Who Has Cheap Cincinnati Car Insurance for a Hyundai Elantra?

Finding competitive auto insurance for a Hyundai Elantra is pretty straightforward, but it relies on a whole bunch of factors such as your marital status, if you have recent claims, and citations or violations on your driving record. Drivers pay on average $493 each year to insure their Elantra, but that is an approximation based on a 30-year-old married male driver with full coverage and $1,000 deductibles.

But there is a high likelihood that you aren’t exactly 30 years old or even a male, maybe you are single instead of married, or maybe you rent instead of own your home. Not every driver requires the same auto insurance coverages, so the only way to find cheap insurance rates for your Hyundai is to put in the effort to do a thorough rate comparison. In just a couple of minutes you will be able to compare rates from some of the best insurers that offer coverage in Ohio.

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Vehicle trim level tends to have a direct effect on the cost of coverage, so the rate you will pay to insure a Elantra GLS Touring Station Wagon model will be $48 lower than the insurance cost for the high end Elantra SE Touring Station Wagon version, as shown in the prices below.

Hyundai Elantra Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $94 $152 $192 $12 $58 $508 $42
Elantra Blue 4-Dr Sedan $94 $220 $226 $14 $68 $622 $52
Elantra GLS 4-Dr Sedan $108 $220 $226 $14 $68 $636 $53
Elantra SE 4-Dr Sedan $108 $220 $226 $14 $68 $636 $53
Elantra SE Touring Station Wagon $108 $186 $192 $12 $58 $556 $46
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in Cincinnati location which can decrease or increase coverage prices noticeably.

Buying cheap insurance is not most people’s favorite thing to do, and determining which company quotes the most affordable car insurance rates for a Hyundai Elantra may require a bit more work. Every insurance company uses their own formula for establishing rates, so first let’s look at the rankings for the car insurance companies with the most affordable rates in Ohio.

It’s a good idea to know that Ohio car insurance rates are impacted by many things that may substantially change the price you have to pay for coverage. Simply getting older, getting divorced, or getting caught speeding can trigger rate changes resulting in some rates now being more affordable than others.

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Cheapest auto insurance in Ohio ranked by cost per year
Rank Company Cost Per Year
1 Utica National $647
2 Erie $667
3 Allied $676
4 Frankenmuth $687
5 Travelers $726
6 USAA $741
7 Cincinnati Insurance $756
8 Merchants Insurance Group $771
9 Motorists Mutual $800
10 General Casualty $805
11 Grange Mutual $812
12 Central Mutual $874
13 State Farm $885
14 Hastings Mutual $893
15 Atlantic States $913
16 Westfield $936
17 Progressive $953
18 Western Reserve $970
19 Nationwide $998
20 Auto-Owners $998
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Utica National may offer some of the lowest car insurance rates in Cincinnati at around $647 annually. Erie, Allied, Frankenmuth, and Travelers also are some of the cheapest Cincinnati, OH auto insurance companies.

In the above rates, if you are a customer of Travelers and switched to Erie, you could realize an annual savings of roughly $59. Insureds with USAA may save as much as $74 a year, and Cincinnati Insurance customers might lower prices by up to $89 a year.

To find the cheapest coverage for you, click here to get a free quote or click several companies below for low rates.

Understand that those rates are averages for all types of drivers and the different vehicles they drive and do not factor in a specific zip code for a Hyundai Elantra. So the car insurance company that has the cheapest price for you may not even be in the top 33 companies in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.

Driving violations and accidents

In a perfect world, the best way to find the cheapest car insurance premiums in Cincinnati for an Elantra is to drive attentively and avoid accidents and traffic citations. The example below shows how violations and at-fault collisions can influence insurance costs for different age groups of insureds. The premiums are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of an auto insurance policy in Ohio per year with no accidents and a clean driving record is $912. Add in one speeding ticket and the average cost surges to $1,059, an increase of $147 each year. Now add one accident along with the one speeding ticket and the yearly cost of car insurance for a Hyundai Elantra increases to an average of $1,475. That’s an increase of $563, or $47 per month, just for not maintaining a clean driving record!

The benefit of shopping around

Cincinnati, OH car insurance rates are based on many factors which can significantly increase or decrease the policy price. Simply getting older, getting married, or getting a couple of tickets may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition.

And not only may your rating factors change, but companies change prices multiple times each year in order to maintain liquidity for claims. Larger than normal claims can result in more expensive prices, while a better claims history may result in lower-cost Elantra insurance rates.

As an example, the bar chart below shows a variety of companies that have the cheapest car insurance in Cincinnati, OH for a 30-year-old male driver with no accidents, a clean driving record, and good financial standing. If we compare prices based on his current rating profile, Utica National has the cheapest car insurance rates in Cincinnati at $793 a year. This is $247 less than the average premium paid by Ohio drivers of $1,040. Allied, Frankenmuth, Erie, and Travelers are also on the list of the cheapest Cincinnati, OH auto insurance companies.

Now we will give the driver from the first set of rates a claim, a little lower credit rating, and a stop sign violation. Because each insurer has their own unique process to set their prices, analyzing rates could now result in a completely different list of affordable companies as shown below.

Merchants Insurance Group now has the best insurance rate in Cincinnati with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty now being in the top five. This shows why consumers need to take the time to compare rates to find affordable auto insurance rates for a Hyundai Elantra.

Insurance prices can be determined by many different factors and can change substantially, so the most economical company the last time you shopped your coverage around may now be quite expensive.