Hyundai Santa Fe Insurance Rates

The average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months including full coverage. Comprehensive costs around $184, collision costs $306, and liability insurance costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing around $2,430. Teens cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,122

Policy rates for type of insurance:

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why everyone should 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.

Additional Rate Information

The chart below breaks down 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 $112 every year
• The average price for a good driver age 40 using $500 deductibles is $1,122
• Selecting pricier low 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
• Policy cost to insure a teen driver for full coverage can be $4,458 a year

Auto insurance rates for a Hyundai Santa Fe also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $330 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 in extra premium every year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,600 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and quoted rates will be varied.

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 More Affordable Hyundai Santa Fe Insurance

Finding cheaper rates on Hyundai Santa Fe insurance not only requires not taking risks behind the wheel, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,310 more every year for Santa Fe insurance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Teens are expensive to insure, with premiums being up to $372 each month if comprehensive and collision insurance is included