How Much is Arlington Auto Insurance for a Hyundai Elantra?

Buying competitive auto insurance for a Hyundai Elantra is fairly simple, but it relies on a whole bunch of factors such as whether you are male or female, your geographic location, and the level of deductible you choose. Drivers in Texas pay on average $1,354 a year for Elantra insurance, but that figure is an approximation calculated based on a 40-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.

But there is a high probability that you may not be 40 years old (or even male), married instead of single, or you just want cheap liability insurance instead of full coverage. Just a minor difference in rating criteria or coverage limits can make a large difference in policy price.

Not everyone needs the same coverages, so the best way to find cheap insurance rates for your Hyundai is to do the rate comparisons yourself.

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The trim level of your vehicle tends to have a direct effect on price, so the price you will be charged to insure a Elantra GLS Touring Station Wagon model will be $164 less expensive the cost to insure the more well-appointed Elantra SE Touring Station Wagon model, as shown in the table below.

Hyundai Elantra Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $280 $560 $392 $24 $118 $1,374 $115
Elantra Blue 4-Dr Sedan $280 $802 $462 $28 $138 $1,710 $143
Elantra GLS 4-Dr Sedan $322 $802 $462 $28 $138 $1,752 $146
Elantra SE 4-Dr Sedan $322 $802 $462 $28 $138 $1,752 $146
Elantra SE Touring Station Wagon $322 $682 $392 $24 $118 $1,538 $128
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific zip code location which can affect premium rates considerably.

Buying cheap insurance is not always easy, and deciding which company offers the cheapest insurance rates for a Hyundai Elantra will take even more diligence. Every auto insurer uses their own calculation for setting rates, so we need to take a look at the most budget-friendly insurance companies in Arlington, TX.

Best Insurance Companies for Your Hyundai

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Cheapest insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,084
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,396
7 Mercury $1,476
8 State Farm $1,510
9 Safe Auto $1,597
10 Nationwide $1,600
11 Progressive $1,664
12 Allstate $1,701
13 Amica $1,705
14 GEICO $2,135
15 Home State $2,155
16 MetLife $2,227
17 Unitrin $2,241
18 Encompass $2,324
19 21st Century $2,421
20 Titan $2,646
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Travelers may have some of the lowest car insurance rates in Arlington at around $1,021 a year. This is $883 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheaper Arlington, TX auto insurance companies.

As illustrated above, if you are a policyholder with Esurance and switched to USAA, you might realize an annual savings of in the vicinity of $295. Policyholders with California Casualty might save as much as $312 a year, and Mercury policyholders might lower prices by $392 a year.

Remember that these premiums are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific location for a Hyundai Elantra. So the auto insurance company that is most affordable for your situation may not even be in the top 23 companies shown above. That is why you need to compare as many prices as possible using your own specific driver and vehicle information.

Should you buy full coverage?

Buying cheaper insurance is probably important to the majority of vehicle owners, and one great way to buy cheaper insurance for a Hyundai Elantra is to not buy comprehensive and collision coverage. The information below compares insurance costs with full coverage and liability only. The prices are based on no violations or claims, $100 deductibles, drivers are single, and no other discounts are factored in.

If we average the cost for all age groups, full coverage on your policy costs $2,181 per year more than just buying liability only. That is a large expense which might make you wonder if it’s a good idea to buy full coverage. There is no clear-cut rule of when to exclude physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,500 after paying your policy deductible. If you are paying more than $350 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where dropping full coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.

The benefit of shopping around

Arlington insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Turning one year older, getting married, or getting a couple of tickets may generate price changes that can now make some companies cheaper than competitors. Not only may your situation change, but car insurance companies change rates as often as every three months in order to remain profitable. Unexpectedly high claims may result in higher priced premiums, while lower claim expenses may result in cheaper Elantra insurance rates.

To illustrate this example, the chart below shows the cheapest car insurance in Arlington, TX for a 30-year-old male driver with a clean driving record, no accidents, and great credit. If we estimate prices based on his current risk profile, Travelers has the most affordable car insurance rates in Arlington at $1,161 each year. This is $743 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also included in the cheapest Arlington, TX auto insurance companies.

In this next rate comparison, we will give the driver in the first example a chargeable claim, a lower credit rating, and a speeding ticket. Since each insurance company has a proprietary method for determining prices, analyzing rates may now result in a different set of affordable Arlington car insurance companies as shown below.

Mercury now has the lowest price in Arlington with State Farm, Nationwide, USAA, and Safe Auto also having competitive pricing. This illustrates why Arlington drivers need to perform an extensive rate comparison when trying to get the best insurance rates for a Hyundai Elantra.

Auto insurance prices can be determined by many things and can change without notice, so the cheapest option when you last compared rates may now be quite expensive.

The Arlington car insurance agencies listed below can help you make a decision which car insurance policy is best, as lots of people like to have a consultation when buying car insurance for a Hyundai Elantra. It can be hard to find the cheapest auto insurance company, so getting advice from a licensed agent can give peace of mind knowing your policy gives you adequate coverage when you need it most.

To find an Arlington insurance agent close to you, click the button at the bottom of the list or click here to compare price quotes.

Vogue Insurance Agency
1201 N Watson Rd #287Arlington, TX 76006(682) 305-2140

GEICO Insurance Agent
5930 Interstate 20 W Suite 252Arlington, TX 76017(817) 985-5300

Allstate Insurance: Michael Puzzuole
2175 W Green Oaks BlvdArlington, TX 76013(817) 446-1522

Ryan Salsbury – State Farm Insurance Agent
1120 E Bardin Rd Ste 170Arlington, TX 76018(817) 465-7926

Farmers Insurance: Scott Insurance Agency
5800 I-20 Frontage Rd #100Arlington, TX 76017(817) 225-6431

View map of Arlington, TX insurance agents