Other Fuel System Tank Assembly problems of the 2013 Hyundai Elantra

I purchased this vehicle based on the gas mileage rating and the 5 star safety rating. I traded a 2012 vw passat se for the Elantra gt. The Elantra cost $5,000 less, but the insurance is $600 more annually. The vw was rated 31 mpg highway, but averaged 33+ mpg highway: the Elantra was rated at 37 mpg highway, but at 4 different speeds (resetting the indicator between speeds), the best mileage is 32 mpg. To make matters worse, the car had to be refueled at 400 miles because of the small gas tank. Not touting the vw, but I drove 540 between fillups. I am seeing a lot of Hyundai's on the road, but this car is a big disappointment. The NHTSA has a 5 star safety rating, so why does my insurance cost more? how can the government allow a 37 mpg rating on a car that gets at best 32 mpg on the highway?.