Finding the best cheap coverage for a Hyundai Elantra in Pennsylvania is normally pretty easy, but it hinges on many different factors such as age of the driver, your credit score, and any driving offenses on your record. Pennsylvania drivers pay on average $956 each year to insure their Elantra, but that is an estimation calculated based on a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
Odds are that you may not be 30 years old (or even male), maybe you are married instead of single, or maybe you just want different deductibles. Even a minor difference in rating criteria could result in a significant change in the cost of a policy.
Not everyone needs the same coverages, so the best method for finding the cheapest coverage for your Hyundai is to compare rates from as many companies as possible.
The trim level of your vehicle tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Elantra GLS Touring Station Wagon trim level will be $92 lower than the insurance cost for the higher-end Elantra SE Touring Station Wagon model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$206||$284||$366||$22||$110||$988||$82|
|Elantra Blue 4-Dr Sedan||$206||$408||$432||$26||$130||$1,202||$100|
|Elantra GLS 4-Dr Sedan||$236||$408||$432||$26||$130||$1,232||$103|
|Elantra SE 4-Dr Sedan||$236||$408||$432||$26||$130||$1,232||$103|
|Elantra SE Touring Station Wagon||$236||$346||$366||$22||$110||$1,080||$90|
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in your specific Pittsburgh location which can modify price quotes significantly.
Finding a highly-rated auto insurance provider is difficult considering how many different companies sell coverage in Pittsburgh. The company rank data below can help you select which companies you want to consider purchasing coverage from. The rankings below are only comprised of large nationwide companies, so companies that may only write in Pennsylvania will not be included in these rankings.
Top 10 Major Car Insurance Companies in Pittsburgh Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The diagram below illustrates how your deductible choice can increase or decrease insurance rates when quoting cheap insurance for a Hyundai Elantra. The rate quotes are based on a single female driver, comp and collision included, and no policy discounts are applied.
The chart above illustrates that a 40-year-old driver could reduce rates by $354 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $532 by using a $1,000 deductible. Younger drivers, like the age 20 example, could lower their rates up to $908 or even more by selecting a higher deductible.
When using a larger deductible, it is necessary to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
The benefit of shopping around
Pittsburgh, PA insurance rates are impacted by many things which can substantially change the cost of coverage. Simply having a birthday, becoming a homeowner, or getting a few speeding tickets can trigger rate changes resulting in some companies being cheaper in comparison to the competition.
Also, insurance companies change the rates they charge in Pennsylvania as needed to help ensure profitability. A period of higher than normal claims can cause more expensive premiums, while lower claim levels can cause more affordable Elantra insurance rates.
To illustrate this point, the data below shows rates for the cheapest car insurance in Pittsburgh, PA for a 45-year-old female driver with no violations or accidents, and a decent credit rating. Based on her current rating profile, General Casualty may offer the cheapest car insurance rates in Pittsburgh at $878 annually. This is $779 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Erie, Penn National, and Travelers are also included in the cheapest Pittsburgh, PA auto insurance companies.
In this next rate comparison, we will give the driver in the first example an accident claim, bad credit, and a blemish on her driving record. Since every insurance provider has a proprietary method for determining prices, analyzing rates will most likely result in a significantly different list of companies as shown below.
Auto-Owners now has the cheapest insurance rate in Pittsburgh, PA with Atlantic States, Donegal Mutual, USAA, and Erie also being competitive. This example illustrates why Pennsylvania drivers need to shop around to get the cheapest auto insurance rates for a Hyundai Elantra. Insurance prices are calculated by many risk factors and change frequently, so the cheapest option the last time you compared rates may now be priced much higher than other options.