Who Has the Cheapest Auto Insurance for a Hyundai Elantra in Houston?

Finding the cheapest car insurance for a Hyundai Elantra in Texas doesn’t take a lot of effort, but it is dependent upon an enormous amount of rating factors such as whether you use your Elantra for business use, your credit history, and your policy deductibles. Texas drivers will pay on average $868 annually to insure their Elantra, but that is an approximation based upon a 50-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.

There’s a good chance you’re not a 50-year-old male, maybe you are married instead of single, or maybe your Elantra doesn’t need full coverage. This example demonstrates why the best method for finding the cheapest insurance price for your Hyundai is to do a thorough rate comparison.

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The trim level of your vehicle can impact the annual cost of coverage, so the rate you will pay to insure a Elantra GLS Touring Station Wagon model will be $78 less expensive the cost to insure the more expensive Elantra SE Touring Station Wagon version, as shown in the table below.

Hyundai Elantra Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $136 $264 $366 $22 $110 $898 $75
Elantra Blue 4-Dr Sedan $136 $378 $430 $26 $128 $1,098 $92
Elantra GLS 4-Dr Sedan $156 $378 $430 $26 $128 $1,118 $93
Elantra SE 4-Dr Sedan $156 $378 $430 $26 $128 $1,118 $93
Elantra SE Touring Station Wagon $156 $322 $366 $22 $110 $976 $81
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in specific garaging location which can modify coverage rates significantly.

Trying to find cheap insurance is tough enough, and finding out which company offers the best car insurance rates for a Hyundai Elantra will require even more shopping around. Every car insurance company uses a slightly different approach for filing rates in each state, so we’ll take a look at the car insurance companies with the most affordable rates in Houston, TX.

It’s a good idea to be aware that Houston, TX car insurance rates are impacted by many factors that can increase the cost of your policy. This price variability is why Houston drivers need to shop around with many companies to find the lowest car insurance rates for a Hyundai Elantra. Auto insurance prices are impacted by many factors and change frequently, so the most economical company three years ago may now be one of the more expensive options.

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,128
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,294
5 Esurance $1,379
6 California Casualty $1,438
7 State Farm $1,450
8 Mercury $1,476
9 Nationwide $1,538
10 Safe Auto $1,597
11 Progressive $1,664
12 Allstate $1,667
13 Amica $1,705
14 Home State $2,134
15 GEICO $2,156
16 MetLife $2,249
17 Unitrin $2,264
18 Encompass $2,324
19 21st Century $2,396
20 Titan $2,646
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Travelers generally has some of the most affordable car insurance rates in Houston at around $1,010 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Houston, TX insurance companies.

As shown above, if you are insured with Esurance and switched to USAA, you may see savings of about $251. Texas drivers with California Casualty could save as much as $310 a year, and State Farm insureds might reduce prices by as much as $322 a year.

Understand that those policy rates are averaged across all types of drivers and the different vehicles they drive and are not factoring in an exact location for a Hyundai Elantra. So the insurer that is best for you may not even be in the top 23 companies shown above. That affirms the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.

The diagram below demonstrates how choosing different deductibles can increase or decrease insurance premiums when trying to find cheap insurance for a Hyundai Elantra. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied.

The chart above illustrates that a 50-year-old driver could pocket $310 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $468 by using a $1,000 deductible. Even younger insureds, like the 20-year-old category, could drop their prices $772 each year by selecting a higher deductible.

If you make the decision to raise deductibles, it will now be necessary to have additional funds in a savings account to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.

The importance of shopping around

Houston car insurance rates are impacted by many things that may substantially change the cost of a policy. Getting older, buying a home instead of renting, or getting a driving violation can trigger price changes that can cause some rates to be more affordable than competitors. Not only may things change on your end, but insurance companies change the rates they charge in Texas as needed to ensure their profitability. Higher than normal claim frequency or severity can result in additional price hikes, while less frequent claims can produce cheaper Elantra insurance rates.

As an example, the graph below shows which companies have the cheapest car insurance in Houston, TX for a 45-year-old female driver with no prior claims, no tickets, and good financial standing. If we estimate rates based on her current situation, Travelers might offer the most affordable car insurance rates in Houston at $1,310 per year. This is $594 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest Houston, TX auto insurance companies.

Now we will pretend the driver in the first chart a couple of claims, a lower credit rating, and a speeding ticket. Because every insurance company has their own guidelines for determining rates in each state, comparing insurance quotes could result in a slightly different list of affordable Houston car insurance companies as shown below.

State Farm now has the cheapest car insurance in Houston, TX with Mercury, USAA, Safe Auto, and Nationwide now being in the top five. This example illustrates why it is important to perform an extensive rate comparison when trying to find the lowest car insurance quotes for a Hyundai Elantra. Prices can be determined by many things and can change substantially, so the cheapest rate the last time you checked may now not even be in the top five.

If you wish to get some help when comparing insurance rates for a Hyundai Elantra, the agents listed below are a good start to help you decide which policy is best.

To find an auto insurance agency near you, click the button below the list.

Hallmark Insurance Agency Inc
12337 Jones RdHouston, TX 77070(281) 894-8200

Allrisc Insurance Agency
6918 Corporate DrHouston, TX 77036(713) 771-6000

Texas General Insurance Agency
2500 West Loop S #210Houston, TX 77027(713) 622-5977

Jason Jimenez Insurance Agency
8323 Southwest Fwy #390Houston, TX 77074(713) 270-0073

Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107Houston, TX 77062(281) 486-9100

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Tips for finding budget-friendly auto insurance for a Hyundai Elantra

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching suggestions that can help Houston drivers find low-cost auto insurance.

The last tip in the list is notably critical, as was discussed in this piece. Prices charged by companies in Houston vary greatly, so drivers shouldn’t hesitate to buy from a new company if a cheaper price is available. Being loyal to a particular company is commendable, but it’s not a great idea if that devotion results in you overpaying lots of hard earned cash every month. In less than five minutes you could compare prices and find cheaper auto insurance for a Hyundai Elantra.