Hyundai Santa Fe Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 10, 2024
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U.S. average insurance prices for a Hyundai Santa Fe are $1,140 every 12 months including full coverage. Comprehensive insurance costs an estimated $190 each year, collision insurance costs $328, and liability costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs $2,472 or more. 16-year-old drivers pay the highest rates at up to $4,510 a year.
Average premium for full coverage: $1,140
Price estimates broken down by individual coverage:
These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Santa Fe models.
Price Range from Low to High
For an average driver, Hyundai Santa Fe insurance prices range from the cheapest price of $514 for just liability coverage to a high rate of $2,472 for a high-risk insurance policy.
Geographic Price Range
Your location can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based on rate 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.
Detailed Rate Analysis
The chart below breaks down average Hyundai Santa Fe insurance rates for other coverage scenarios.
- The best full coverage rate is $673
- Drivers who choose higher $1,000 deductibles will pay approximately $118 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,140
- Buying low deductibles for comprehensive and collision insurance costs an extra $226 annually
- Drivers with multiple tickets or accidents could pay up to $2,472
- The price to insure a 16-year-old driver can cost as much as $4,510 a year
Car insurance prices for a Hyundai Santa Fe are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles could save up to $350 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can cost from 42% to 137% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Hyundai Santa Fe insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,630 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,032 | -$108 | -9.5% |
| Alaska | $874 | -$266 | -23.3% |
| Arizona | $948 | -$192 | -16.8% |
| Arkansas | $1,140 | -$0 | 0.0% |
| California | $1,300 | $160 | 14.0% |
| Colorado | $1,088 | -$52 | -4.6% |
| Connecticut | $1,172 | $32 | 2.8% |
| Delaware | $1,290 | $150 | 13.2% |
| Florida | $1,424 | $284 | 24.9% |
| Georgia | $1,050 | -$90 | -7.9% |
| Hawaii | $818 | -$322 | -28.2% |
| Idaho | $770 | -$370 | -32.5% |
| Illinois | $850 | -$290 | -25.4% |
| Indiana | $856 | -$284 | -24.9% |
| Iowa | $770 | -$370 | -32.5% |
| Kansas | $1,082 | -$58 | -5.1% |
| Kentucky | $1,554 | $414 | 36.3% |
| Louisiana | $1,686 | $546 | 47.9% |
| Maine | $702 | -$438 | -38.4% |
| Maryland | $940 | -$200 | -17.5% |
| Massachusetts | $914 | -$226 | -19.8% |
| Michigan | $1,978 | $838 | 73.5% |
| Minnesota | $952 | -$188 | -16.5% |
| Mississippi | $1,364 | $224 | 19.6% |
| Missouri | $1,010 | -$130 | -11.4% |
| Montana | $1,224 | $84 | 7.4% |
| Nebraska | $900 | -$240 | -21.1% |
| Nevada | $1,364 | $224 | 19.6% |
| New Hampshire | $820 | -$320 | -28.1% |
| New Jersey | $1,274 | $134 | 11.8% |
| New Mexico | $1,010 | -$130 | -11.4% |
| New York | $1,200 | $60 | 5.3% |
| North Carolina | $656 | -$484 | -42.5% |
| North Dakota | $932 | -$208 | -18.2% |
| Ohio | $786 | -$354 | -31.1% |
| Oklahoma | $1,170 | $30 | 2.6% |
| Oregon | $1,044 | -$96 | -8.4% |
| Pennsylvania | $1,086 | -$54 | -4.7% |
| Rhode Island | $1,520 | $380 | 33.3% |
| South Carolina | $1,032 | -$108 | -9.5% |
| South Dakota | $962 | -$178 | -15.6% |
| Tennessee | $998 | -$142 | -12.5% |
| Texas | $1,374 | $234 | 20.5% |
| Utah | $844 | -$296 | -26.0% |
| Vermont | $782 | -$358 | -31.4% |
| Virginia | $682 | -$458 | -40.2% |
| Washington | $880 | -$260 | -22.8% |
| West Virginia | $1,044 | -$96 | -8.4% |
| Wisconsin | $788 | -$352 | -30.9% |
| Wyoming | $1,016 | -$124 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Santa Fe GLS 2WD | $1,056 | $88 |
| Hyundai Santa Fe GLS 4WD | $1,112 | $93 |
| Hyundai Santa Fe SE 2WD | $1,112 | $93 |
| Hyundai Santa Fe Limited 2WD | $1,140 | $95 |
| Hyundai Santa Fe SE 4WD | $1,140 | $95 |
| Hyundai Santa Fe Limited 4WD | $1,192 | $99 |
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 | $280 | $542 | $390 | $1,370 |
| 2023 Hyundai Santa Fe | $270 | $536 | $398 | $1,362 |
| 2022 Hyundai Santa Fe | $260 | $524 | $416 | $1,358 |
| 2021 Hyundai Santa Fe | $250 | $502 | $430 | $1,340 |
| 2020 Hyundai Santa Fe | $238 | $484 | $442 | $1,322 |
| 2019 Hyundai Santa Fe | $228 | $450 | $452 | $1,288 |
| 2018 Hyundai Santa Fe | $218 | $424 | $456 | $1,256 |
| 2017 Hyundai Santa Fe | $210 | $380 | $460 | $1,208 |
| 2016 Hyundai Santa Fe | $196 | $350 | $460 | $1,164 |
| 2015 Hyundai Santa Fe | $190 | $328 | $464 | $1,140 |
| 2013 Hyundai Santa Fe | $172 | $284 | $474 | $1,088 |
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 Cheap Hyundai Santa Fe Insurance
Getting lower rates on insurance for a Hyundai Santa Fe not only requires being a safe and courteous driver, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Take the time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a brief summary of the car insurance concepts covered in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,330 more annually for auto insurance
- You may be able to save approximately $130 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $350 each year
- Insureds who want higher levels of liability will pay around $510 per year to go from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,510 |
| 20 | $2,636 |
| 30 | $1,168 |
| 40 | $1,140 |
| 50 | $1,044 |
| 60 | $1,024 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,260 |
| $500 | $1,140 |
| $1,000 | $1,022 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,140 |
| 50/100 | $1,285 |
| 100/300 | $1,401 |
| 250/500 | $1,702 |
| 100 CSL | $1,331 |
| 300 CSL | $1,586 |
| 500 CSL | $1,772 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,384 |
| 20 | $4,204 |
| 30 | $2,504 |
| 40 | $2,472 |
| 50 | $2,364 |
| 60 | $2,342 |
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 | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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