Hyundai Santa Fe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 10, 2024
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Average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months for full coverage insurance. Comprehensive insurance costs around $184, collision insurance costs $306, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $2,430 or more. Teen drivers receive the highest rates at up to $4,458 a year.
Average premium for full coverage: $1,122
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different Santa Fe trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $522 for minimum levels of liability insurance to a much higher rate of $2,430 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on price 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.
Additional Rate Details
The chart below illustrates average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $665
- Raising to $1,000 deductibles will save about $112 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,122
- Choosing more expensive low deductibles costs an extra $216 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,430
- The cost to insure a teen driver with full coverage can be $4,458
Insurance rates for a Hyundai Santa Fe can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Choosing high deductibles can reduce rates by up to $330 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $4,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,300 to $1,900 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates
Where you live also has a big influence on Hyundai Santa Fe insurance rates. A middle-age driver might find rates as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,520 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,014 | -$108 | -9.6% |
| Alaska | $860 | -$262 | -23.4% |
| Arizona | $932 | -$190 | -16.9% |
| Arkansas | $1,122 | -$0 | 0.0% |
| California | $1,278 | $156 | 13.9% |
| Colorado | $1,072 | -$50 | -4.5% |
| Connecticut | $1,154 | $32 | 2.9% |
| Delaware | $1,270 | $148 | 13.2% |
| Florida | $1,404 | $282 | 25.1% |
| Georgia | $1,034 | -$88 | -7.8% |
| Hawaii | $806 | -$316 | -28.2% |
| Idaho | $758 | -$364 | -32.4% |
| Illinois | $836 | -$286 | -25.5% |
| Indiana | $844 | -$278 | -24.8% |
| Iowa | $756 | -$366 | -32.6% |
| Kansas | $1,068 | -$54 | -4.8% |
| Kentucky | $1,530 | $408 | 36.4% |
| Louisiana | $1,660 | $538 | 48.0% |
| Maine | $692 | -$430 | -38.3% |
| Maryland | $924 | -$198 | -17.6% |
| Massachusetts | $898 | -$224 | -20.0% |
| Michigan | $1,948 | $826 | 73.6% |
| Minnesota | $938 | -$184 | -16.4% |
| Mississippi | $1,344 | $222 | 19.8% |
| Missouri | $996 | -$126 | -11.2% |
| Montana | $1,204 | $82 | 7.3% |
| Nebraska | $884 | -$238 | -21.2% |
| Nevada | $1,346 | $224 | 20.0% |
| New Hampshire | $808 | -$314 | -28.0% |
| New Jersey | $1,254 | $132 | 11.8% |
| New Mexico | $994 | -$128 | -11.4% |
| New York | $1,182 | $60 | 5.3% |
| North Carolina | $646 | -$476 | -42.4% |
| North Dakota | $920 | -$202 | -18.0% |
| Ohio | $774 | -$348 | -31.0% |
| Oklahoma | $1,154 | $32 | 2.9% |
| Oregon | $1,028 | -$94 | -8.4% |
| Pennsylvania | $1,072 | -$50 | -4.5% |
| Rhode Island | $1,496 | $374 | 33.3% |
| South Carolina | $1,016 | -$106 | -9.4% |
| South Dakota | $948 | -$174 | -15.5% |
| Tennessee | $984 | -$138 | -12.3% |
| Texas | $1,352 | $230 | 20.5% |
| Utah | $830 | -$292 | -26.0% |
| Vermont | $768 | -$354 | -31.6% |
| Virginia | $672 | -$450 | -40.1% |
| Washington | $868 | -$254 | -22.6% |
| West Virginia | $1,028 | -$94 | -8.4% |
| Wisconsin | $778 | -$344 | -30.7% |
| Wyoming | $1,000 | -$122 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Santa Fe GLS 2WD | $1,044 | $87 |
| Hyundai Santa Fe GLS 4WD | $1,096 | $91 |
| Hyundai Santa Fe SE 2WD | $1,096 | $91 |
| Hyundai Santa Fe Limited 2WD | $1,122 | $94 |
| Hyundai Santa Fe SE 4WD | $1,122 | $94 |
| Hyundai Santa Fe Limited 4WD | $1,174 | $98 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Fe | $270 | $536 | $398 | $1,362 |
| 2023 Hyundai Santa Fe | $260 | $524 | $416 | $1,358 |
| 2022 Hyundai Santa Fe | $250 | $502 | $430 | $1,340 |
| 2021 Hyundai Santa Fe | $238 | $484 | $442 | $1,322 |
| 2020 Hyundai Santa Fe | $228 | $450 | $452 | $1,288 |
| 2019 Hyundai Santa Fe | $218 | $424 | $456 | $1,256 |
| 2018 Hyundai Santa Fe | $210 | $380 | $460 | $1,208 |
| 2017 Hyundai Santa Fe | $196 | $350 | $460 | $1,164 |
| 2016 Hyundai Santa Fe | $190 | $328 | $464 | $1,140 |
| 2015 Hyundai Santa Fe | $184 | $306 | $474 | $1,122 |
| 2013 Hyundai Santa Fe | $166 | $258 | $478 | $1,060 |
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 More Affordable Hyundai Santa Fe Insurance
Saving money on Hyundai Santa Fe insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a summary of the concepts that were covered above.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,310 more every year for auto insurance
- Teenage drivers are charged the highest rates, costing up to $372 per month if full coverage is included
- It is possible to save up to $130 per year just by shopping early and online
- Increasing deductibles could save as much as $325 each year
- It is possible to save up to $130 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,458 |
| 20 | $2,590 |
| 30 | $1,150 |
| 40 | $1,122 |
| 50 | $1,028 |
| 60 | $1,008 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,238 |
| $500 | $1,122 |
| $1,000 | $1,010 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,122 |
| 50/100 | $1,269 |
| 100/300 | $1,387 |
| 250/500 | $1,695 |
| 100 CSL | $1,316 |
| 300 CSL | $1,577 |
| 500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,308 |
| 20 | $4,132 |
| 30 | $2,460 |
| 40 | $2,430 |
| 50 | $2,324 |
| 60 | $2,302 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $52 |
| Online Quote | $77 |
| Total Discounts | $457 |
Discounts are estimated and may not be available from every company or in every state.
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