Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,164 a year with full coverage. Comprehensive costs an estimated $196, collision costs $350, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,524. Teenage drivers cost the most to insure at $4,584 a year or more.

Average premium for full coverage: $1,164

Policy rates broken down by type of insurance:

Includes $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

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

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

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $685
• Choosing higher $1,000 deductibles can save approximately $124 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,164
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,402
• Unlucky drivers who are prone to accidents and violations could pay up to $2,524 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $4,584 each year

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

If you have a few points on your driving record or you caused an accident, you may be forking out $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,570 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can save as much as $370 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance 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 will be varied.

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

Finding cheaper rates on car insurance takes not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every couple of years by requesting quotes from direct companies, and also from insurance agencies where you live.

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

• Policyholders who want higher liability limits will pay an extra $510 every year to raise limits from a 30/60 limit to the 250/500 level
• Teens are the costliest to insure, as much as $382 each month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,360 more annually for Santa Fe insurance
• Increasing comprehensive and collision deductibles can save approximately $350 each year