Hyundai Santa Fe Insurance Rates

Estimated insurance rates for a Hyundai Santa Fe are $1,122 a year including full coverage. Comprehensive insurance costs approximately $184, collision costs $306, and liability insurance costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing $2,430 or more. Teenage drivers pay the most at $4,458 a year or more.

Average premium for full coverage: $1,122

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all Santa Fe models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why everyone should compare rates using their specific location and risk profile, rather than relying on average rates.

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 and risk scenarios.

• The best discount rate is $665
• Drivers who choose higher $1,000 deductibles will pay $112 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,122
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $216 a year
• High risk drivers who are prone to accidents and violations could pay around $2,430 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,458 a year

Car insurance prices for a Hyundai Santa Fe also have a wide range based on your driving characteristics, the model of your Santa Fe, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

Where you choose to live makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,600 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could save up to $330 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 extra annually, depending on your age. Hyundai Santa Fe insurance for high-risk drivers can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.

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 Hyundai Santa Fe insurance not only requires having a decent driving record, but also having above-average credit, refrain from filing small claims, and avoiding coverage lapses. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a brief summary of the material that was touched on in this article.

• Drivers who purchase additional liability coverage will pay an extra $520 per year to go from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers pay the highest auto insurance prices, with the cost nearing $372 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,310 more per year than a driver with a clean driving record
• Increasing policy deductibles can save around $325 each year