Buying cheaper coverage for a Hyundai Elantra in Arizona is normally pretty easy, but it hinges on many different factors such as how far you drive to work, your occupation, and citations or violations on your driving record. Drivers in Arizona pay on average $652 each year to insure their Elantra, but that amount is an approximation calculated using a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a high likelihood that you are not 30 years old and maybe not even male, possibly single instead of married, and maybe your Elantra is older and does not require full coverage. Even a slight difference in rating factors or requested coverage amount could end up with a large change in the policy rate.
There is no perfect policy for every driver, so the only real way to find cheap auto insurance rates for your Hyundai is to put in the effort to do a thorough rate comparison. It takes less than five minutes and you can get rates from some of the cheapest companies that insure vehicles in Arizona.
The trim level of your Elantra will most likely have an effect on the cost of coverage, so the rate you will pay to insure a Elantra GLS Touring Station Wagon trim level will be $64 cheaper than the insurance cost for the higher-priced Elantra SE Touring Station Wagon trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$124||$202||$254||$16||$76||$672||$56|
|Elantra Blue 4-Dr Sedan||$124||$290||$300||$18||$90||$822||$69|
|Elantra GLS 4-Dr Sedan||$144||$290||$300||$18||$90||$842||$70|
|Elantra SE 4-Dr Sedan||$144||$290||$300||$18||$90||$842||$70|
|Elantra SE Touring Station Wagon||$144||$246||$254||$16||$76||$736||$61|
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific Scottsdale garaging location which can affect coverage rates considerably.
Selecting the right auto insurance company is hard considering how many different insurance companies sell coverage in Arizona. The company rank data in the lists below could help you choose which auto insurers to look at comparing price quotes from. The rankings below include companies that insure vehicles across America, so smaller companies that only insure vehicles in Arizona are not included in these rankings.
Top 10 Large Auto Insurance Companies in Scottsdale Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Top 10 Large Auto Insurance Companies in Scottsdale Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The example below illustrates how choosing a deductible can affect insurance costs when quoting cheap insurance for a Hyundai Elantra. Data assumes a married female driver, comp and collision included, and no policy discounts are applied.
A 50-year-old driver could pocket $266 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $400 by using a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could lower their rates up to $662 annually just by choosing higher deductibles.
If you do decide to increase your deductibles, it is important to have emergency funds available to offset the extra out-of-pocket expense that is associated with using high deductibles.
Violations and accidents raise rates
The obvious way to receive the cheapest auto insurance rates for an Elantra is to pay attention while driving and not have accidents or get tickets. The illustration below demonstrates how traffic citations and at-fault fender-benders can influence car insurance costs for different categories of driver ages. The data assumes a single male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,263. Receive two speeding tickets and the average cost rises to $1,660, an increase of $397 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Hyundai Elantra goes up to an average of $3,322. That’s an increase of $2,060, or $172 per month, just for being a careless driver!
Who has the cheapest Elantra insurance?
Scottsdale auto insurance rates are influenced by many factors that may substantially change your annual premium. Turning one year older, buying higher coverage limits, or having a fender bender can produce rate changes that can cause some rates to be cheaper than competitors.
Additionally, companies modify rates at least once a year to reflect underwriting profits or losses. An extended period of higher than normal claims can cause price increases, while a better loss history may result in lower-cost Elantra insurance rates.
The chart below shows the company with the cheapest car insurance in Scottsdale, AZ for a 40-year-old male driver with no prior claims, no tickets, and excellent credit. If we look at prices based on his personal risk profile, The Hartford quotes the lowest car insurance rates in Scottsdale at $1,152 each year. This is $276 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are also on the list of the best Scottsdale, AZ auto insurance companies.
The chart below compares rates after we give the driver from the first example a chargeable claim, slightly worse credit, and a blemish on his driving record. Since every car insurance company uses a different method to determining premium rates, comparing prices could result in a completely different list of the cheapest Scottsdale car insurance companies as shown below.
GEICO now has the best car insurance rate in Scottsdale, AZ with CSAA, Ameriprise Group, Allied, and Safeco now rounding out the top five. This example demonstrates why it is important to take the time to shop around when trying to get cheap auto insurance rates for a Hyundai Elantra.
Rates can be determined by many factors and change substantially, so the best option a year ago may now be wasting a lot of money.
How to find cheaper auto insurance for a Hyundai Elantra
It is possible to find better rates, and here are some of the recommended money-saving suggestions that can help Scottsdale drivers locate more affordable car insurance.
- Increase the comprehensive and collision deductibles on your policy
- Buy safe vehicles
- Do not pay for comprehensive and collision coverage on older vehicles
- Avoid speeding and other traffic citations and pay less
- Increase your credit rating
- Remain accident-free and save
- Shop around once a year for cheaper rates
The last idea is remarkably crucial, as was emphasized in this piece. Insurance rates in Scottsdale can change in a short period of time, so don’t hesitate to switch to a new company if a better rate can be found.
Having a favorite company is great, but it’s not recommended if that loyalty results in overpaying hundreds of dollars a year. It takes less than five minutes to shop around to find cheaper car insurance for a Hyundai Elantra.
If you prefer to get some professional input when trying to find lower insurance rates for an Elantra, the insurance agencies below can help you make a decision which coverage meets your needs best. To locate a Scottsdale car insurance agency using an interactive map, click the button at the bottom of the list or click here to get price quotes now.
Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889
13802 N Scottsdale Rd #106 – Scottsdale, AZ 85254 – (480) 607-7537
JVP Insurance Agency
10025 E Dynamite Blvd – Scottsdale, AZ 85262 – (480) 473-3100
Denise Knobbe – State Farm Insurance Agent
10814 N Scottsdale Rd – Scottsdale, AZ 85254 – (480) 905-1019
Jim Wurbel – State Farm Insurance Agent
10789 N 90th St Ste 101 – Scottsdale, AZ 85260 – (480) 860-1090