Buying competitive coverage for a Hyundai Elantra in Nevada hinges on a whole bunch of factors such as when you were born, your credit rating, and if you have a history of accidents. Drivers in Nevada will pay on average $799 a year to insure their Elantra, but that figure is an estimation calculated using a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
There’s a high likelihood you’re not a 50-year-old male, married instead of single, or maybe you just want different deductibles. Even a slight change in the rating criteria used to formulate rates can make a big difference in the policy cost.
The different assumptions illustrate why the best way to find the most affordable coverage for your Hyundai is to just compare rates yourself.
The trim level of your Elantra tends to impact price, so the price to insure a Elantra GLS Touring Station Wagon will be $80 cheaper than the cost to insure the higher-priced Elantra SE Touring Station Wagon trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$146||$274||$296||$18||$88||$822||$69|
|Elantra Blue 4-Dr Sedan||$146||$392||$348||$20||$104||$1,010||$84|
|Elantra GLS 4-Dr Sedan||$166||$392||$348||$20||$104||$1,030||$86|
|Elantra SE 4-Dr Sedan||$166||$392||$348||$20||$104||$1,030||$86|
|Elantra SE Touring Station Wagon||$166||$334||$296||$18||$88||$902||$75|
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes considerably.
Selecting the highest-rated insurer is difficult considering how many companies there are in Las Vegas. The information listed below could help you choose which providers to look at when trying to find cheaper insurance for a Hyundai Elantra.
The rankings below are for large nationwide companies, so companies that focus mainly on Nevada business are not taken into consideration for this list. If you would like to check rates from these and other competitive companies, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Las Vegas insurance
Auto insurance companies that provide coverage for a Hyundai Elantra may also give you discounts that can reduce rates by as much as 25% or more if you qualify. Larger auto insurance companies and some of the discounts can be read below.
- State Farm may have discounts that include safe vehicle, Drive Safe & Save, good student, multiple policy, good driver, student away at school, and passive restraint.
- American Family may include discounts for early bird, multi-vehicle, TimeAway discount, accident-free, and defensive driver.
- AAA offers premium reductions for multi-policy, education and occupation, good student, good driver, anti-theft, multi-car, and pay-in-full.
- GEICO has discounts for anti-lock brakes, seat belt use, emergency military deployment, membership and employees, daytime running lights, defensive driver, and federal employee.
- Mercury Insurance discounts include accident-free, anti-theft, type of vehicle, age of vehicle, and multi-car.
- Farmers Insurance includes discounts for youthful driver, switch companies, alternative fuel, early shopping, electronic funds transfer, and good student.
- Progressive offers discounts for multi-vehicle, continuous coverage, good student, multi-policy, homeowner, online quote discount, and online signing.
The illustration below compares car insurance rates with and without discounts applied to the policy rates. The information is based on a male driver, no claims or driving citations, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, claim-free, vehicle safety, multiple policy, marriage, and accident-free discounts applied. When discounts are applied, the average savings per year on auto insurance for a Hyundai Elantra is 28% or $570.
Why you should compare rates
Nevada auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. Improving your credit score, moving to a new city, or getting a few speeding tickets may cause policy rate changes that can cause some rates to be more affordable than before. In addition to those changes, auto insurance companies modify pricing as often as every quarter as an adjustment for underwriting gains or losses. Heavier than normal losses may result in increased policy costs, while a better loss history may result in cheaper Elantra insurance rates.
To illustrate this point, the chart below demonstrates which company has the cheapest car insurance in Las Vegas, NV for a 40-year-old male driver with a good driving record, no prior claims, and good financial standing. When comparing rates based on his current risk factors, Travelers has the most affordable car insurance rates in Las Vegas at $1,653 annually. This is $79 more than the average price paid by Nevada drivers of $1,574. Allied, Capital, American Family, and Progressive are the remainder of the best Las Vegas, NV auto insurance companies.
In this example, we will give the driver from the above example a couple of claims, less-than-perfect credit, and an imperfect driving record. Because each insurer has their own unique process for setting rates, analyzing rate quotes could now result in a different list of affordable Las Vegas car insurance companies as shown below.
GEICO now has the best insurance rate in Las Vegas with Safeco, Nationwide, USAA, and Allied also being competitive. This example demonstrates why it is critical to compare many different companies when trying to find the lowest auto insurance quotes for a Hyundai Elantra. Rates are determined by many different factors and can change without notice, so the most economical option the last time you checked may now be costing you a lot of money.
How to find the cheapest auto insurance for a Hyundai Elantra
Lowering your rates is not difficult, and here are some of the better thrifty ideas that can help you buy low-cost coverage.
- Do not file small claims
- Safer vehicles cost less to insure
- Good credit can mean cheaper rates
- Just one traffic violation will increase your rates
- Prevent price hikes by avoiding at-fault accidents
- Keep rates low by shopping around frequently
The last idea is remarkably vital, as was emphasized in the article above. Car insurance rates go up and down frequently, so drivers shouldn’t be reluctant to change insurance companies if a lower-cost policy is available.
Brand loyalty is not necessarily bad, but it’s not recommended if that stubbornness costs you money that could be spent on other things. Take a couple minutes and shop around to find cheaper auto insurance for a Hyundai Elantra in Las Vegas.
The agents shown below can most likely aid you in deciding which car insurance policy is best, since lots of people like to have the advice of a professional agent when trying to find the best insurance rates for an Elantra. It can be difficult to do it yourself, and insurance agents licensed in the state of Nevada can provide comfort knowing your coverage gives you sufficient coverage at claim time.
To locate an agency near you, click the link at the bottom.
Red Rock Insurance
1958 Village Center Cir #5 – Las Vegas, NV 89134 – (702) 733-0330
Family Trust Insurance, LLC
6420 W Spring Mountain Rd #20 – Las Vegas, NV 89146 – (702) 212-3838
6070 S Eastern Ave #400 – Las Vegas, NV 89119 – (702) 456-1400