Hyundai Santa Fe Insurance Rates

U.S. average insurance rates for a Hyundai Santa Fe are $1,164 a year for full coverage insurance. Comprehensive costs approximately $196, collision costs $350, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $2,524. Teen drivers pay the highest rates at $4,584 a year or more.

Average premium for full coverage: $1,164

Price estimates by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Santa Fe trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than using price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Hyundai Santa Fe insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $685
• Using higher $1,000 deductibles will save $124 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,164
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,402
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,524 or more
• The price that insures a teenage driver with full coverage can cost $4,584 or more

Insurance prices for a Hyundai Santa Fe are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can be around 44% to 134% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in has a huge impact on Hyundai Santa Fe insurance rates. A driver around age 40 might see prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,570 on average in Florida, New York, and Michigan.

Choosing high deductibles could cut prices by as much as $370 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and 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 Find the Best Hyundai Santa Fe Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around at least every other year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a brief recap of the car insurance concepts covered above.

• Drivers who tend to receive serious violations could be charged and average of $1,360 more per year to insure their Santa Fe
• It is possible to save around $140 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $350 each year
• Consumers who purchase more liability coverage will pay about $510 annually to increase from a low limit to the 250/500 level