Hyundai Santa Fe Insurance Rates

Average insurance rates for a Hyundai Santa Fe are $1,140 a year with full coverage. Comprehensive insurance costs an estimated $190 each year, collision costs $328, and liability costs around $464. A liability-only policy costs as low as $514 a year, with high-risk insurance costing $2,472 or more. Teen drivers receive the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Santa Fe models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how location helps determine insurance prices.

These examples demonstrate why all drivers should compare prices for a targeted area, instead of making a decision based on price averages.

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 lowest rate with discounts is $673
• Using higher $1,000 deductibles will save approximately $118 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,140
• Choosing low deductibles for physical damage coverage will cost an additional $226 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,472 or more
• The cost that insures a 16-year-old driver can cost as much as $4,510 or more

Insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can be from 42% to 137% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,500 a year. View Rates by Age

Where you live has a huge impact on Hyundai Santa Fe insurance prices. A driver around age 40 might see rates as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.

Choosing high deductibles could cut rates by as much as $350 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the rates can be significantly different.

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 Cheapest Hyundai Santa Fe Insurance

Saving money on insurance for a Hyundai Santa Fe requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Shop around every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a recap of the information covered in the charts and tables above.

• You may be able to save approximately $130 per year simply by quoting online in advance
• Youthful drivers are charged the highest rates, with premiums as much as $376 per month if full coverage is included
• Increasing deductibles can save approximately $350 each year
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,330 more annually than a low-risk driver
• Insureds who want more liability protection will pay about $510 every year to increase from a minimum limit to the 250/500 level