Hyundai Santa Fe Insurance Rates

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2013 Hyundai Santa Fe Car Insurance Cost in 2025 – 8 Ideas for Cheaper Prices

No one in their right mind gets a kick out of paying for insurance, especially when their premiums are through the roof. There are many auto insurance companies to purchase coverage from, and although it's a good thing to have multiple companies, having more insurance companies makes it harder to compare company pricing. Don't overlook these eight car insurance discounts Car insurance is not chea...

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UPDATED: Apr 10, 2024

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Estimated insurance prices for a Hyundai Santa Fe are $1,140 every 12 months including full coverage. Comprehensive costs approximately $190 each year, collision insurance costs $328, and liability costs $464. A liability-only policy costs as little as $514 a year, and high-risk insurance costs around $2,472. 16-year-old drivers pay the most at up to $4,510 a year.

Average premium for full coverage: $1,140

Premium estimates by type of coverage:

Comprehensive $190
Collision $328
Liability $464

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Santa Fe models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Hyundai Santa Fe range from the cheapest price of $514 for just liability coverage to a high rate of $2,472 for coverage for higher-risk drivers.

Liability Only $514
Full Coverage $1,140
High Risk $2,472

Insurance Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how geographic area affects auto insurance prices.

Rural Areas $855
Small Cities $1,197
Large Cities $1,539

These rate differences highlight why all drivers should compare rates using their specific location and their own driving history, instead of using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

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

  • The best full coverage rate is $673
  • Drivers who choose higher $1,000 deductibles will pay $118 every year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,140
  • Buying low deductibles for comprehensive and collision insurance increases the price to $1,366
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,472
  • An auto insurance policy to insure a teen driver can cost $4,510 a year

Auto insurance prices for a Hyundai Santa Fe also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Santa Fe.

Opting for high physical damage deductibles could save up to $350 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,400 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 137% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Hyundai Santa Fe insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,630 on average in Louisiana, New York, and Michigan.

Hyundai Santa Fe Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,032 -$108 -9.5%
Alaska $874 -$266 -23.3%
Arizona $948 -$192 -16.8%
Arkansas $1,140 -$0 0.0%
California $1,300 $160 14.0%
Colorado $1,088 -$52 -4.6%
Connecticut $1,172 $32 2.8%
Delaware $1,290 $150 13.2%
Florida $1,424 $284 24.9%
Georgia $1,050 -$90 -7.9%
Hawaii $818 -$322 -28.2%
Idaho $770 -$370 -32.5%
Illinois $850 -$290 -25.4%
Indiana $856 -$284 -24.9%
Iowa $770 -$370 -32.5%
Kansas $1,082 -$58 -5.1%
Kentucky $1,554 $414 36.3%
Louisiana $1,686 $546 47.9%
Maine $702 -$438 -38.4%
Maryland $940 -$200 -17.5%
Massachusetts $914 -$226 -19.8%
Michigan $1,978 $838 73.5%
Minnesota $952 -$188 -16.5%
Mississippi $1,364 $224 19.6%
Missouri $1,010 -$130 -11.4%
Montana $1,224 $84 7.4%
Nebraska $900 -$240 -21.1%
Nevada $1,364 $224 19.6%
New Hampshire $820 -$320 -28.1%
New Jersey $1,274 $134 11.8%
New Mexico $1,010 -$130 -11.4%
New York $1,200 $60 5.3%
North Carolina $656 -$484 -42.5%
North Dakota $932 -$208 -18.2%
Ohio $786 -$354 -31.1%
Oklahoma $1,170 $30 2.6%
Oregon $1,044 -$96 -8.4%
Pennsylvania $1,086 -$54 -4.7%
Rhode Island $1,520 $380 33.3%
South Carolina $1,032 -$108 -9.5%
South Dakota $962 -$178 -15.6%
Tennessee $998 -$142 -12.5%
Texas $1,374 $234 20.5%
Utah $844 -$296 -26.0%
Vermont $782 -$358 -31.4%
Virginia $682 -$458 -40.2%
Washington $880 -$260 -22.8%
West Virginia $1,044 -$96 -8.4%
Wisconsin $788 -$352 -30.9%
Wyoming $1,016 -$124 -10.9%

Insurance Rates by Trim Level and Model Year

Hyundai Santa Fe Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Santa Fe GLS 2WD $1,056 $88
Hyundai Santa Fe GLS 4WD $1,112 $93
Hyundai Santa Fe SE 2WD $1,112 $93
Hyundai Santa Fe Limited 2WD $1,140 $95
Hyundai Santa Fe SE 4WD $1,140 $95
Hyundai Santa Fe Limited 4WD $1,192 $99

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.

Hyundai Santa Fe Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Santa Fe $280 $542 $390 $1,370
2023 Hyundai Santa Fe $270 $536 $398 $1,362
2022 Hyundai Santa Fe $260 $524 $416 $1,358
2021 Hyundai Santa Fe $250 $502 $430 $1,340
2020 Hyundai Santa Fe $238 $484 $442 $1,322
2019 Hyundai Santa Fe $228 $450 $452 $1,288
2018 Hyundai Santa Fe $218 $424 $456 $1,256
2017 Hyundai Santa Fe $210 $380 $460 $1,208
2016 Hyundai Santa Fe $196 $350 $460 $1,164
2015 Hyundai Santa Fe $190 $328 $464 $1,140
2013 Hyundai Santa Fe $172 $284 $474 $1,088

Rates are averaged for all Hyundai Santa Fe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Affordable Hyundai Santa Fe Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having a good credit score, refrain from filing small claims, and possibly higher deductibles. Invest the time to compare rates at least once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a brief review of the primary concepts that were presented in the illustrations above.

  • You may be able to save around $130 per year just by quoting online in advance
  • Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,330 more per year than a low-risk driver
  • Increasing policy deductibles could save as much as $350 each year
  • Youthful drivers have the highest car insurance prices, with the cost nearing $376 per month if comprehensive and collision insurance is included

Rates by Driver Age

Hyundai Santa Fe Insurance Rates by Driver Age
Driver Age Premium
16 $4,510
20 $2,636
30 $1,168
40 $1,140
50 $1,044
60 $1,024

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Santa Fe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,366
$250 $1,260
$500 $1,140
$1,000 $1,022

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Santa Fe Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,140
50/100 $1,285
100/300 $1,401
250/500 $1,702
100 CSL $1,331
300 CSL $1,586
500 CSL $1,772

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Santa Fe Insurance Rates for High Risk Drivers
Age Premium
16 $6,384
20 $4,204
30 $2,504
40 $2,472
50 $2,364
60 $2,342

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $158

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $76
5-yr Claim Free $73
Paid in Full/EFT $46
Advance Quote $53
Online Quote $79
Total Discounts $467
Rate after discounts $673

Discounts are estimated and may not be available from every company or in every state.

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