Finding economical auto insurance for a Hyundai Elantra in Texas relies on a lot of factors such as whether you own a home, your geographic location, and your choice of physical damage deductibles. Texas drivers will pay on average $1,140 annually for Elantra insurance, but that amount is an estimation calculated based on a 40-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
It’s more than likely you may not be 40 years old (or even male), maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. There is no perfect policy for every driver, so the only way to find the cheapest rates for your Hyundai is to put in the effort to do a thorough rate comparison.
The trim level of your Elantra will be a contributing factor to price, so the rate you pay to insure a Elantra GLS Touring Station Wagon trim level will be $134 cheaper than the insurance cost for the higher-end Elantra SE Touring Station Wagon model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $260 | $448 | $334 | $20 | $100 | $1,162 | $97 |
| Elantra Blue 4-Dr Sedan | $260 | $642 | $392 | $24 | $118 | $1,436 | $120 |
| Elantra GLS 4-Dr Sedan | $298 | $642 | $392 | $24 | $118 | $1,474 | $123 |
| Elantra SE 4-Dr Sedan | $298 | $642 | $392 | $24 | $118 | $1,474 | $123 |
| Elantra SE Touring Station Wagon | $298 | $544 | $334 | $20 | $100 | $1,296 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in garaging location in Corpus Christi which can alter insurance rates substantially.
Which auto insurance company is best in Texas?
Ending up with a highly-rated company can be rather challenging considering how many different companies insure vehicles in Corpus Christi. The rank data listed below could help you select which insurers you want to consider shopping your coverage with.
These ratings include large insurance companies, so smaller regional companies are not included in the list. If you wish to compare prices from these and other competitive companies, follow this link.
Top 10 Large Auto Insurers Overall in Corpus Christi
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Large Auto Insurers in Corpus Christi Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Drive responsibly or pay higher rates
The easiest way to snag cheap auto insurance rates in Texas for an Elantra is to be a careful driver and avoid at-fault accidents and violations. The illustration below demonstrates how speeding tickets and at-fault fender-benders influence insurance costs for different categories of driver ages. Data assumes a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
The chart shows that the average cost of auto insurance in Texas per year with a clean driving record and no accidents is $2,143. Factor in two speeding tickets and the average cost jumps to $2,874, an increase of $731 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Hyundai Elantra increases to an average of $5,658. That’s an increase of $3,515, or $293 per month, just for not driving safely!
Does it make sense to buy full coverage?
Reducing the cost of auto insurance is important to most people, and one way to pay lower rates for insurance for a Hyundai Elantra is to only buy liability coverage. The diagram below visualizes the comparison of auto insurance costs with liability coverage only compared to full coverage. The rate quotes are based on no claims, a clean driving record, $1,000 deductibles, single marital status, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs an additional $1,964 per year more than insuring for liability only. That raises the question if you should buy full coverage at all. There is no exact rule to stop paying for full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your vehicle’s replacement value is $5,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,500 after paying your deductible. If it’s costing in excess of $450 annually to have full coverage, then you might want to think about dropping full coverage.
The agents listed below can probably help you determine which auto insurance policy fits you best, as some drivers wish to get some help when shopping for the best coverage for an Elantra. It’s not always easy to find the best coverage on your own, and getting advice from a licensed Texas insurance agent can provide you peace of mind knowing your policy gives you adequate asset protection. To locate an agency close to you, click the button at the bottom.
- Moore Insurance Agency
500 N Water St #702 – Corpus Christi, TX 78401 – (361) 991-9000 - Ray Paiz – State Farm Insurance Agent
5425 S Padre Island Dr #122 – Corpus Christi, TX 78411 – (361) 993-3553 - Hochheim Prairie Insurance
4646 Corona Dr – Corpus Christi, TX 78411 – (361) 814-1097
More insurance agents in Corpus Christi, TX
How to find the cheapest insurance for a Hyundai Elantra
Here are many penny-pinching solutions that can help Corpus Christi drivers find cheaper coverage.
- Drive vehicles with five-star safety ratings
- Save money by insuring your home and auto with the same company
- Avoid accidents and claims
- Clean up your credit
- Do not pay for comprehensive and collision coverage on older vehicles
- Compare rates and switch if you can find a better deal
The last tip in the list is highly vital, as we stressed in this piece. Car insurance rates can be modified anytime, so don’t be afraid to buy a different policy if a lower price can be found. Staying with the same car insurance company is fine, but it’s not a great idea if that inflexibility results in costing you big bucks every year. Take a few minutes and shop around and find cheaper auto insurance for a Hyundai Elantra in Corpus Christi.