Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,140 a year for full coverage. Comprehensive costs around $190 a year, collision insurance costs $328, and liability is estimated at $464. A liability-only policy costs approximately $514 a year, and high-risk insurance costs around $2,472. Teen drivers cost the most to insure at up to $4,510 a year.

Average premium for full coverage: $1,140

Policy rates for type of insurance:

Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code, instead of using price averages.

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

Additional Rate Details

The chart below shows average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $673
• Choosing higher $1,000 deductibles can save about $1,022 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,140
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,366
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,472
• Policy cost that insures a teen driver can be $4,510 each year

Car insurance rates for a Hyundai Santa Fe also range considerably based on the trim level of your Santa Fe, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 137% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $4,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,630 on average in Michigan, Louisiana, and New York.

Choosing high deductibles can save as much as $350 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. 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 Cheapest Hyundai Santa Fe Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around once a year by getting quotes from direct carriers, and also from several local insurance agents.

The following is a recap of the data that was touched on in the above illustrations.

• Drivers can save up to $130 per year just by quoting early and online
• Policyholders who may need higher liability limits will pay about $510 each year to raise limits from a 30/60 limit to the 250/500 level
• Teens are the costliest to insure, costing up to $376 each month if full coverage is purchased
• Higher risk drivers that have major violations or accidents pay on average $1,330 more every year for Santa Fe insurance