Hyundai Santa Fe SE 4WD Insurance Rates

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U.S. average auto insurance rates for a Hyundai Santa Fe SE 4WD are $1,392 annually for full coverage. Comprehensive costs approximately $298, collision costs $572, and liability costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing around $3,014. Teenage drivers pay the highest rates at $5,152 a year or more.

Annual premium for full coverage: $1,392

Price estimates by type of insurance:

Comprehensive $298
Collision $572
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Hyundai Santa Fe Trim Level

For the average driver, Hyundai Santa Fe SE 4WD insurance prices go from as cheap as $430 for minimum levels of liability insurance to a much higher rate of $3,014 for a driver that may need high-risk insurance.

Liability Only $430
Full Coverage $1,392
High Risk $3,014

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural locations have fewer accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $1,044
Small Cities $1,462
Large Cities $1,879

These price ranges show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Hyundai Santa Fe SE 4WD are also quite variable based on the actual cash value of your Santa Fe, your driver profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can be from 45% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $590 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Hyundai Santa Fe SE 4WD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted rates may be quite different between companies.

View Chart as Image

Hyundai Santa Fe SE 4WD insurance cost comparison chart
Column chart showing Hyundai Santa Fe SE 4WD insurance prices range from $796 to $5,152 for full coverage

Chart shows Hyundai Santa Fe SE 4WD insurance prices for different situations. The cheapest discount price is $796. Drivers who use higher $1,000 deductibles will pay about $1,196. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,392. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,778. Drivers with multiple violations and accidents could be charged at least $3,014. The price for full coverage insurance for a teenager can be as high as $5,152.

Hyundai Santa Fe SE 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,258 -$134 -9.6%
Alaska $1,068 -$324 -23.3%
Arizona $1,156 -$236 -17.0%
Arkansas $1,392 -$0 0.0%
California $1,586 $194 13.9%
Colorado $1,332 -$60 -4.3%
Connecticut $1,432 $40 2.9%
Delaware $1,576 $184 13.2%
Florida $1,742 $350 25.1%
Georgia $1,286 -$106 -7.6%
Hawaii $1,000 -$392 -28.2%
Idaho $942 -$450 -32.3%
Illinois $1,036 -$356 -25.6%
Indiana $1,048 -$344 -24.7%
Iowa $940 -$452 -32.5%
Kansas $1,324 -$68 -4.9%
Kentucky $1,900 $508 36.5%
Louisiana $2,060 $668 48.0%
Maine $858 -$534 -38.4%
Maryland $1,148 -$244 -17.5%
Massachusetts $1,112 -$280 -20.1%
Michigan $2,418 $1,026 73.7%
Minnesota $1,164 -$228 -16.4%
Mississippi $1,668 $276 19.8%
Missouri $1,236 -$156 -11.2%
Montana $1,496 $104 7.5%
Nebraska $1,098 -$294 -21.1%
Nevada $1,670 $278 20.0%
New Hampshire $1,004 -$388 -27.9%
New Jersey $1,556 $164 11.8%
New Mexico $1,232 -$160 -11.5%
New York $1,466 $74 5.3%
North Carolina $802 -$590 -42.4%
North Dakota $1,140 -$252 -18.1%
Ohio $960 -$432 -31.0%
Oklahoma $1,430 $38 2.7%
Oregon $1,276 -$116 -8.3%
Pennsylvania $1,328 -$64 -4.6%
Rhode Island $1,856 $464 33.3%
South Carolina $1,262 -$130 -9.3%
South Dakota $1,174 -$218 -15.7%
Tennessee $1,220 -$172 -12.4%
Texas $1,678 $286 20.5%
Utah $1,032 -$360 -25.9%
Vermont $952 -$440 -31.6%
Virginia $834 -$558 -40.1%
Washington $1,076 -$316 -22.7%
West Virginia $1,276 -$116 -8.3%
Wisconsin $964 -$428 -30.7%
Wyoming $1,240 -$152 -10.9%

View Chart as Image

Hyundai Santa Fe SE 4WD insurance rates by U.S. city

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Rates by Driver Age

Hyundai Santa Fe SE 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,152
20 $3,226
30 $1,456
40 $1,392
50 $1,270
60 $1,246

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Santa Fe SE 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,778
$250 $1,598
$500 $1,392
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Santa Fe SE 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,392
50/100 $1,465
100/300 $1,556
250/500 $1,792
100 CSL $1,501
300 CSL $1,701
500 CSL $1,847

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Santa Fe SE 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,358
20 $5,126
30 $3,084
40 $3,014
50 $2,878
60 $2,850

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 $195

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $105
5-yr Claim Free $90
Paid in Full/EFT $66
Advance Quote $70
Online Quote $99
Total Discounts $596
Rate after discounts $796

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

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