's not always simple to do it yourself, so insurance agents licensed in the state of California can give peace of mind knowing you have sufficient protection if you have a claim.
To find an agent nearest to you, click the link at the bottom.
- Farmers Insurance - Melissa Talbot
885 Canarios Ct #104 - Chula Vista, CA 91910 - (619) 781-8716
- Princell Insurance Services
1068 Moonstone Pl - Chula Vista, CA 91913 - (619) 397-5955
- Farmers Insurance - Patricia Ruiz
2568 Waterline Way - Chula Vista, CA 91914 - (619) 482-7011
- Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102 - Chula Vista, CA 91915 - (619) 420-1861