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

Our editors always tell us that when writing about car insurance, the words “affordable” or “cheap” really should not be used anywhere to describe car insurance prices. Regardless, cheap car insurance for a Hyundai Elantra is just plain contradictory. Don’t let that get you down, though, because we are going to show you how you can get coverage that doesn’t cost an arm and a leg.

The chances of finding affordable car insurance for a Hyundai Elantra in Idaho hinges on a complex rating formula that takes into consideration things such as if you own your home, where your vehicle is garaged, and any prior driving offenses. Drivers pay on average $740 a year to buy Hyundai Elantra insurance, but that rate is a ballpark figure using rating data for a 30-year-old married male driver that wants both comprehensive and collision coverage and $100 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you are not 30 years old and maybe not even male, single instead of married, and you don’t want the same coverages and limits as the example. The different assumptions illustrate why the best way to quote affordable rates for your Hyundai is to just compare rates yourself. Rate quotes are easy and you will be able to see rates from some of the cheapest companies around.

Find Cheaper Hyundai Elantra Insurance

Your Hyundai’s trim level will have an impact the cost of coverage, so the rate you pay to insure a Elantra GLS Touring Station Wagon will be $92 lower than the price to insure the high end Elantra SE Touring Station Wagon trim level, as shown in the prices below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Idaho minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in Idaho location which can impact coverage rates noticeably.

Ending up with a good quality insurer can be a challenge considering how many companies there are in Idaho. The information below may help you select which companies you want to consider when comparing rate quotes.

The ratings below are for the largest companies in the United States, so companies that only write business in Idaho or surrounding areas are not factored into this list. If you’d like to compare prices from many more Idaho auto insurance companies, click here.

Top 10 Major Auto Insurance Companies Overall in Idaho

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Top Companies for Hyundai Elantra Insurance in Idaho

Should you buy full coverage?

Finding the cheapest insurance for a Hyundai Elantra in Idaho is probably important to most drivers, and one great way to reduce the cost of insurance is to buy liability only. The diagram below shows the difference between insurance prices with and without full coverage. The data assumes a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no policy discounts are applied.

Averaged for all age groups, physical damage coverage costs $1,407 per year more than just insuring for liability. That proposes the question when is it safe to stop buying full coverage. There is no specific rule for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

Responsible drivers pay cheaper Idaho car insurance rates

A great way to maintain the cheapest insurance for a Hyundai Elantra in Idaho is to drive cautiously and maintain a clean driving record. The diagram below demonstrates how citations and accident claims can affect auto insurance rates for different age categories. Data assumes a single female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of auto insurance in Idaho per year with no accidents or violations is $1,168. Receive one speeding ticket and the average cost hikes up to $1,325, an increase of $157 each year. Now get two accidents along with the one speeding ticket and the yearly cost of car insurance for a Hyundai Elantra jumps again to an average of $2,788. That’s an increase of $1,620, or $135 per month, just for not being a responsible driver!

Allstate, State Farm, Progressive, or Geico: Which is best?

If you’re looking for the cheapest auto insurance, probably the best companies to start with are Allstate, State Farm, Progressive, and Geico. The next table compares and contrasts price, claims, and customer service ratings, as well as some optional coverages .