How Much Does Insurance Cost for a Hyundai Elantra in North Dakota?

Your chances of buying the cheapest coverage for a Hyundai Elantra in North Dakota is contingent on a complex equation that considers factors like whether you are a homeower, your geographic location, and blemishes on your driving record. Drivers in North Dakota pay an average of $660 each year to insure a Hyundai Elantra, but that rate is a ballpark figure based upon a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.

There is a good probability you are not a 30-year-old male, possibly single instead of married, and maybe your Elantra just needs liability-only coverage. Auto insurance rates are unique for each driver, so the only real way to find cheap auto insurance rates for your Hyundai is to put in the effort and compare rates. In just a couple of minutes you can get rates from some of the cheapest companies that sell coverage in North Dakota.

Cheapest Hyundai Elantra Insurance Rates

Your Hyundai’s trim level will be a contributing factor to price, so the rate you will pay to insure a Elantra GLS Touring Station Wagon trim level will be $62 cheaper than the cost to insure the higher-end Elantra SE Touring Station Wagon version, as shown in the chart below.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific zip code location which can influence premium rates significantly.

Establishing which insurers offer the cheapest auto insurance rates for a Hyundai Elantra calls for a little more effort in order to find the lowest price. Every car insurance company has their own formula for filing rates in each state, so let’s look at the rankings for the auto insurance companies with the most affordable rates in North Dakota.

We do need to point out that North Dakota auto insurance rates are influenced by many factors that control the cost of your policy. Improving your credit score, moving to a new city, or getting a driving violation may cause policy rate changes that can make some companies more affordable than competitors.

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USAA may offer some of the best car insurance rates in North Dakota at around $725 per year. Allied, Nodak Mutual, Grinnell, and State Farm also rank well as some of the more affordable North Dakota auto insurance companies.

As shown in the table above, if you currently have coverage with Grinnell and switched to USAA, you might achieve a yearly savings of in the neighborhood of $303. Customers with State Farm could save as much as $429 a year, and Safeco insureds might cut rates by $431 a year.

These premiums are averaged for all ages of drivers and types of vehicles and and are not figured with a specific rate value for a Hyundai Elantra. So the car insurance company that can offer you the lowest price may not even be included in the rate chart shown above. That is why you need to compare rates from multiple companies using your own driver data and vehicle information.

Get discounts on North Dakota car insurance rates

Insurance providers that sell cheap insurance for a Hyundai Elantra in North Dakota may also offer price discounts that could reduce prices by 35% or more if you meet eligibility requirements. Larger auto insurance companies and the discounts they provide can be read below.

• Travelers offers premium reductions for early quote, multi-car, new car, hybrid/electric vehicle, and driver training.
• 21st Century may include discounts for air bags, early bird, anti-lock brakes, defensive driver, and homeowners.
• State Farm offers discounts including anti-theft, student away at school, safe vehicle, multiple policy, and multiple autos.
• GEICO has savings for defensive driver, seat belt use, multi-policy, federal employee, and good student.
• SAFECO may offer discounts for safe driver, multi-car, drive less, teen safety rewards, anti-lock brakes, homeowner, and bundle discounts.
• AAA may have discounts that include multi-policy, AAA membership discount, education and occupation, good driver, and anti-theft.

The diagram below illustrates the difference between insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no claims or driving citations, North Dakota state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, homeowner, safe-driver, accident-free, defensive driving course, and marriage discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Hyundai Elantra is 28% or $444.

Violations and accidents raise rates

The common sense way to snag the most affordable auto insurance premiums in North Dakota for an Elantra is to pay attention while driving and avoid accidents and keep your driving record clean. The chart below demonstrates how citations and accident claims influence car insurance costs for different age groups. The rate quotes are based on a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.

The data above shows the average cost of an auto insurance policy in North Dakota per year with no accidents and a clean driving record is $1,913. Factor in one speeding ticket and the average cost surges to $2,168, an increase of $255 each year. Then add two accidents along with the one speeding ticket and the annual cost of auto insurance for a Hyundai Elantra goes up to an average of $4,332. That’s an increase of $2,419, or $202 per month, just for not driving responsibly!

How to find low-cost insurance for a Hyundai Elantra

The list below summarizes some of the recommended penny-pinching ideas that can help North Dakota drivers quote the cheapest auto insurance.

• Avoid at-fault accidents and claims
• Frequent claims may make car insurance unaffordable
• Speeding tickets and other violations increase rates
• Buying home and auto together can help save money
• Raise your deductibles
• Good credit can mean cheaper rates
• Compare rates regularly and switch companies to save money

The final tip is highly important, as was affirmed in the prior article. Prices charged by auto insurers in North Dakota adjust often, so don’t be unwilling to buy a different policy if a cheaper rate is available. Brand loyalty is great, but it’s not a great idea if that loyalty ends up costing major coinage every year. Take a couple minutes and shop around to find cheaper insurance for a Hyundai Elantra.

Does Geico, Progressive, State Farm, or Allstate have the cheapest car insurance?

When comparing rates for insurance for an Elantra in North Dakota, some of the largest companies to start with are Geico, Progressive, State Farm, and Allstate. The next table shows some of the different options and features shoppers can expect to find with each one.