Hyundai Santa Fe Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 10, 2024

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Estimated insurance prices for a Hyundai Santa Fe are $1,164 every 12 months for full coverage. Comprehensive costs around $196 a year, collision insurance costs $350, and liability insurance is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $2,524. Teen drivers pay the most at up to $4,584 a year.

Average premium for full coverage: $1,164

Premium estimates for type of coverage:

Comprehensive $196
Collision $350
Liability $460

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Santa Fe trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Hyundai Santa Fe range from the cheapest price of $510 for basic liability insurance to a high of $2,524 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,164
High Risk $2,524

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.

Rural Areas $873
Small Cities $1,222
Large Cities $1,571

These rate differences show why it is important to get quotes for a specific zip code and their own driving history, rather than relying on price 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.

Rate Comparisons

The chart below shows average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $685
  • Choosing higher $1,000 deductibles can save about $1,040 a year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,164
  • Choosing low $100 deductibles for comp and collision coverage increases the price to $1,402
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,524
  • An auto insurance policy to insure a teen driver can be $4,584 each year

Insurance prices for a Hyundai Santa Fe also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Choosing high deductibles can save as much as $370 each year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, 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 violations or you were responsible for an accident, you could be paying at least $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Hyundai Santa Fe insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,660 on average in Michigan, Louisiana, and New York.

Hyundai Santa Fe Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,054 -$110 -9.5%
Alaska $892 -$272 -23.4%
Arizona $966 -$198 -17.0%
Arkansas $1,164 -$0 0.0%
California $1,326 $162 13.9%
Colorado $1,114 -$50 -4.3%
Connecticut $1,196 $32 2.7%
Delaware $1,316 $152 13.1%
Florida $1,456 $292 25.1%
Georgia $1,074 -$90 -7.7%
Hawaii $834 -$330 -28.4%
Idaho $786 -$378 -32.5%
Illinois $866 -$298 -25.6%
Indiana $876 -$288 -24.7%
Iowa $784 -$380 -32.6%
Kansas $1,106 -$58 -5.0%
Kentucky $1,588 $424 36.4%
Louisiana $1,720 $556 47.8%
Maine $718 -$446 -38.3%
Maryland $960 -$204 -17.5%
Massachusetts $930 -$234 -20.1%
Michigan $2,020 $856 73.5%
Minnesota $974 -$190 -16.3%
Mississippi $1,392 $228 19.6%
Missouri $1,032 -$132 -11.3%
Montana $1,250 $86 7.4%
Nebraska $918 -$246 -21.1%
Nevada $1,396 $232 19.9%
New Hampshire $840 -$324 -27.8%
New Jersey $1,302 $138 11.9%
New Mexico $1,032 -$132 -11.3%
New York $1,226 $62 5.3%
North Carolina $668 -$496 -42.6%
North Dakota $952 -$212 -18.2%
Ohio $804 -$360 -30.9%
Oklahoma $1,196 $32 2.7%
Oregon $1,066 -$98 -8.4%
Pennsylvania $1,110 -$54 -4.6%
Rhode Island $1,554 $390 33.5%
South Carolina $1,054 -$110 -9.5%
South Dakota $982 -$182 -15.6%
Tennessee $1,020 -$144 -12.4%
Texas $1,402 $238 20.4%
Utah $862 -$302 -25.9%
Vermont $796 -$368 -31.6%
Virginia $698 -$466 -40.0%
Washington $902 -$262 -22.5%
West Virginia $1,066 -$98 -8.4%
Wisconsin $806 -$358 -30.8%
Wyoming $1,036 -$128 -11.0%

Insurance Rates by Trim Level and Model Year

Hyundai Santa Fe Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Santa Fe GLS 2WD $1,078 $90
Hyundai Santa Fe GLS 4WD $1,136 $95
Hyundai Santa Fe SE 2WD $1,136 $95
Hyundai Santa Fe Limited 2WD $1,164 $97
Hyundai Santa Fe SE 4WD $1,164 $97
Hyundai Santa Fe Limited 4WD $1,220 $102

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.

Hyundai Santa Fe Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Santa Fe $294 $562 $372 $1,386
2023 Hyundai Santa Fe $280 $542 $390 $1,370
2022 Hyundai Santa Fe $270 $536 $398 $1,362
2021 Hyundai Santa Fe $260 $524 $416 $1,358
2020 Hyundai Santa Fe $250 $502 $430 $1,340
2019 Hyundai Santa Fe $238 $484 $442 $1,322
2018 Hyundai Santa Fe $228 $450 $452 $1,288
2017 Hyundai Santa Fe $218 $424 $456 $1,256
2016 Hyundai Santa Fe $210 $380 $460 $1,208
2015 Hyundai Santa Fe $196 $350 $460 $1,164
2013 Hyundai Santa Fe $184 $306 $474 $1,122

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

Finding better rates on Hyundai Santa Fe insurance takes being a low-risk driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every time your policy renews by quoting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a brief summary of the information touched on in this article.

  • Drivers can save up to $140 per year just by quoting early and online
  • Teen drivers are charged the highest prices, as much as $382 per month if full coverage is included
  • Increasing policy deductibles could save as much as $350 each year
  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,360 more every year to insure their Santa Fe
  • Drivers who may need more liability coverage will pay about $510 each year to raise limits from 30/60 bodily injury limits to a 250/500 level

Rates by Driver Age

Hyundai Santa Fe Insurance Rates by Driver Age
Driver Age Premium
16 $4,584
20 $2,696
30 $1,196
40 $1,164
50 $1,066
60 $1,046

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Santa Fe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,402
$250 $1,292
$500 $1,164
$1,000 $1,040

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Santa Fe Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,164
50/100 $1,312
100/300 $1,427
250/500 $1,726
100 CSL $1,358
300 CSL $1,611
500 CSL $1,795

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Santa Fe Insurance Rates for High Risk Drivers
Age Premium
16 $6,496
20 $4,298
30 $2,562
40 $2,524
50 $2,416
60 $2,394

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.

SR-22 Surcharge $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $79
5-yr Claim Free $75
Paid in Full/EFT $48
Advance Quote $55
Online Quote $80
Total Discounts $479
Rate after discounts $685

Discounts are estimated and may not be available from every company or in every state.

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