Who Has the Cheapest Insurance Quotes for a Hyundai Elantra in Kansas?

Our editors have a joke that when writing about auto insurance, the words “cheap” or “affordable” should never be used anywhere in the article to describe car insurance prices. It’s a simple fact that cheap car insurance for a Hyundai Elantra does not exist. But don’t let us ruin your dream, because we are going to show you some ways you can find and buy coverage that is cheaper than your current rate.

Your odds of finding cheap insurance for a Hyundai Elantra in Kansas relies on a lot of factors like whether or not your vehicle has good safety ratings, if you have prior claims, and your motor vehicle report. Drivers pay an average rate of $820 per year to buy Hyundai Elantra insurance, but that rate is a valuation assuming a 50-year-old single female that included full coverage and $250 policy deductibles.

But there is a good chance that you are not a 50-year-old female, married instead of single, or maybe your Elantra doesn’t need full coverage. There is no one cookie-cutter policy that works for everyone, so the only way to find the cheapest coverage for your Hyundai is to do the rate comparisons yourself. Comparing quotes is easy and you will be able to see rates from the cheapest companies in Kansas.

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Your vehicle’s trim level will likely have an effect on price, so the price you will be charged to insure a Elantra GLS Touring Station Wagon model will be $90 cheaper than the insurance cost for the higher-priced Elantra SE Touring Station Wagon model, as shown in the prices below.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in vehicle garaging location which can lower or raise premium rates greatly.

Shopping around for low-priced insurance is not the easiest thing to accomplish, and figuring out which company quotes the cheapest insurance rates for a Hyundai Elantra takes even more shopping around. Each auto insurer has their own process to set policy rates, so we’ll go over the insurance companies with the most affordable rates in Kansas.

It’s a good idea to know that Kansas insurance rates are impacted by many factors which can substantially decrease or increase the price of coverage. This price fluctuation is why it is crucial to shop around with many companies to get the best car insurance rates for a Hyundai Elantra. Rates are influenced by many things and change substantially, so the most affordable company a year ago may now be priced much higher than other options.

Cheap Insurance Rates for Your Hyundai

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USAA has some of the most affordable car insurance rates in Kansas at around $750 per year. The Hartford, Travelers, Auto-Owners, and Allied also qualify as some of the lowest-priced Kansas auto insurance companies.

As the rates illustrate above, if you are a customer of Travelers and switched to USAA, you could earn a yearly savings of upwards of $323. Drivers with Auto-Owners could save as much as $335 a year, and Allied policyholders might lower prices by $348 a year.

To find out how your current rates compare, click here to start your free quote or visit any of the low-priced companies below.

Be aware that those premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Hyundai Elantra. So the insurer that can offer you the best rate may not even be in the chart above. That underscores the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

Types of discounts on Kansas car insurance rates

Insurance providers that offer the cheapest insurance for a Hyundai Elantra in Kansas may provide special discounts that can lower rates by as much as 40% or more if you qualify for them. A list of companies and their offered discounts are shown below.

• Progressive offers discounts for homeowner, good student, multi-policy, continuous coverage, multi-vehicle, and online signing.
• AAA may include discounts for good driver, good student, multi-policy, anti-theft, multi-car, and pay-in-full.
• Farmers Insurance offers discounts including electronic funds transfer, teen driver, homeowner, multi-car, mature driver, pay in full, and good student.
• GEICO includes discounts for daytime running lights, driver training, anti-lock brakes, good student, military active duty, defensive driver, and air bags.
• Esurance policyholders can earn discounts including good driver, defensive driver, multi-policy, anti-theft, paid-in-full, anti-lock brakes, and DriveSense.
• SAFECO may have discounts that include accident prevention training, anti-theft, teen safety rewards, bundle discounts, homeowner, anti-lock brakes, and teen safe driver.
• State Farm has savings for passive restraint, good driver, Steer Clear safe driver discount, good student, student away at school, and Drive Safe & Save.

The example below illustrates the comparison of insurance rates with and without discounts applied to the policy rates. The data assumes a female driver, no accidents or driving violations, Kansas state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, multiple vehicle, safe-driver, vehicle safety, passive restraint, and claim-free discounts applied. When taking advantage of discounts, the the amount saved on insurance for a Hyundai Elantra is 28% or $430.

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Insurance rate increases from tickets or accidents

A great way to earn the most affordable insurance rates for an Elantra is to be a good driver and avoid tickets and accidents. The chart below highlights how traffic violations and at-fault accidents impact insurance costs for different age groups of insureds. Data assumes a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

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 Two Accidents’],[‘Age 20’, 2919,3137,5043],[‘Age 30’, 1507,1727,3633],[‘Age 40’, 1489,1707,3615],[‘Age 50’, 1357,1577,3485],[‘Age 60’, 1315,1533,3443],[‘Age 70’, 1619,1835,3745]]);var options = {title: ‘Violations, Accidents, and Kansas 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 Kansas’,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);}

The data charted above shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,701. Get written up for one speeding ticket and the average cost jumps to $1,919, an increase of $218 each year. Next 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 $3,827. That’s an increase of $2,126, or $177 per month, just for not being more responsible behind the wheel!

How to find the cheapest insurance for a Hyundai Elantra in Kansas

Here are some money-saving ideas that can help Kansas drivers find the cheapest coverage.

• Pay for small claims rather than turning them in to your insurance company
• Increase your deductibles
• Do not get into accidents that are your fault
• Drive safely
• On older vehicles, drop full coverage
• Compare prices frequently to find the best deal

That last idea is highly valuable, as we hit on in this article. Insurance rates fluctuate constantly, so don’t be tentative to buy from a different company if you can find a cheaper rate. Being loyal to a particular company is commendable, but it’s not a good idea if it’s costing you several hundred dollars every year. Now is a great time to compare prices to find cheaper insurance for a Hyundai Elantra.