Finding the cheapest car insurance for a Hyundai Elantra in California depends on a lot of factors such as whether you use your Elantra for business use, the likelihood of your vehicle being stolen, and if you have tickets or violations. California drivers pay on average $959 annually for Elantra insurance, but that cost is an approximation based on a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
Most likely you are not 30 and maybe not even a male, possibly single instead of married, or maybe you just want liability only. Each driver’s needs are different, and that demonstrates why the only way to find cheap auto insurance rates for your Hyundai is to compare rates from as many companies as possible. Compare rate quotes now and you will receive price comparisons from the best auto insurance companies in California.
The trim level of your vehicle tends to impact price, so the price you pay to insure a Elantra GLS Touring Station Wagon model will be $90 less than the cost to insure the fancier Elantra SE Touring Station Wagon model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Elantra Blue 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Elantra GLS 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Elantra SE 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Elantra SE Touring Station Wagon | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific Sacramento garaging location which can increase or decrease rates substantially.
Ending up with the best auto insurance provider is hard considering how many choices you have in California. The company ratings displayed below could help you choose which insurers to look at when looking for cheaper rates. The rankings below include large insurance companies, so smaller companies that only insure vehicles in California are not factored into the list.
Top 10 Major Auto Insurers Overall in Sacramento
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
The information below shows how different deductible levels can affect insurance costs when trying to find cheap insurance for a Hyundai Elantra. The rates are based on a single female driver, full coverage, and no additional discounts are factored in.
A 40-year-old driver could lower their car insurance rates by $460 a year by changing from a $100 deductible to a $500 deductible, or save $688 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could possibly save as much as $1,186 each year just by using higher deductibles.
If you make the decision to raise deductibles, it is essential to have enough savings to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Full coverage rates compared to liability only
Saving money on insurance is probably important to most people, and one of the fastest ways to buy cheap insurance for a Hyundai Elantra is to buy liability only. The illustration below shows the difference between insurance rates with and without physical damage coverage. The costs are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.
Averaged for all age groups, comp and collision coverage costs $3,225 per year more than just buying liability only. That amount may make you wonder when is the right time to remove full coverage. There is no clear-cut rule of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.
Here’s why you should compare rates often
Sacramento insurance rates are impacted by many things that will increase or decrease the cost of a policy. Improving your credit rating, increasing deductibles, or getting a driving violation can trigger changes in premium that can cause some rates to be cheaper in comparison to the competition. Not only may your risk profile change, but insurance companies change premium rates every year in order to offset underwriting gains or losses. Heavier than normal losses can cause rate increases, while lower claims may produce lower-cost Elantra insurance rates.
To illustrate this point, the bar chart below compares the cheapest car insurance in Sacramento, CA for a 45-year-old male driver with no prior accidents, a clean driving record, and excellent credit. Based on his personal risk profile, USAA might quote the lowest car insurance rates in Sacramento at $1,399 a year. This is $252 less than the average rate paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are the rest of the top five cheapest Sacramento, CA auto insurance companies.
The example below compares rates after we give the driver from the above example a claim surcharge, bad credit, and a speeding citation. Since every car insurance company uses a different method for establishing rates, comparing insurance quotes could now result in a different ranking of cheap Sacramento auto insurance companies as shown below.
Grange now has the cheapest rate in Sacramento with Mercury, Allied, Progressive, and Allstate completing the list. This shows why consumers need to take the time to perform a complete rate comparison to find the lowest auto insurance rates for a Hyundai Elantra.
Car insurance prices are made up of many things and can increase or decrease at any time, so the lowest-price company when you bought your policy may now not even be in the top five.
The agents below can probably answer your questions and help you decide which car insurance policy is best, as some drivers aren’t sure which coverage they need and prefer to get help from a professional when shopping around for cheaper insurance for an Elantra. It’s not always easy to find the cheapest car insurance policy, so a professional agent can add satisfaction knowing your policy gives you adequate protection in the event of a claim. To find an auto insurance agency by location nearest to you, click the link at the bottom or click here to compare price quotes.
Castro Property and Commercial Insurance
155 15th St c – West Sacramento, CA 95691 – (916) 482-9600
Big Savings Insurance Agency, Incorporated
1451 River Park Dr Suite 260 – Sacramento, CA 95815 – (888) 719-6743
Moira Little – State Farm Insurance Agent
9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985
Sherman Chan – State Farm Insurance Agent
1355 Florin Rd Ste 1 – Sacramento, CA 95822 – (916) 422-1550
Indus Insurance Agency Incorporated
6968 65th St – Sacramento, CA 95823 – (916) 391-3000
View more Sacramento, CA insurance agents
Tips to find economical auto insurance for a Hyundai Elantra
It’s not impossible to find cheaper rates, and here are some of the better thrifty solutions that can help California drivers buy more affordable auto insurance.
- Increase your policy deductibles
- Prevent price hikes by avoiding at-fault accidents
- Improve your credit score
- Get cheaper liability coverage by choosing a safer vehicle
- Do not pay for full coverage on older vehicles
- Be a safe driver
- Compare price quotes at least once a year
The last item on the list is especially vital, as we discussed in the article above. Rates in Sacramento vary greatly, so drivers shouldn’t be resistant to buy from a new company if a better deal can be had. Having a favorite company is fine, but it’s not recommended if that faithfulness ends up costing you lots of hard earned cash every month. If you have a few minutes, compare rates and find cheaper insurance for a Hyundai Elantra.