Hyundai Santa Fe Insurance Rates

U.S. average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months including full coverage. Comprehensive insurance costs around $184 a year, collision costs $306, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,430 or more. 16-year-old drivers pay the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Price estimates for individual coverage:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Santa Fe trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine auto insurance rates.

The ranges above highlight why it is important to compare rates for a specific zip code 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.

Additional Rate Details

The chart below breaks down estimated Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $665
• Drivers who choose higher $1,000 deductibles will pay about $1,010 every year
• The average price for the average middle-age driver using $500 deductibles is $1,122
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $216 annually
• Drivers with multiple tickets or accidents could pay at least $2,430 or more
• The price to insure a 16-year-old driver can be $4,458 a year

Auto insurance prices for a Hyundai Santa Fe are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles could save up to $330 annually, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record 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 have to pay as much as $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 129% 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 $860 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,600 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out your exact price is to get quotes from multiple companies. Every company utilizes a different rate formula, and quoted prices may be quite 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 Shop for the Best Hyundai Santa Fe Insurance

Getting lower rates on insurance for a Hyundai Santa Fe not only requires having a good driving record, but also having a good credit score, being claim-free, and maximizing policy discounts. Invest time comparing rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $130 per year simply by quoting early and online
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,310 more every year to buy Hyundai Santa Fe insurance
• Increasing physical damage deductibles could save as much as $325 each year
• Drivers age 20 and younger are expensive to insure, possibly costing $372 a month if comprehensive and collision insurance is included