Hyundai Santa Fe Insurance Rates

Average insurance rates for a Hyundai Santa Fe are $1,140 a year for full coverage insurance. Comprehensive costs an estimated $190 a year, collision costs $328, and liability is estimated at $464. A liability-only policy costs approximately $514 a year, with high-risk insurance costing around $2,472. Teen drivers receive the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Rate estimates broken down by individual coverage type:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Santa Fe trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

These examples illustrate why it is important to get quotes for a targeted area, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $673
• Choosing higher $1,000 deductibles can save approximately $1,022 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,140
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,366
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,472 or more
• The cost that insures a 16-year-old driver can cost as much as $4,510 each year

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

If you like to drive fast or you caused an accident, you are probably paying $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 137% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,500 a year. View Rates by Age

Where you live 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 North Carolina, Wisconsin, and Vermont, or as much as $1,540 on average in Florida, New York, and Michigan.

Choosing high deductibles can save as much as $350 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so the rates can be significantly different.

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

Saving money on insurance for a Hyundai Santa Fe takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a quick rundown of the concepts that were illustrated above.

• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,330 more annually than a safer driver
• Drivers age 16 to 20 are charged the highest rates, costing up to $376 per month if full coverage is included
• It is possible to save approximately $130 per year simply by quoting early and online
• Increasing deductibles can save approximately $350 each year
• It is possible to save approximately $130 per year simply by quoting early and online