Hyundai Santa Fe Insurance Rates

Average insurance rates for a Hyundai Santa Fe are $1,122 a year with full coverage. Comprehensive costs an estimated $184, collision costs $306, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,430. Teenage drivers receive the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Rate estimates broken down by individual coverage type:

Prices include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Santa Fe trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

These examples demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below details estimated Hyundai Santa Fe insurance rates for other coverage scenarios.

• The best discount rate is $665
• Choosing higher $1,000 deductibles can save approximately $112 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,122
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,338
• Unlucky drivers who are prone to accidents and violations could pay up to $2,430 or more
• The cost for full coverage for a teen driver with full coverage can cost as much as $4,458 each year

Auto insurance rates for a Hyundai Santa Fe can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,520 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can save as much as $330 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,300 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance ranges as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

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 the Right Hyundai Santa Fe Insurance

Saving money on car insurance takes not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every couple of years by requesting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a quick rundown of the material that was illustrated above.

• Policyholders who want higher liability limits will pay an extra $520 every year to raise limits from a minimum limit to 250/500 limits
• Teens are the costliest to insure, with premiums as much as $372 per month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,310 more annually for Santa Fe insurance
• Increasing deductibles can save around $325 each year