How Much are Car Insurance Quotes for a Hyundai Elantra in San Jose?

Buying competitive coverage for a Hyundai Elantra in California depends on many rating factors such as how old the vehicle is, the performance level of your vehicle, and violations on your driving record. Drivers in California will pay around $1,098 each year for Elantra insurance, but that amount is a projection calculated based on a 50-year-old married male driver with full coverage and $250 deductibles.

This brings up the issue that more than likely you aren’t exactly 50 years old or even a male, possibly single instead of married, or maybe you’re a renter instead of a homeowner. Not every driver requires the same auto insurance coverages, so the only way to find cheap insurance rates for your Hyundai is to compare as many rates as possible.

Compare Hyundai Elantra Insurance Rates

The trim level of your vehicle impacts the yearly cost, so the rate you will pay to insure a Elantra GLS Touring Station Wagon will be $122 cheaper than the price to insure the higher-end Elantra SE Touring Station Wagon model, as shown in the prices below.

Hyundai Elantra Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $232 $402 $360 $22 $108 $1,124 $94
Elantra Blue 4-Dr Sedan $232 $576 $424 $26 $126 $1,384 $115
Elantra GLS 4-Dr Sedan $266 $576 $424 $26 $126 $1,418 $118
Elantra SE 4-Dr Sedan $266 $576 $424 $26 $126 $1,418 $118
Elantra SE Touring Station Wagon $266 $490 $360 $22 $108 $1,246 $104
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in zip code location which can modify coverage rates noticeably.

Determining which company offers the lowest-priced insurance rates for a Hyundai Elantra will require a tad more effort in order to find coverage that fits your budget.

Every auto insurer uses their own formula to determine rates, so let’s examine the most affordable insurance companies in California.

Best Auto Insurance Prices for Your Hyundai

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,181
3 CSAA $1,198
4 Nationwide $1,213
5 Century National $1,214
6 21st Century $1,338
7 Grange $1,447
8 Mercury $1,503
9 Progressive $1,512
10 Allstate $1,513
11 The Hartford $1,575
12 GEICO $1,575
13 Allied $1,588
14 MetLife $1,590
15 Esurance $1,688
16 Unitrin $1,699
17 State Farm $1,750
18 Travelers $1,842
19 Bristol West $1,849
20 Farmers $2,006
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USAA quotes some of the cheapest car insurance rates in San Jose at around $1,109 per year. Wawanesa, CSAA, Nationwide, and Century National are also some of the more affordable San Jose, CA car insurance companies.

In this example, if you currently have a policy with Century National and switched to Wawanesa, you could see yearly savings of upwards of $33. Customers with 21st Century may save as much as $157 a year, and Grange insureds might see rate reductions of $266 a year.

To get a quick, customized rate comparison, click here or visit any of the companies below.

Bear in mind that those premium estimates are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific location for a Hyundai Elantra. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That emphasizes why you need to get car insurance quotes using your own driver and vehicle profiles.

The information below shows how different deductible levels can impact insurance prices when searching for cheap insurance for a Hyundai Elantra. The price estimates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

As shown above, a 30-year-old driver could lower their car insurance rates by $350 a year by changing from a $100 deductible to a $500 deductible, or save $530 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could reduce their rates up to $750 every year just by choosing higher deductibles. When using a larger deductible, it’s a good idea to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Why it’s important to shop around

San Jose insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. Turning one year older, buying a home instead of renting, or getting into an accident may prompt premium changes that can cause some rates to be more affordable than competitors. In addition, car insurance companies change their prices at least once a year to adjust for gains or losses. Heavier than normal losses may cause higher priced premiums, while a lower level of claims can cause lower-cost Elantra insurance rates.

For instance, the data below shows the companies that have the cheapest car insurance in San Jose, CA for a 35-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we compare prices based on his personal risk profile, USAA has the best car insurance rates in San Jose at $1,228 annually. This is $423 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the top five cheapest San Jose, CA auto insurance companies.

Now let’s give the driver in the first chart a claim, less-than-perfect credit, and a traffic ticket or two. Since each auto insurer has their own process for setting rates, analyzing rates could now result in a different ranking of cheap San Jose auto insurance companies as shown below.

Grange now has the cheapest price in San Jose with Progressive, Allstate, Mercury, and Allied also having competitive pricing. This example shows why consumers need to perform an extensive rate comparison when trying to find affordable insurance rates for a Hyundai Elantra.

Insurance rates are influenced by many different factors and can change without notice, so the cheapest option six months ago may now be one of the more expensive options.

How to find more affordable insurance for a Hyundai Elantra

The list below summarizes some of the recommended penny-pinching suggestions that can help you buy cheap car insurance.

That last tip is notably significant, as we emphasized in this write-up. Coverage prices in San Jose vary considerably, so don’t be unwilling to buy a policy from a new company if a cheaper price is available.

Loyalty to a specific company is fine, but it’s not recommended if that loyalty ends up costing a lot of money every month. In just a few minutes you could compare rates and find cheaper car insurance for a Hyundai Elantra.