Finding the cheapest auto insurance for a Hyundai Elantra relies on a whole bunch of rating criteria such as annual miles driven, whether or not you garage your vehicle, and any prior driving citations you have received. Drivers in Arizona will pay around $985 annually to insure their Elantra, but that is an estimation based upon a 40-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
But there is a high probability that you aren’t exactly 40 years old or even a female, maybe you are married instead of single, or maybe you don’t qualify for the same discounts. This shows why the way we recommend to find the most affordable coverage for your Hyundai is to do the rate comparisons yourself. Get a free quote now and you can get rates from some of the best insurers around.
Vehicle trim level will influence the annual cost of coverage, so the rate you pay to insure a Elantra GLS Touring Station Wagon model will be $108 cheaper than the cost to insure the higher-priced Elantra SE Touring Station Wagon trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$194||$362||$332||$20||$100||$1,008||$84|
|Elantra Blue 4-Dr Sedan||$194||$520||$390||$24||$116||$1,244||$104|
|Elantra GLS 4-Dr Sedan||$222||$520||$390||$24||$116||$1,272||$106|
|Elantra SE 4-Dr Sedan||$222||$520||$390||$24||$116||$1,272||$106|
|Elantra SE Touring Station Wagon||$222||$442||$332||$20||$100||$1,116||$93|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific Tucson garaging location which can alter premiums considerably.
Insuring your vehicle with the right auto insurance company is difficult considering how many different insurance companies sell coverage in Arizona. The rank data in the next section could help you select which coverage providers to look at comparing rates with.
The ratings below are only comprised of companies that write coverage in many states, so companies that may only write in Arizona are not included in the list. If you’d like to compare prices from these top-rated insurers and more, click here.
Top 10 Large Car Insurance Companies in Tucson Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Top 10 Large Car Insurance Companies in Tucson Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
How careless driving impacts Tucson insurance rates
One of the best ways to obtain cheap insurance prices in Tucson for an Elantra is to drive safely and not receive tickets or have accidents. The example below shows how traffic citations and accidents can affect insurance premiums for different insured age categories. The premiums are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the prior example, the average cost of car insurance in Tucson per year with no accidents or violations is $1,640. Factor in one speeding ticket and the average cost rises to $1,879, an increase of $238 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of insurance for a Hyundai Elantra jumps again to an average of $2,562. That’s an increase of $921, or $77 per month, just for being a careless driver!
Discount Tucson insurance rates
Insurers that offer cheap quotes for a Hyundai Elantra may also offer policy discounts that could potentially reduce rates by 30% or more if you qualify for them. A few popular companies and their possible discounts are shown below.
- Travelers policyholders can earn discounts including save driver, multi-car, continuous insurance, early quote, IntelliDrive, multi-policy, and new car.
- 21st Century includes discounts for good student, driver training, air bags, defensive driver, and student driver.
- State Farm may offer discounts for Steer Clear safe driver discount, student away at school, safe vehicle, good student, passive restraint, and multiple policy.
- GEICO has discounts for membership and employees, driver training, multi-vehicle, good student, and anti-theft.
- SAFECO has savings for anti-lock brakes, safe driver, teen safe driver, multi-car, drive less, and bundle discounts.
- AAA offers premium reductions for anti-theft, education and occupation, pay-in-full, AAA membership discount, multi-car, and good driver.
The information below illustrates the difference between auto insurance costs with and without discounts applied to the premium. Data assumes a male driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, homeowner, claim-free, multiple vehicle, multiple policy, and safe-driver discounts applied. When discounts are factored in, the average savings per year on insurance for a Hyundai Elantra is 28% or $482.
Why you should compare rates
Tucson insurance rates are based on many factors which can significantly increase or decrease the cost of coverage. Getting older, buying a home, or having an accident may cause policy rate changes resulting in some rates now being cheaper than competitors.
In addition, auto insurance companies file new Arizona car insurance rates as often as every quarter as an adjustment for underwriting gains or losses. Significantly higher losses may result in a rate increase, while profitable underwriting can cause lower-priced Elantra insurance rates.
To illustrate this example, the bar chart below shows the company with the cheapest car insurance in Tucson, AZ for a 30-year-old male driver with no accidents or violations, and a high credit rating. If we estimate prices based on his personal profile, The Hartford might quote the cheapest car insurance rates in Tucson at $1,062 each year. This is $366 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers round out the rest of the cheapest Tucson, AZ auto insurance companies.
Now let’s give the driver in the first example a claim, a lower credit score, and a few blemishes on his driving record. Due to the fact that each insurance company uses their own method for determining rates, analyzing rates will most likely result in a new list of affordable Tucson car insurance companies as shown below.
Progressive now has the cheapest rate in Tucson with Ameriprise Group, Safeco, Auto-Owners, and CSAA completing the list. This shows why it is critical to perform a complete rate comparison to find the most economical car insurance quotes for a Hyundai Elantra. Auto insurance prices consist of many factors and can change substantially, so the most economical company the last time you compared rates may now cost much more than other companies.
Tips for buying budget-friendly insurance for a Hyundai Elantra
The list below details some of the better penny-pinching ideas that can help Tucson drivers find more affordable coverage.
- Drivers with good credit ratings often pay less
- Increase deductibles to save money
- Assess whether full coverage is needed
- Avoid preventable accidents
- Safe vehicles cost less to insure
- Avoid getting tickets or violations
- Compare rates often to find the best deal
The last tip is particularly vital, as was noted in this article. Prices charged by companies in Tucson change constantly, so drivers shouldn’t be resistant to switch carriers if you find a cheaper price. Staying with the same car insurance company is fine, but it’s not a great idea if that inflexibility results in costing you a wad of cash every year. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for a Hyundai Elantra.
The auto insurance agents in Tucson shown below are a good start to help you decide which insurance coverage you need, since some drivers wish to have the advice of a professional agent when shopping around for cheaper insurance for an Elantra. It can be complicated to find the best policy on your own, and using a licensed agent can bring peace of mind knowing your policy gives you suitable coverage if you ever need to use it.
To find a Tucson insurance agent in your neighborhood, click the button link following the list.
- Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd B – Tucson, AZ 85715 – (520) 885-2321
- Merrie Connon – State Farm Insurance Agent
10222 E Rita Rd #110 – Tucson, AZ 85747 – (520) 574-3223
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456
- Jeff Noel – State Farm Insurance Agent
9136 E Valencia Rd #110 – Tucson, AZ 85747 – (520) 574-7777