Finding affordable insurance for a Hyundai Elantra in Pennsylvania relies on a large number of factors such as the age of the Elantra, whether or not you have filed claims in the past, and your policy deductibles. Pennsylvania drivers will pay around $712 annually for Elantra insurance, but that amount is a projection using a 40-year-old married female driver with full physical damage coverage and $1,000 deductibles.
When projecting a rate like this, the problem is that you may not be 40 years old (or even female), possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. Just a minor difference in policy rating criteria or coverages could end up in a significant change in the policy rate.
Every driver’s needs are different, and that is why the way we recommend to find cheap auto insurance rates for your Hyundai is to do a thorough rate comparison. To cut your rates now, get a free quote and you will receive price comparisons from the best auto insurance companies that sell coverage in Pennsylvania.
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Your Hyundai’s trim level tends to impact the yearly cost, so the price to insure a Elantra GLS Touring Station Wagon model will be $64 less than the insurance cost for the more well-appointed Elantra SE Touring Station Wagon model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $118 | $218 | $294 | $18 | $88 | $736 | $61 |
| Elantra Blue 4-Dr Sedan | $118 | $312 | $346 | $20 | $104 | $900 | $75 |
| Elantra GLS 4-Dr Sedan | $136 | $312 | $346 | $20 | $104 | $918 | $77 |
| Elantra SE 4-Dr Sedan | $136 | $312 | $346 | $20 | $104 | $918 | $77 |
| Elantra SE Touring Station Wagon | $136 | $264 | $294 | $18 | $88 | $800 | $67 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in your specific Philadelphia location which can lower or raise prices substantially.
Finding dependable, low-cost insurance is tough enough, and finding out which company quotes the cheapest car insurance rates for a Hyundai Elantra involves even more work. Each auto insurer uses different criteria to set their prices, so first let’s look at the rankings for the lowest cost car insurance companies in Philadelphia, PA.
We do need to point out that Philadelphia, PA car insurance rates are influenced by many factors that may substantially change the policy premium. Simply improving your credit score, buying a different vehicle, or getting into an accident may cause policy rate changes resulting in some companies being way too expensive in comparison to the competition.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $718 |
| 2 | Travelers | $787 |
| 3 | USAA | $809 |
| 4 | Erie | $816 |
| 5 | Penn National | $832 |
| 6 | Auto-Owners | $973 |
| 7 | Amica | $992 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,091 |
| 10 | GEICO | $1,145 |
| 11 | State Farm | $1,162 |
| 12 | Allied | $1,179 |
| 13 | California Casualty | $1,186 |
| 14 | State Auto | $1,279 |
| 15 | Encompass | $1,344 |
| 16 | Progressive | $1,429 |
| 17 | Harleysville | $1,438 |
| 18 | Mutual Benefit Group | $1,439 |
| 19 | Nationwide | $1,447 |
| 20 | Chubb | $1,598 |
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General Casualty may have some of the cheapest car insurance rates in Philadelphia at around $718 annually. This is $939 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National also are some of the more affordable Philadelphia, PA insurance companies.
As illustrated above, if you are currently insured with Erie and switched to General Casualty, you may realize savings of around $98. Customers with Penn National may save as much as $114 a year, and Auto-Owners insureds might lower prices by $255 a year.
To see if you’re overpaying, click here to start your custom quote or visit any of the companies below.
Remember that these prices are averages for all drivers and vehicles in Pennsylvania and do not take into consideration a specific zip code for a Hyundai Elantra. So the company that has the cheapest price for you may not even be in the top 30 companies in the list above. That emphasizes why you need to get car insurance quotes using your own driver data and vehicle information.
Impact of violations and accidents on rates in Philadelphia
The easiest way to earn cheap car insurance rates in Pennsylvania for an Elantra is to be a cautious driver and avoid accidents and keep your driving record clean. The example below shows how violations and at-fault accidents increase car insurance rates for each different age group. The price estimates are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied.
In the example above, the average cost of auto insurance in Philadelphia per year with no violations or accidents is $1,870. Factor in two speeding tickets and the average cost rises to $2,586, an increase of $717 each year. Now get one accident along with the two speeding tickets and the annual cost of car insurance for a Hyundai Elantra goes up to an average of $3,317. That’s an increase of $1,447, or $121 per month, just for not driving attentively!
Discounts on Philadelphia auto insurance
Insurance companies that sell policies for a Hyundai Elantra may provide policy discounts that could lower prices by as much as 30% if you are eligible to receive them. A list of car insurance companies and a partial list of their discounts can be found below.
- State Farm may offer discounts for good student, accident-free, anti-theft, Steer Clear safe driver discount, driver’s education, multiple autos, and Drive Safe & Save.
- American Family includes discounts for TimeAway discount, multi-vehicle, mySafetyValet, good driver, accident-free, bundled insurance, and Steer into Savings.
- GEICO offers discounts for five-year accident-free, anti-theft, defensive driver, seat belt use, good student, and military active duty.
- 21st Century may include discounts for anti-lock brakes, good student, automatic seat belts, theft prevention, and defensive driver.
- Progressive may have discounts that include continuous coverage, homeowner, multi-policy, online signing, good student, online quote discount, and multi-vehicle.
The example below shows the difference between auto insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, homeowner, multiple vehicle, marriage, multiple policy, and defensive driving course discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on car insurance for a Hyundai Elantra is 28% or $580.
The information below illustrates how choosing a deductible can affect insurance costs when researching cheap insurance for a Hyundai Elantra. The data is based on a single male driver, comp and collision included, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could lower rates by $414 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $620 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, could reduce their rates as much as $1,222 annually by using a higher deductible. If you make the decision to raise deductibles, it will be required to have enough savings to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.