Hyundai Santa Fe Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Hyundai Santa Fe are $1,140 a year for full coverage. Comprehensive costs an estimated $190 a year, collision costs $328, and liability costs $464. Liability-only coverage costs as little as $514 a year, with high-risk coverage costing around $2,472. Teens receive the highest rates at $4,510 a year or more.
Average premium for full coverage: $1,140
Rate estimates broken down by individual coverage type:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured 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 as low as $514 for your basic liability-only policy to a high of $2,472 for a high-risk insurance policy.
Price Range by Location
Your location can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
These examples show why it is important to compare rates for a targeted area and risk profile, instead of using 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.
More Rate Information
The chart below shows estimated Hyundai Santa Fe insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $673
- Drivers who choose higher $1,000 deductibles will pay approximately $1,022 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,140
- Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,366
- Higher-risk drivers with serious driving violations could pay up to $2,472 or more
- The cost for full coverage for a teen driver can cost as much as $4,510 a year
Car insurance rates for a Hyundai Santa Fe can also vary considerably based on your driver profile, the trim level of your Santa Fe, and liability limits and deductibles.
Older drivers with no driving violations and high deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,500 a year. View Rates by Age
Where you live makes a big difference in Hyundai Santa Fe insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,630 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,032 | -$108 | -9.5% |
| Alaska | $874 | -$266 | -23.3% |
| Arizona | $948 | -$192 | -16.8% |
| Arkansas | $1,140 | -$0 | 0.0% |
| California | $1,300 | $160 | 14.0% |
| Colorado | $1,088 | -$52 | -4.6% |
| Connecticut | $1,172 | $32 | 2.8% |
| Delaware | $1,290 | $150 | 13.2% |
| Florida | $1,424 | $284 | 24.9% |
| Georgia | $1,050 | -$90 | -7.9% |
| Hawaii | $818 | -$322 | -28.2% |
| Idaho | $770 | -$370 | -32.5% |
| Illinois | $850 | -$290 | -25.4% |
| Indiana | $856 | -$284 | -24.9% |
| Iowa | $770 | -$370 | -32.5% |
| Kansas | $1,082 | -$58 | -5.1% |
| Kentucky | $1,554 | $414 | 36.3% |
| Louisiana | $1,686 | $546 | 47.9% |
| Maine | $702 | -$438 | -38.4% |
| Maryland | $940 | -$200 | -17.5% |
| Massachusetts | $914 | -$226 | -19.8% |
| Michigan | $1,978 | $838 | 73.5% |
| Minnesota | $952 | -$188 | -16.5% |
| Mississippi | $1,364 | $224 | 19.6% |
| Missouri | $1,010 | -$130 | -11.4% |
| Montana | $1,224 | $84 | 7.4% |
| Nebraska | $900 | -$240 | -21.1% |
| Nevada | $1,364 | $224 | 19.6% |
| New Hampshire | $820 | -$320 | -28.1% |
| New Jersey | $1,274 | $134 | 11.8% |
| New Mexico | $1,010 | -$130 | -11.4% |
| New York | $1,200 | $60 | 5.3% |
| North Carolina | $656 | -$484 | -42.5% |
| North Dakota | $932 | -$208 | -18.2% |
| Ohio | $786 | -$354 | -31.1% |
| Oklahoma | $1,170 | $30 | 2.6% |
| Oregon | $1,044 | -$96 | -8.4% |
| Pennsylvania | $1,086 | -$54 | -4.7% |
| Rhode Island | $1,520 | $380 | 33.3% |
| South Carolina | $1,032 | -$108 | -9.5% |
| South Dakota | $962 | -$178 | -15.6% |
| Tennessee | $998 | -$142 | -12.5% |
| Texas | $1,374 | $234 | 20.5% |
| Utah | $844 | -$296 | -26.0% |
| Vermont | $782 | -$358 | -31.4% |
| Virginia | $682 | -$458 | -40.2% |
| Washington | $880 | -$260 | -22.8% |
| West Virginia | $1,044 | -$96 | -8.4% |
| Wisconsin | $788 | -$352 | -30.9% |
| Wyoming | $1,016 | -$124 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $350 every year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 137% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to get quotes and see which company has the best rate. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Santa Fe GLS 2WD | $1,056 | $88 |
| Hyundai Santa Fe GLS 4WD | $1,112 | $93 |
| Hyundai Santa Fe SE 2WD | $1,112 | $93 |
| Hyundai Santa Fe Limited 2WD | $1,140 | $95 |
| Hyundai Santa Fe SE 4WD | $1,140 | $95 |
| Hyundai Santa Fe Limited 4WD | $1,192 | $99 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Fe | $280 | $542 | $390 | $1,370 |
| 2023 Hyundai Santa Fe | $270 | $536 | $398 | $1,362 |
| 2022 Hyundai Santa Fe | $260 | $524 | $416 | $1,358 |
| 2021 Hyundai Santa Fe | $250 | $502 | $430 | $1,340 |
| 2019 Hyundai Santa Fe | $228 | $450 | $452 | $1,288 |
| 2018 Hyundai Santa Fe | $218 | $424 | $456 | $1,256 |
| 2017 Hyundai Santa Fe | $210 | $380 | $460 | $1,208 |
| 2016 Hyundai Santa Fe | $196 | $350 | $460 | $1,164 |
| 2015 Hyundai Santa Fe | $190 | $328 | $464 | $1,140 |
| 2013 Hyundai Santa Fe | $172 | $284 | $474 | $1,088 |
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 Find Cheap Hyundai Santa Fe Insurance
Saving money on car insurance not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Take the time to comparison shop at least every other year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The following list is a brief summary of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,330 more annually than a safer driver
- Drivers can save approximately $130 per year simply by quoting early and online
- Increasing deductibles can save around $350 each year
- Policyholders who want an increased level of liability coverage will pay approximately $510 each year to go from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,510 |
| 20 | $2,636 |
| 30 | $1,168 |
| 40 | $1,140 |
| 50 | $1,044 |
| 60 | $1,024 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,260 |
| $500 | $1,140 |
| $1,000 | $1,022 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,140 |
| 50/100 | $1,285 |
| 100/300 | $1,401 |
| 250/500 | $1,702 |
| 100 CSL | $1,331 |
| 300 CSL | $1,586 |
| 500 CSL | $1,772 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,384 |
| 20 | $4,204 |
| 30 | $2,504 |
| 40 | $2,472 |
| 50 | $2,364 |
| 60 | $2,342 |
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 | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
