Finding economical car insurance for a Hyundai Elantra in California hinges on many different factors such as the age of the Elantra, your credit score, and any prior driving offenses. California drivers pay around $956 annually to insure their Elantra, but that is an estimate based upon a 30-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
The problem with using this number is the good chance you are not 30 years old and maybe not even female, maybe you are single instead of married, or maybe you just want liability only instead of full coverage. This example demonstrates why the best method for finding the cheapest insurance price for your Hyundai is to do the rate comparisons yourself. It only takes a couple of minutes and you will be able to compare rates from the cheapest companies that offer coverage in California.
Your vehicle’s trim level will have an impact the annual cost of coverage, so the cost to insure a Elantra GLS Touring Station Wagon model will be $88 less expensive the insurance cost for the high end Elantra SE Touring Station Wagon trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $178 | $292 | $384 | $22 | $114 | $990 | $83 |
| Elantra Blue 4-Dr Sedan | $178 | $418 | $450 | $26 | $134 | $1,206 | $101 |
| Elantra GLS 4-Dr Sedan | $204 | $418 | $450 | $26 | $134 | $1,232 | $103 |
| Elantra SE 4-Dr Sedan | $204 | $418 | $450 | $26 | $134 | $1,232 | $103 |
| Elantra SE Touring Station Wagon | $204 | $354 | $384 | $22 | $114 | $1,078 | $90 |
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in zip code location which can increase or decrease coverage rates substantially.
Insuring your vehicle with a good quality car insurance company is difficult considering how many companies provide coverage in Long Beach. The information in the lists below could help you pick which auto insurance companies you want to consider comparing rates with. These rankings are only made up of companies who write in the majority of U.S. states, so companies that focus mainly on California business will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Drive responsibly or pay higher rates
In a perfect world, the best way to enjoy the most affordable auto insurance premiums in Long Beach for an Elantra is to be a good driver and avoid getting tickets or having accidents. The information below demonstrates how citations and at-fault collisions impact insurance costs for different age categories. The price estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
In the example above, the average cost of car insurance in California per year with no violations or accidents is $1,598. Receive one speeding ticket and the average cost jumps to $1,862, an increase of $264 each year. Now get two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Hyundai Elantra goes up to an average of $4,245. That’s an increase of $2,647, or $221 per month, just for not being a responsible driver!
Low rates can quickly become overpriced
California auto insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Turning one year older, getting married, or getting a reckless driving citation can trigger price changes that may make certain companies more affordable than others.
Not only that, but auto insurance companies amend pricing as needed to adjust for heavy claims or excess profits. A period of increased losses may result in higher priced premiums, while lower claims can produce lower-priced Elantra insurance rates.
For instance, the chart below shows which companies have the cheapest car insurance in Long Beach, CA for a 40-year-old female driver with no violations or accidents, and excellent credit. If we estimate rates based on her current rating profile, USAA has the lowest car insurance rates in Long Beach at $1,356 each year. This is $295 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remaining cheapest Long Beach, CA auto insurance companies.
Now we will give the driver from above a chargeable accident, a lower credit rating, and a traffic citation. Due to the fact that each insurance company uses a different method for setting prices, comparing prices could result in a different list of affordable companies as shown below.
Grange now has the best insurance rate in Long Beach with GEICO, Mercury, Progressive, and Allstate also having competitive pricing. This illustrates why it is critical to perform a complete rate comparison to get the best car insurance rates for a Hyundai Elantra.
Prices can be determined by many different factors and can decrease or increase without notice, so the lowest-price company two years ago may now be costing you a lot of money.
How to find low-cost car insurance for a Hyundai Elantra
Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help California drivers find cheaper auto insurance.
- Raise your physical damage coverage deductibles
- At-fault accidents will increase rates
- Ensure your driving record is clean
- Vehicles with good safety ratings have lower liability rates
- Better credit scores save money
- Keep rates low by shopping around frequently
That final tip is remarkably critical, as was emphasized in the article above. Auto insurance rates fluctuate considerably, so you should be ready to switch to a new company if a better rate can be found.
Sticking with a specific company is fine, but is isn’t recommended if your bullheadedness ends up costing you several hundred dollars every year. If you have a few minutes, shop around and find cheaper insurance for a Hyundai Elantra in Long Beach.