Hyundai Santa Fe Insurance Rates

Average insurance rates for a Hyundai Santa Fe are $1,122 a year for full coverage. Comprehensive insurance costs approximately $184 each year, collision insurance costs $306, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,430 or more. Teenage drivers receive the highest rates at up to $4,458 a year.

Average premium for full coverage: $1,122

Rate estimates by individual coverage type:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Santa Fe models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

These examples show why all drivers should compare rates using their specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Hyundai Santa Fe insurance rates for additional coverage and risk scenarios.

• The best discount rate is $665
• Drivers who choose higher $1,000 deductibles will pay $112 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,122
• Using low deductibles for comprehensive and collision insurance will cost an additional $216 a year
• High risk drivers who are prone to accidents and violations could pay around $2,430
• The cost that insures a teen driver can cost $4,458 a year

Car insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,300 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age

Where you live makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,600 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles could save up to $330 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2015 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Affordable Hyundai Santa Fe Insurance

Saving money on Hyundai Santa Fe insurance not only requires having a good driving record, but also having a positive credit history, eliminating unneeded coverage, and attention to physical damage deductibles. Compare prices at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief review of the car insurance concepts touched on above.

• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,310 more per year to buy Hyundai Santa Fe insurance
• Drivers can save around $130 per year just by quoting online in advance
• Increasing deductibles can save approximately $325 each year
• Drivers who purchase increased levels of liability coverage will pay an extra $520 each year to go from a minimum limit to the 250/500 level