Hyundai Santa Fe Insurance Rates

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

Average premium for full coverage: $1,122

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Santa Fe trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $665
• Raising to $1,000 deductibles will save $112 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,122
• Using more expensive low deductibles will cost an additional $216 annually
• Drivers who are prone to accidents and violations could pay around $2,430 or more
• The cost that insures a 16-year-old driver with full coverage can cost $4,458

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

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,300 to $1,900 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Where you live also has a big influence on Hyundai Santa Fe insurance prices. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,520 on average in Florida, New York, and Michigan.

Using high physical damage deductibles can reduce rates by up to $330 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, 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 Best Cheap Hyundai Santa Fe Insurance

Saving money on insurance for a Hyundai Santa Fe consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a quick review of the primary concepts that were raised in the charts and tables above.

• It is possible to save around $130 per year simply by shopping early and online
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,310 more per year than a safer driver
• Increasing deductibles can save approximately $325 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $372 per month if full coverage is included