Who Has Cheap Insurance Quotes for a Hyundai Elantra in Florida?

Our content editors always give us grief that when writing about auto insurance, the word affordable should not be used anywhere in the article to describe car insurance prices. It’s just reality that cheap car insurance for a Hyundai Elantra is not easy to find. But don’t despair, because there may be ways you can find and buy coverage that is considered budget-friendly.

Your chances of buying the best cheap insurance for a Hyundai Elantra in Florida is dependent upon lots of different rating factors like whether you are married or single, your credit rating, and any past driving violations you may have had. Drivers in Florida pay approximately $790 per year for Elantra insurance, but that amount is a ballpark figure calculated using a 50-year-old married female who requires full comprehensive and collision coverage and $1,000 policy deductibles.

There is a good chance you are not a 50-year-old female, possibly single instead of married, or you just prefer to insure for liability only. This example demonstrates why the only way to find cheap auto insurance rates for your Hyundai is to put in the effort and compare rates. Comparing quotes is easy and you will be able to see rates from some of the most affordable companies that insure vehicles in Florida.

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The specific trim level will most likely have an effect on the cost of coverage, so the price to insure a Elantra GLS Touring Station Wagon will be $70 less than the price to insure the higher-priced Elantra SE Touring Station Wagon model, as shown in the chart below.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in vehicle location which can increase or decrease price quotes substantially.

Florida car insurance companies ranked

Choosing the highest-rated car insurance provider can be challenging considering how many choices drivers have in Florida. The ranking information listed below can help you decide which auto insurance companies to look at when buying insurance for a Hyundai Elantra.

These rankings only include companies that write coverage in many states, so smaller companies that only insure vehicles in Florida are not factored into these rankings. To view rates from many more Florida auto insurance companies, just click here.

Top 10 Major Auto Insurance Providers in Florida Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 Major Auto Insurance Providers in Florida Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

Top Companies for Hyundai Elantra Insurance in Florida

Drive responsibly or pay higher rates

The common sense way to get cheap car insurance prices for an Elantra is to drive safely and avoid accidents and traffic violations. The illustration below demonstrates how citations and fender-benders influence insurance rates for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4113,4461,5463],[‘Age 30’, 2137,2489,3491],[‘Age 40’, 2057,2403,3405],[‘Age 50’, 1881,2233,3231],[‘Age 60’, 1847,2199,3199],[‘Age 70’, 2133,2485,3481]]);var options = {title: ‘Impact of Tickets and Accidents on Florida Hyundai Elantra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Elantra in Florida’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of auto insurance per year with no accidents or violations is $2,361. Receive one speeding ticket and the average cost hikes up to $2,712, an increase of $350 each year. Now get one accident along with the one speeding ticket and the annual cost of car insurance for a Hyundai Elantra jumps again to an average of $3,712. That’s an increase of $1,350, or $113 per month, just for not driving safely!

Discounts on cheap insurance for a Hyundai Elantra in Florida

Car insurance companies that offer cheap quotes for a Hyundai Elantra may additionally offer price discounts that may potentially lower prices by 40% or more if you are eligible for them. A few of the larger companies and some of the discounts are detailed below.

The chart below illustrates the difference between car insurance rates with and without policy discounts. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, multiple vehicle, safe-driver, defensive driving course, marriage, and anti-theft discounts applied. With discounts applied, the the average yearly reduction on car insurance for a Hyundai Elantra is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4187,3003],[‘Age 30’, 2135,1543],[‘Age 40’, 2117,1529],[‘Age 50’, 1931,1395],[‘Age 60’, 1873,1351],[‘Age 70’, 2313,1663]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Hyundai Elantra’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Elantra’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to get cheap insurance for a Hyundai Elantra in Florida

Below you’ll find some of the recommended money-saving solutions that can help Florida drivers get cheap coverage.

• Do not get tickets or violations
• At-fault accidents can raise rates significantly
• Don’t have frequent claims
• Raise physical damage deductibles
• Higher credit ratings may save you money
• Bundle home and auto and save
• Look for cheaper rates once a year by shopping around

The last tip in the list is extraordinarily necessary, as was noted in the article above. Insurance prices can change considerably based on profitability, so drivers shouldn’t hesitate to buy a different policy if a cheaper rate is available. Sticking with a specific company is fine, but we do not recommend it if it’s costing you a fortune every year. It only takes a couple minutes to shop around to find cheaper auto insurance for a Hyundai Elantra.

Allstate, State Farm, Progressive, and Geico: Who is best?

When researching insurance for an Elantra, four companies to definitely compare rates with are Allstate, State Farm, Progressive, and Geico. If you add them together, they insure nearly half of all policies written. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a distinct set of features and optional coverages that drivers can select from. The following table rates some of the different options and features shoppers can expect to find with each one.

Who has the cheapest Hyundai Elantra insurance quotes?

Drivers have a lot of different ways to get affordable car insurance quotes in Florida, but the three most common ways are through an exclusive insurance agency such as State Farm or Auto-Owners, an independent or non-exclusive agent, or buying direct from a company like Progressive or Geico. You can use whichever method you prefer, but buyers should know the differences in how they provide rate quotes.

Independent insurance agents have contracts with multiple insurance companies and can provide price quotes from every one. They can sell policies from many different companies and can give you a larger rate selection, which may provide you with the best idea of how your rates compare. If they quote lower rates, the agent simply finds a different carrier which requires no work on your part.

An exclusive ageny is only able to write business for a single insurance company, two examples being Farmers Insurance or State Farm agents. Exclusive agents cannot give you multiple price quotes, so you will not be able to compare their rates to other companies.

If you buy direct, you skip local insurance agents and instead shop direct either online or via phone. This option can be good for people who do not have complex finances and know what coverages, limits, and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best to buy cheap insurance for a Hyundai Elantra in Florida? It would be obvious to point out shopping direct results in the best prices since there isn’t an agent involved, but unfortunately, it’s not that simple. A valid argument could also be made that an independent agency guarantees the lowest rates since they have more companies to choose from, but that assumption is also not accurate. In some circumstances, the exclusive agents may have very competitive prices that are well below what direct and independents offer.

Because of the variability of car insurance rates, the only real way to buy the cheapest coverage is to get quotes and compare. In a perfect world, youll get price quotes from independent, exclusive, and direct to have enough rates to compare. To see some of the cheapest online companies available, click here to view.