Hyundai Santa Fe Insurance Rates

The average insurance prices for a Hyundai Santa Fe are $1,140 every 12 months for full coverage. Comprehensive insurance costs around $190, collision insurance costs $328, and liability coverage is $464. Liability-only coverage costs around $514 a year, and high-risk coverage costs $2,472 or more. Teens 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 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why everyone should compare rates quotes for a specific zip code and their own driving history, rather than using averaged prices.

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 cheapest rate after discounts is $673
• Raising to $1,000 deductibles will save about $118 a year
• The average price for a good driver age 40 using $500 deductibles is $1,140
• Selecting pricier low deductibles costs an extra $226 each year
• Unlucky drivers with serious driving violations could pay at least $2,472
• Policy cost to insure a teenage driver for full coverage can be $4,510

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 a year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,400 to $1,900 additional every year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers is expensive and can cost around 42% to 137% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Hyundai Santa Fe insurance rates. A middle-age driver might find rates as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,630 on average in Michigan, Louisiana, and New York.

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 Shop for the Cheapest Hyundai Santa Fe Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a recap of the material that was covered above.

• Consumers who may need more liability protection will pay approximately $510 each year to raise from a 30/60 limit to a 250/500 level
• Youthful drivers are charged the highest rates, costing up to $376 each month if full coverage is included
• Drivers that have major violations or accidents may pay on average $1,330 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $350 each year