Who Has the Cheapest Austin Car Insurance Rates for a Hyundai Elantra?

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Hyundai Elantra insurance
Hyundai Elantra insurance image courtesy of QuoteInspector.com

Buying the best cheap car insurance for a Hyundai Elantra in Texas relies on a lot of factors such as age of the vehicle, your occupation, and whether or not you are a good driver. Drivers will pay on average $854 each year to insure their Elantra, but that cost is an estimation based on a 50-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.

Odds are that you aren't exactly 50 years old or even a female, possibly married instead of single, or maybe you are just looking for cheap liability insurance. Insurance is an individual thing, so the best method for finding cheap car insurance rates for your Hyundai is to do a thorough rate comparison.

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Vehicle trim level can impact the cost of coverage, so the rate you will pay to insure a Elantra GLS Touring Station Wagon trim level will cost $74 less than the cost to insure the higher-priced Elantra SE Touring Station Wagon model, as shown in the chart below.

Hyundai Elantra Insurance Rates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $136 $252 $366 $22 $110 $886 $74
Elantra Blue 4-Dr Sedan $136 $360 $430 $26 $128 $1,080 $90
Elantra GLS 4-Dr Sedan $156 $360 $430 $26 $128 $1,100 $92
Elantra SE 4-Dr Sedan $156 $360 $430 $26 $128 $1,100 $92
Elantra SE Touring Station Wagon $156 $306 $366 $22 $110 $960 $80
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in Austin location which can change insurance rates significantly.

Figuring out which company quotes the lowest-priced insurance rates for a Hyundai Elantra calls for a little more work than just getting one or two price quotes. Each company has their own unique process to establish rates, so let's take a look at the overall cheapest insurance companies in Texas.

It's a good idea to be aware that Texas insurance rates are influenced by many factors that control the price you have to pay. Simply having another birthday, buying a home instead of renting, or getting into an accident can cause premium changes that may make certain companies more affordable than competitors.

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,095
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,256
5 Esurance $1,379
6 California Casualty $1,396
7 State Farm $1,450
8 Mercury $1,461
9 Safe Auto $1,565
10 Nationwide $1,600
11 Progressive $1,664
12 Allstate $1,667
13 Amica $1,757
14 GEICO $2,072
15 Home State $2,092
16 MetLife $2,227
17 Unitrin $2,264
18 Encompass $2,301
19 21st Century $2,396
20 Titan $2,672
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Travelers has some of the most affordable car insurance rates in Austin at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the most economical Austin, TX car insurance companies.

As illustrated above, if you are insured with USAA and switched to Travelers, you might realize a yearly price reduction of about $54. Customers with Texas Farm Bureau may save as much as $194 a year, and Germania Mutual insureds might realize rate reductions of up to $215 a year.

To find the cheapest coverage for you, click here to start a quote or click several companies below for low rates.

Understand that those policy prices are averages for all types of insureds and vehicles and are not factoring in a vehicle location for a Hyundai Elantra. So the car insurance company that is most affordable for your situation may not even be in the top 23 companies in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

Discounts on Austin insurance

Insurance for an Elantra in Austin, TXAuto insurance companies that sell policies for a Hyundai Elantra may also give you discounts that could reduce prices by 25% or more if you qualify. Larger insurance companies and some of the discounts are included below.

The example below illustrates the comparison of auto insurance costs with and without discounts applied to the policy rates. The information is based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with defensive driving course, multiple policy, multiple vehicle, marriage, homeowner, and passive restraint discounts applied. When taking advantage of discounts, theamount saved on insurance for a Hyundai Elantra is 28% or $578.

Bad driving habits will cost you more

In a perfect world, the best way to enjoy the cheapest insurance prices in Texas for an Elantra is to be a cautious driver and avoid accidents and traffic citations. The chart below highlights how traffic violations and accidents impact insurance costs for each age group. The prices are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.

In the prior example, the average cost of auto insurance in Austin per year with no accidents or violations is $1,706. Add in two speeding tickets and the average cost increases to $2,431, an increase of $725 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of insurance for a Hyundai Elantra jumps again to an average of $4,982. That's an increase of $3,276, or $273 per month, just for not driving attentively!

How to find budget-friendly car insurance for a Hyundai Elantra

The list below details some money-saving ideas that can help Austin drivers find low-cost car insurance.

The last suggestion is notably crucial, as was noted in this write-up. Prices charged by auto insurers can be modified anytime, so drivers shouldn't be reluctant to buy a policy from a new company if a better rate can be found.

Having a favorite company is fine, but it's not recommended if that faithfulness ends up costing you major coinage every year. In just a couple of minutes you could compare prices to find cheaper auto insurance for a Hyundai Elantra in Austin.