Hyundai Santa Fe Insurance Rates

Average auto insurance rates for a Hyundai Santa Fe are $1,122 annually for full coverage. Comprehensive insurance costs approximately $184 a year, collision costs $306, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,430 or more. Teen 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:

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Santa Fe trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples show why it is important to compare prices 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.

Additional Rate Information

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

• The lowest rate with discounts is $665
• Using higher $1,000 deductibles will save $1,010 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,122
• Choosing low $100 deductibles for physical damage coverage costs an additional $216 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,430 or more
• The cost with full coverage for a 16-year-old driver can cost $4,458 or more

Car insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level of your Santa Fe, your driver profile, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,300 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $330 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Hyundai Santa Fe insurance prices. A driver around age 40 might see rates as low as $740 a year in states like Iowa, Maine, and Idaho, or as much as $1,600 on average in New York, Louisiana, and Michigan.

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.

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 Cheap Hyundai Santa Fe Insurance

Saving money on insurance for a Hyundai Santa Fe requires having a good driving record, having a good credit score, eliminating unneeded coverage, and avoiding coverage lapses. Set aside time to shop around at least once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The next list is a brief summary of the primary concepts that were raised in the charts and tables above.

• Drivers can save around $130 per year simply by quoting early and online
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,310 more per year to buy Hyundai Santa Fe insurance
• Increasing deductibles could save up to $325 each year
• Drivers age 20 and younger pay the highest auto insurance rates, costing as high as $372 per month if comprehensive and collision insurance is included