About $1,605 a year for full coverage on a national average — 12% more than the $1,438 average car. Insurers rate the Hyundai Elantra GT at an index of 112 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2018-2020).
The premium isn't spread evenly across the Hyundai Elantra GT: Medical payments — medical bills for you and passengers — carries its highest loss index at 132, while Comprehensive sits at 89. Those 43 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2017 Elantra GT sells for a median $7,995, so a year of cover costs 20.1% of the car's value. Over 8 generations of data the index has climbed from 97 (2011-2013) to 112 (2018-2020). Calculated from 8 insurance-loss records and live US listing prices.
Why a Elantra GT costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,605: Liability (BI + PD) $770 · Collision $449 · Comprehensive $193 · Other (UM / PIP) $193.
How it changed by generation
Insurance-loss index of the Elantra GT across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Elantra GT has become more expensive to insure over time (+15 points).
What a Elantra GT costs by state
Where you park matters as much as what you drive. The Elantra GT's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Elantra GT est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Hyundai Elantra GT's loss index of 112 — your own quote also depends on age, record, deductible and ZIP.
Hyundai Elantra GT insurance — frequently asked
How much is insurance for a Hyundai Elantra GT?
About $1,605 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 112 applied to the US average premium.
Why is the Elantra GT expensive or cheap to insure?
For the Hyundai Elantra GT the costliest area is Medical payments at an index of 132, covering medical bills for you and passengers — against 89 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Hyundai Elantra GT lands at 112, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 20.1% of what a 2017 Elantra GT sells for — $1,605 against a median price of $7,995. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 20.1% the Elantra GT sits on the expensive side of that trade.
Does its safety rating lower the premium?
Not directly. The Elantra GT holds 4 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Elantra GT can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.