Hyundai Santa Fe Insurance Rates

Estimated insurance rates for a Hyundai Santa Fe are $1,140 a year for full coverage. Comprehensive costs an estimated $190 a year, collision costs $328, and liability costs $464. A policy with only liability insurance costs as little as $514 a year, with a high-risk policy costing around $2,472. 16-year-old drivers pay the most at $4,510 a year or more.

Average premium for full coverage: $1,140

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Santa Fe trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

These rate differences show why it is important to compare rates for a targeted area, instead of making a decision based on rate averages.

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

More Rate Information

The chart below shows estimated 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 $1,022 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,140
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,366
• Drivers with multiple tickets or accidents could pay up to $2,472 or more
• An auto insurance policy that insures a 16-year-old driver can cost as much as $4,510 a year

Car insurance prices for a Hyundai Santa Fe also have a wide range based on the trim level of your Santa Fe, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 137% more than the average rate. View High Risk Driver Rates

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

Where you choose to live makes a big difference in Hyundai Santa Fe insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or at least $1,630 on average in New York, Louisiana, and Michigan.

Opting for high physical damage deductibles could save up to $350 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from multiple companies. Every company utilizes a different rate formula, so rate quotes will be substantially 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 Cheap Hyundai Santa Fe Insurance

Finding better rates on insurance for a Hyundai Santa Fe not only requires being a good driver, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Comparison shop at least once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

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

• Drivers can save approximately $130 per year simply by quoting early and online
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,330 more annually than a safer driver
• Increasing policy deductibles can save approximately $350 each year
• Drivers age 16 to 20 have the highest car insurance prices, as much as $376 per month if full coverage is purchased