Hyundai Santa Fe Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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U.S. average insurance rates for a Hyundai Santa Fe are $1,122 a year for full coverage insurance. Comprehensive insurance costs an estimated $184, collision insurance costs $306, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,430 or more. Teens pay the highest rates at up to $4,458 a year.
Average premium for full coverage: $1,122
Price estimates broken down by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Santa Fe trim levels.
Price Range from Low to High
For the average 40-year-old driver, Hyundai Santa Fe insurance prices range from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,430 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes 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.
Additional Rate Details
The chart below illustrates average Hyundai Santa Fe insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $665
- Raising to $1,000 deductibles will save approximately $112 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,122
- Selecting more expensive low deductibles will cost an extra $216 every year
- At-risk drivers with serious driving violations could pay up to $2,430
- The price for full coverage for a teen driver with full coverage can cost as much as $4,458
Car insurance prices for a Hyundai Santa Fe are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
An older driver with no driving violations and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $4,400 a year. View Rates by Age
The state you live in also has a big influence on Hyundai Santa Fe insurance prices. A middle-age driver might find prices as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,520 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,300 to $1,900 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 129% more than the average policy. View High Risk Driver Rates
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 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 | $270 | $536 | $398 | $1,362 |
| 2023 Hyundai Santa Fe | $260 | $524 | $416 | $1,358 |
| 2022 Hyundai Santa Fe | $250 | $502 | $430 | $1,340 |
| 2021 Hyundai Santa Fe | $238 | $484 | $442 | $1,322 |
| 2019 Hyundai Santa Fe | $218 | $424 | $456 | $1,256 |
| 2018 Hyundai Santa Fe | $210 | $380 | $460 | $1,208 |
| 2017 Hyundai Santa Fe | $196 | $350 | $460 | $1,164 |
| 2016 Hyundai Santa Fe | $190 | $328 | $464 | $1,140 |
| 2015 Hyundai Santa Fe | $184 | $306 | $474 | $1,122 |
| 2013 Hyundai Santa Fe | $166 | $258 | $478 | $1,060 |
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 the Best Cheap Hyundai Santa Fe Insurance
Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and possibly higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a quick review of the car insurance concepts touched on in this article.
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,310 more annually for car insurance
- It is possible to save approximately $130 per year just by shopping early and online
- Increasing physical damage deductibles can save around $325 each year
- Policyholders who want higher liability limits will pay approximately $520 annually to raise from a low limit to 250/500 limits
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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