Buying competitive coverage for a Hyundai Elantra in California doesn’t take a ton of time, but it depends on a lot of rating factors such as your gender, your claims history, and any prior driving offenses you have. Drivers pay around $955 a year for Elantra insurance, but that amount is an approximation calculated based on a 50-year-old married female driver with full physical damage coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 50 years old or even a female, single instead of married, and maybe you want different deductibles. Everyone has unique insurance needs, and this illustrates why the only real way to find cheap insurance prices for your Hyundai is to do the rate comparisons yourself.
Cheapest Hyundai Elantra Insurance Rates
The trim level of your vehicle will likely have an effect on the cost of coverage, so the price you will pay to insure a Elantra GLS Touring Station Wagon will be $98 less expensive the price to insure the more costly Elantra SE Touring Station Wagon trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $186 | $316 | $354 | $20 | $106 | $982 | $82 |
| Elantra Blue 4-Dr Sedan | $186 | $454 | $416 | $24 | $124 | $1,204 | $100 |
| Elantra GLS 4-Dr Sedan | $214 | $454 | $416 | $24 | $124 | $1,232 | $103 |
| Elantra SE 4-Dr Sedan | $214 | $454 | $416 | $24 | $124 | $1,232 | $103 |
| Elantra SE Touring Station Wagon | $214 | $386 | $354 | $20 | $106 | $1,080 | $90 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in specific location which can lower or raise premiums noticeably.
Buying coverage from a high-quality insurance provider can be challenging considering how many companies are available to choose from in Los Angeles. The rank data in the next section may help you pick which coverage providers to look at when comparing rates.
These rankings only include companies with a nationwide focus, so companies without a large exposure are not factored into these rankings. If you’d like to compare prices from these and other top-rated companies, just click here.
Top 10 Major Car Insurance Companies Overall in Los Angeles
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Major Car Insurance Companies in Los Angeles Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
How to get discounts on Los Angeles auto insurance
Car insurance companies that offer coverage for a Hyundai Elantra may provide policy discounts that could reduce prices by 30% or more if you meet the requirements. Large auto insurance companies and a partial list of their discounts can be found below.
- 21st Century includes discounts for homeowners, 55 and older, student driver, good student, anti-lock brakes, theft prevention, and teen driver.
- Progressive policyholders can earn discounts including good student, multi-policy, homeowner, continuous coverage, online signing, online quote discount, and multi-vehicle.
- State Farm may have discounts that include Drive Safe & Save, safe vehicle, passive restraint, multiple policy, defensive driving training, and accident-free.
- Nationwide offers discounts for easy pay, family plan, defensive driving, Farm Bureau membership, anti-theft, and accident-free.
- Esurance has savings for homeowner, claim free, good student, emergency road assistance, multi-car, and multi-policy.
- The Hartford may include discounts for anti-theft, vehicle fuel type, defensive driver, driver training, good student, bundle, and air bag.
The example below shows the comparison of yearly insurance costs with and without discounts. The rates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, anti-theft, accident-free, multiple policy, homeowner, and safe-driver discounts applied. With discounts applied, theaverage amount saved on auto insurance for a Hyundai Elantra is 28% or $847.
Why you should be shopping around
Los Angeles auto insurance rates are based on many factors that will increase or decrease the policy price. Getting older, getting married, or getting a ticket for careless driving can produce rate changes that can make some companies more affordable than before.
Not only may your risk profile change, but car insurance companies file new rates every year or even multiple times each year in order to protect their financial rating. Significantly higher claims may result in increased policy costs, while less frequent claims can cause lower-cost Elantra insurance rates.
As an example, the chart below shows the companies that have the cheapest car insurance in Los Angeles, CA for a 30-year-old female driver with no accidents or violations, and a decent credit rating. If we look at prices based on her current rating profile, USAA might offer the best car insurance rates in Los Angeles at $1,853 each year. This is $202 more than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide round out the rest of the top five cheapest Los Angeles, CA auto insurance companies.
Now we will pretend the driver from the first example an accident claim, poor credit, and a few traffic violations. Since every car insurance company has their own unique process to set premium rates, analyzing rates may now result in a slightly different list of affordable companies as shown below.
Grange now has the best insurance rate in Los Angeles with Allstate, Mercury, Progressive, and GEICO now being in the top five. This example proves why it is crucial to compare as many rates as possible to get the most affordable car insurance quotes for a Hyundai Elantra. Rates consist of many factors and can increase or decrease at any time, so the cheapest option three years ago may now be costing you a lot of money.
The Los Angeles auto insurance agencies shown below can probably help you determine which auto insurance coverages would be the best in your situation, as many consumers aren’t sure which coverage to buy and prefer to have a little guidance when shopping around for cheaper insurance for a Hyundai Elantra. It can be time-consuming to find the best rates on your own, and getting professional guidance from a licensed agent can give you satisfaction knowing your policy gives you enough protection. To find a Los Angeles insurance agent close to where you live, click the button at the bottom of the list.
- Derek Ennis – State Farm Insurance Agent
3717 S La Brea Ave #202 – Los Angeles, CA 90016 – (323) 294-9400 - Charles Garrett Jr – State Farm Insurance Agent
4929 Wilshire Blvd #745 – Los Angeles, CA 90010 – (323) 692-0090 - Terza West-Dantzler – State Farm Insurance Agent
875 N Gower St – Los Angeles, CA 90038 – (323) 462-1096 - Nationwide Insurance: Caiquo Insurance Agency
5757 W Century Blvd #700 – Los Angeles, CA 90045 – (310) 348-9936 - Lisa Brown – State Farm Insurance Agent
1247 S La Brea Ave – Los Angeles, CA 90019 – (323) 954-9763
More Los Angeles, CA insurance agents
How to find budget-friendly car insurance for a Hyundai Elantra
It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help Los Angeles drivers buy cheap coverage.
- Don’t have frequent claims
- Keep your driving record clean
- Avoid accidents and claims
- Buy a car with high safety ratings
- Pay lower rates with good credit
- Compare rates once a year for cheaper prices
That final tip is especially necessary, as we hit on in the prior article. Prices charged by car insurance companies vary greatly, so you should be ready to change insurance companies if a more affordable rate is found.
Many consumers stick with the same company and that’s fine, but is isn’t recommended if it’s costing you major coinage every year. Now is a great time to compare prices to find cheaper auto insurance for a Hyundai Elantra in Los Angeles.