Hyundai Santa Fe Insurance Rates

Estimated insurance prices for a Hyundai Santa Fe are $1,122 every 12 months including full coverage. Comprehensive costs around $184 each year, collision costs $306, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,430. 16-year-old drivers pay the most at $4,458 a year or more.

Average premium for full coverage: $1,122

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Santa Fe models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine auto insurance rates.

These rate differences highlight why all drivers should get quotes for a specific zip code and their own driving history, rather than using rate averages.

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

Additional Rate Information

The chart below breaks down estimated Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $665
• Choosing higher $1,000 deductibles can save about $112 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,122
• Buying low deductibles for comp and collision coverage increases the price to $1,338
• Drivers with multiple tickets or accidents could pay at least $2,430 or more
• An auto insurance policy to insure a teenage driver can be $4,458 each year

Insurance prices for a Hyundai Santa Fe also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $330 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Hyundai Santa Fe insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,600 on average in Michigan, New York, and Louisiana.

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and prices will be substantially 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 Shop for Cheaper Hyundai Santa Fe Insurance

Finding better rates on auto insurance takes being a good driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Invest time comparing rates every couple of years by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a condensed summary of the material that was covered in the charts and tables above.

• Consumers who may need an increased level of liability coverage will pay around $520 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 are charged the highest prices, with the cost nearing $372 per month if full coverage is included
• Drivers with multiple at-fault accidents could be forced to pay on average $1,310 more every year than a safer driver
• Increasing policy deductibles could save as much as $325 each year