Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,122 a year for full coverage insurance. Comprehensive costs an estimated $184, collision insurance costs $306, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,430. Teen drivers cost the most to insure at up to $4,458 a year.

Average premium for full coverage: $1,122

Policy rates broken down by type of insurance:

Prices include $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below illustrates average Hyundai Santa Fe insurance rates for other coverage scenarios.

• The lowest rate with discounts is $665
• Raising to $1,000 deductibles will save approximately $112 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,122
• Choosing more expensive low deductibles bumps up the cost to $1,338
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,430
• Policy cost that insures a teen driver with full coverage can cost as much as $4,458

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,300 to $1,900 additional every 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

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,400 a year. View Rates by Age

Your home state 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 North Carolina, Wisconsin, and Vermont, or as much as $1,520 on average in Florida, New York, and Michigan.

Choosing high deductibles can reduce rates by up to $330 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

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 Right Hyundai Santa Fe Insurance

Finding cheaper rates on Hyundai Santa Fe insurance consists of having a good driving record, having a good credit score, being claim-free, and possibly raising deductibles. Shop around once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The next list is a quick rundown of the data that was covered above.

• It is possible to save approximately $130 per year just by shopping early and online
• Drivers who want increased levels of liability coverage will pay about $520 annually to raise from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, possibly costing $372 each month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,310 more annually to buy Hyundai Santa Fe insurance