Hyundai Santa Fe Insurance Rates

Average auto insurance rates for a Hyundai Santa Fe are $1,122 annually including full coverage. Comprehensive costs on average $184 a year, collision insurance costs $306, and liability insurance costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs around $2,430. 16-year-old drivers receive the highest rates at up to $4,458 a year.

Average premium for full coverage: $1,122

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Santa Fe trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples highlight why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below breaks down average Hyundai Santa Fe insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $665
• Drivers who choose higher $1,000 deductibles will pay around $1,010 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,122
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,338
• High risk drivers with multiple tickets or accidents could pay upwards of $2,430
• The cost with full coverage for a teen driver may cost $4,458 a year

Insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level of your Santa Fe, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age

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

Opting for high physical damage deductibles could save up to $330 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,600 on average in Michigan, New York, and Louisiana.

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

Saving money on Hyundai Santa Fe insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates every year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a quick rundown of the coverage data covered above.

• You may be able to save as much as $130 per year just by quoting early and online
• Increasing deductibles could save up to $325 each year
• 16 to 18-year-old drivers pay higher rates, as much as $372 per month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,310 more each year than a driver with a clean driving record