Best Rates for Hyundai Elantra Insurance in San Francisco

Discount Hyundai Elantra insuranceFeeling guilty for buying an expensive car insurance policy? Don’t sweat it because there are lots of people in the same boat.

Astonishing but true according to a recent study, almost 70% of insureds kept buying from the same company for well over three years, and roughly 40% of drivers have never compared car insurance rates at all. Consumers in California can save hundreds of dollars each year, but they just assume it’s a time-consuming process to find lower-cost car insurance rates. Multiple insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest rate on Hyundai Elantra insurance in San Francisco.

The quickest way to compare insurance rates from multiple companies is to know most of the bigger providers will pay a fee to compare their rates. The only thing you need to do is provide a little information including daily mileage, if the vehicle is leased, driver details, and how your vehicles are used. Your details is instantly sent to insurance carriers in your area and you should receive rate quotes with very little delay.

If you would like to start a quote now, click here and complete the form.

The providers in the list below offer quotes in San Francisco, CA. If multiple providers are shown, we suggest you compare several of them to get a more complete price comparison.

Rates and information analytics

The coverage information shown next showcases different insurance premium costs for Hyundai Elantra models. Learning more about how policy rates are figured can be useful when making smart choices when purchasing an insurance policy.


Hyundai Elantra Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $142 $246 $354 $20 $106 $868 $72
Elantra Blue 4-Dr Sedan $142 $354 $416 $24 $124 $1,060 $88
Elantra GLS 4-Dr Sedan $162 $354 $416 $24 $124 $1,080 $90
Elantra SE 4-Dr Sedan $162 $354 $416 $24 $124 $1,080 $90
Elantra SE Touring Station Wagon $162 $300 $354 $20 $106 $942 $79
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in specific location information which can impact premiums greatly.

Insurance deductibles

When buying insurance, a common question is what deductibles to buy. The following tables can help show the differences in price of buying low and high policy deductibles. The first set of prices uses a $100 deductible and the second rate table uses a $500 deductible.


Hyundai Elantra insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $332 $564 $376 $22 $112 $1,431 $119
Elantra Blue 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Elantra GLS 4-Dr Sedan $380 $810 $442 $26 $132 $1,815 $151
Elantra SE 4-Dr Sedan $380 $810 $442 $26 $132 $1,815 $151
Elantra SE Touring Station Wagon $380 $686 $376 $22 $112 $1,601 $133
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Hyundai Elantra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $242 $382 $376 $22 $112 $1,134 $95
Elantra Blue 4-Dr Sedan $242 $546 $442 $26 $132 $1,388 $116
Elantra GLS 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Elantra SE 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Elantra SE Touring Station Wagon $278 $464 $376 $22 $112 $1,252 $104
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific zip code location which can alter rates greatly.

We can derive from the above data that using a $100 deductible costs roughly $29 more each month or $348 each year averaged for all Elantra models than buying the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 14 months between claim filings, you would probably come out ahead if you opt for a higher deductible. Here is a better example of how this calculation is made.

Average monthly premium for $100 deductibles: $140
Average monthly premium for $500 deductibles (subtract): – $111
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One thing to be aware of is that higher deductibles means you pay more out-of-pocket when you have a claim. It will be required that you have enough savings in the event you have to pay the higher deductible in order to repair your vehicle.

The information below highlights how deductible choice and can impact Hyundai Elantra insurance costs for different categories of driver ages. The prices are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

Bad driving habits will cost you more

The example below demonstrates how citations and at-fault collisions raise Hyundai Elantra auto insurance costs for different categories of driver ages. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Do you need full coverage?

The example below visualizes the comparison of Hyundai Elantra car insurance rates with and without full coverage. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to eliminate full coverage

There is no set guideline of when to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Hyundai Elantra book value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying your policy deductible. If you are paying over $600 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some conditions where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Choosing the best Hyundai Elantra insurance in California is an important decision

Even though San Francisco Elantra insurance rates can get expensive, buying car insurance is required by state law in California and it also provides benefits you may not be aware of.

The benefits of having car insurance are definitely more than the cost, especially with large liability claims. Today the average American driver is overpaying over $830 a year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are competitive.

How Insurance Companies Determine Hyundai Elantra Insurance Rates

Multiple criteria are considered when pricing auto insurance. Some are obvious such as your driving record, but some are not as apparent like where you live or your financial responsibility. Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. When consumers understand what determines premiums, this empowers consumers to make smart changes that may reward you with big savings.

One last thing about your coverage

You just read a lot of information how to save on Hyundai Elantra insurance in San Francisco. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding inexpensive San Francisco auto insurance quotes. Consumers may even find the best premium rates are with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

When getting San Francisco auto insurance quotes online, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured cut liability coverage limits only to regret at claim time that it was a big mistake. Your objective should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Steps to finding affordable Hyundai Elantra insurance in San Francisco

If saving the most money is your goal, then the best way to get the cheapest Hyundai Elantra insurance in San Francisco is to start comparing rates regularly from insurance carriers who provide auto insurance in California. You can compare prices by following these guidelines.

Step 1: Try to learn about how your policy works and the changes you can make to prevent high rates. Many factors that cause high rates such as tickets, at-fault accidents, and poor credit history can be eliminated by making small lifestyle or driving habit changes.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple insurance companies. View companies

Step 3: Compare the new rates to your existing coverage to see if a cheaper price is available in San Francisco. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.

Step 4: Provide notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application to the new company. Once coverage is bound, keep your new proof of insurance certificate somewhere easily accessible.

The key thing to know about shopping around is to use identical limits and deductibles on every quote and and to look at as many different insurance providers as possible. This helps ensure an accurate price comparison and maximum price selection.

Much more information about car insurance in California is available at these links: