Hyundai Santa Fe Insurance Rates
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UPDATED: Apr 10, 2024
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Average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months for full coverage. Comprehensive costs around $184 a year, collision costs $306, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,430. Teens receive the highest rates at $4,458 a year or more.
Average premium for full coverage: $1,122
Rate estimates for individual coverage type:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Santa Fe trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $522 for just the minimum liability insurance to a high of $2,430 for a high-risk driver policy.
Price Range by Location
Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects auto insurance rates.
These examples show why it is important to compare rates for a specific zip code and their own driving history, rather than relying on averaged prices.
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.
Additional Rate Analysis
The chart below shows estimated Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $665
- Drivers who choose higher $1,000 deductibles will pay about $1,010 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,122
- Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,338
- High risk drivers with serious driving violations could pay at least $2,430 or more
- The cost to insure a teen driver can be $4,458 a year
Auto insurance rates for a Hyundai Santa Fe can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $330 each year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,300 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,600 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,014 | -$108 | -9.6% |
Alaska | $860 | -$262 | -23.4% |
Arizona | $932 | -$190 | -16.9% |
Arkansas | $1,122 | -$0 | 0.0% |
California | $1,278 | $156 | 13.9% |
Colorado | $1,072 | -$50 | -4.5% |
Connecticut | $1,154 | $32 | 2.9% |
Delaware | $1,270 | $148 | 13.2% |
Florida | $1,404 | $282 | 25.1% |
Georgia | $1,034 | -$88 | -7.8% |
Hawaii | $806 | -$316 | -28.2% |
Idaho | $758 | -$364 | -32.4% |
Illinois | $836 | -$286 | -25.5% |
Indiana | $844 | -$278 | -24.8% |
Iowa | $756 | -$366 | -32.6% |
Kansas | $1,068 | -$54 | -4.8% |
Kentucky | $1,530 | $408 | 36.4% |
Louisiana | $1,660 | $538 | 48.0% |
Maine | $692 | -$430 | -38.3% |
Maryland | $924 | -$198 | -17.6% |
Massachusetts | $898 | -$224 | -20.0% |
Michigan | $1,948 | $826 | 73.6% |
Minnesota | $938 | -$184 | -16.4% |
Mississippi | $1,344 | $222 | 19.8% |
Missouri | $996 | -$126 | -11.2% |
Montana | $1,204 | $82 | 7.3% |
Nebraska | $884 | -$238 | -21.2% |
Nevada | $1,346 | $224 | 20.0% |
New Hampshire | $808 | -$314 | -28.0% |
New Jersey | $1,254 | $132 | 11.8% |
New Mexico | $994 | -$128 | -11.4% |
New York | $1,182 | $60 | 5.3% |
North Carolina | $646 | -$476 | -42.4% |
North Dakota | $920 | -$202 | -18.0% |
Ohio | $774 | -$348 | -31.0% |
Oklahoma | $1,154 | $32 | 2.9% |
Oregon | $1,028 | -$94 | -8.4% |
Pennsylvania | $1,072 | -$50 | -4.5% |
Rhode Island | $1,496 | $374 | 33.3% |
South Carolina | $1,016 | -$106 | -9.4% |
South Dakota | $948 | -$174 | -15.5% |
Tennessee | $984 | -$138 | -12.3% |
Texas | $1,352 | $230 | 20.5% |
Utah | $830 | -$292 | -26.0% |
Vermont | $768 | -$354 | -31.6% |
Virginia | $672 | -$450 | -40.1% |
Washington | $868 | -$254 | -22.6% |
West Virginia | $1,028 | -$94 | -8.4% |
Wisconsin | $778 | -$344 | -30.7% |
Wyoming | $1,000 | -$122 | -10.9% |
With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Hyundai Santa Fe GLS 2WD | $1,044 | $87 |
Hyundai Santa Fe GLS 4WD | $1,096 | $91 |
Hyundai Santa Fe SE 2WD | $1,096 | $91 |
Hyundai Santa Fe Limited 2WD | $1,122 | $94 |
Hyundai Santa Fe SE 4WD | $1,122 | $94 |
Hyundai Santa Fe Limited 4WD | $1,174 | $98 |
Rates assume 2013 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.
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 the Best Cheap Hyundai Santa Fe Insurance
Saving money on Hyundai Santa Fe insurance not only requires being a good driver, but also having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a quick review of the information touched on in the above illustrations.
- Drivers can save up to $130 per year simply by quoting early and online
- Drivers age 16 to 20 are expensive to insure, costing as high as $372 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $325 each year
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,310 more every year than a safer driver
- Drivers who may need an increased level of liability coverage will pay approximately $520 each year to go from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,458 |
20 | $2,590 |
30 | $1,150 |
40 | $1,122 |
50 | $1,028 |
60 | $1,008 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,338 |
$250 | $1,238 |
$500 | $1,122 |
$1,000 | $1,010 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,122 |
50/100 | $1,269 |
100/300 | $1,387 |
250/500 | $1,695 |
100 CSL | $1,316 |
300 CSL | $1,577 |
500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,308 |
20 | $4,132 |
30 | $2,460 |
40 | $2,430 |
50 | $2,324 |
60 | $2,302 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $58 |
Multi-vehicle | $61 |
Homeowner | $19 |
5-yr Accident Free | $74 |
5-yr Claim Free | $72 |
Paid in Full/EFT | $44 |
Advance Quote | $52 |
Online Quote | $77 |
Total Discounts | $457 |
Discounts are estimated and may not be available from every company or in every state.
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