How Much is Auto Insurance for a Hyundai Elantra in Santa Ana?

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Finding cheap coverage for a Hyundai Elantra is pretty easy for most people, but it hinges on a lot of factors such as your marital status, where you live, and driving citations. Drivers will pay on average $1,129 each year to insure their Elantra, but that is a projection based on a 30-year-old single male driver with full coverage and $1,000 deductibles.

But there is a high likelihood that you're not a 30-year-old male, married instead of single, or maybe you don't qualify for the same discounts. Having what appears to be a very minor change in rating variables can result in a massive change in the policy cost.

Each driver's needs are different, and that demonstrates why the way we recommend to find cheap insurance prices for your Hyundai is to do the rate comparisons yourself.

Cheapest Hyundai Elantra Insurance Rates

The trim level of your vehicle will be a contributing factor to price, so the price to insure a Elantra GLS Touring Station Wagon model will cost $94 less than the price to insure the more well-appointed Elantra SE Touring Station Wagon version, as shown below.

Hyundai Elantra Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $210 $298 $492 $30 $148 $1,178 $98
Elantra Blue 4-Dr Sedan $210 $426 $578 $34 $174 $1,422 $119
Elantra GLS 4-Dr Sedan $240 $426 $578 $34 $174 $1,452 $121
Elantra SE 4-Dr Sedan $240 $426 $578 $34 $174 $1,452 $121
Elantra SE Touring Station Wagon $240 $362 $492 $30 $148 $1,272 $106
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location information which can change premiums significantly.

Finding affordable car insurance is not the easiest thing to do, and determining which companies quote the cheapest insurance rates for a Hyundai Elantra will require even more work. Each insurer uses a little different formula for filing rates in each state, so let's rank the most budget-friendly insurance companies in Santa Ana, CA.

It's important that readers know that Santa Ana, CA insurance rates are based on many factors which can substantially change your annual premium. Events like turning one year older, buying a home, or having a fender bender can cause premium changes that may make certain companies more expensive than others.

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 Century National $1,226
4 Nationwide $1,226
5 CSAA $1,234
6 21st Century $1,366
7 Grange $1,477
8 Mercury $1,488
9 GEICO $1,529
10 Progressive $1,542
11 Allied $1,556
12 Allstate $1,559
13 The Hartford $1,591
14 MetLife $1,638
15 State Farm $1,682
16 Unitrin $1,750
17 Esurance $1,756
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $2,006
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USAA has some of the lowest car insurance rates in Santa Ana at around $1,121 annually. Wawanesa, Century National, Nationwide, and CSAA would also make the list of some of the best Santa Ana, CA car insurance companies.

As the example above demonstrates, if you are currently insured with Nationwide and switched to Wawanesa, you could earn yearly savings of around $45. Customers with CSAA could save as much as $53 a year, and 21st Century customers might cut rates by $185 a year.

Bear in mind that those premium estimates are averages across all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location for a Hyundai Elantra. So the car insurance company that fits your situation best may not even be in the top 24 companies shown above. That affirms the importance of why you need to get quotes using your own personalized driver profile and vehicle information.

Driving violations and accidents

One of the best ways to find low insurance prices for an Elantra is to drive carefully and not get tickets or have accidents. The example below demonstrates how speeding tickets and at-fault claims drive up insurance costs for each different age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of car insurance in California per year with a clean driving record and no accidents is $1,926. Receive one speeding ticket and the average cost rises to $2,219, an increase of $293 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Hyundai Elantra goes up to an average of $4,959. That's an increase of $3,033, or $253 per month, just for not maintaining a clean driving record!

Why are you paying too much to insure your Elantra?

Santa Ana, CA insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay for coverage. Turning one year older, buying a different home, or getting a driving violation may prompt premium changes that may make certain companies cheaper than competitors. Also, insurance companies change rates as often as every quarter to adjust for gains or losses. Unexpectedly high claims can result in additional price hikes, while a profitable period may result in cheaper Elantra insurance rates.

As an example, the data below compares the cheapest car insurance in Santa Ana, CA for a 40-year-old male driver with no prior accidents, a clean driving record, and good credit. If we estimate prices based on his current rating profile, USAA might quote the most affordable car insurance rates in Santa Ana at $1,268 each year. This is $383 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest Santa Ana, CA auto insurance companies.

Now let's give the driver from above an accident surcharge, a lower credit rating, and a traffic citation. Due to the fact that every auto insurer has their own guidelines for establishing rates, comparing insurance quotes most likely will result in a different list of the cheapest car insurance companies in Santa Ana as shown below.

Grange now has the cheapest car insurance in Santa Ana with Progressive, Allstate, Mercury, and GEICO completing the list. This example shows why it is important to perform an extensive rate comparison when trying to find cheap auto insurance rates for a Hyundai Elantra. Insurance prices are determined by many things and change frequently, so the best company when you last compared rates may now be quite expensive.

How to find low-cost insurance for a Hyundai Elantra

It's not impossible to find cheaper rates, and here are some money-saving solutions that can help Santa Ana drivers locate lower-cost auto insurance.

The last tip is extremely important, as we hit on in the prior article. Auto insurance rates change a lot, so drivers shouldn't be reluctant to buy a policy from a new company if you find a cheaper price.

Having brand loyalty is commendable, but is isn't recommended if that faithfulness ends up costing you hundreds of dollars a year. If you have a few minutes, shop around to find cheaper car insurance for a Hyundai Elantra in Santa Ana.