Hyundai Santa Fe Insurance Rates

U.S. average auto insurance rates for a Hyundai Santa Fe are $1,122 annually for full coverage insurance. Comprehensive costs approximately $184 each year, collision insurance costs $306, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,430. Teen drivers pay the highest rates at up to $4,458 a year.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Santa Fe models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $665
• Choosing higher $1,000 deductibles can save $112 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,122
• Choosing low deductibles for comp and collision coverage will cost $1,338
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,430
• The price with full coverage for a 16-year-old driver can cost $4,458 each year

Insurance prices for a Hyundai Santa Fe are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $330 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,520 on average in Florida, New York, and Michigan.

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 Buy the Right Hyundai Santa Fe Insurance

Getting lower rates on insurance for a Hyundai Santa Fe takes being a good driver, having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a quick rundown of the ideas that were covered above.

• Drivers age 16 to 20 are the costliest to insure, as much as $372 a month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,310 more per year than a safer driver
• Increasing physical damage deductibles could save up to $325 each year
• It is possible to save around $130 per year just by quoting online in advance