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.
U.S. average auto insurance rates for a Hyundai Santa Fe are $1,140 annually with full coverage. Comprehensive insurance costs around $190 a year, collision insurance costs $328, and liability coverage is estimated at $464. Buying just liability costs approximately $514 a year, and insurance for high-risk drivers costs $2,472 or more. Teens pay the highest rates at up to $4,510 a year.
Average premium for full coverage: $1,140
Price estimates for individual coverage:
Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Santa Fe trim levels.
Price Range from Low to High
For a 40-year-old driver, Hyundai Santa Fe insurance prices range from as cheap as $514 for liability-only coverage to a high of $2,472 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.
The ranges above demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than 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 Charts and Tables
The chart below details average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $673
- Choosing higher $1,000 deductibles can save about $1,022 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,140
- Selecting low $100 deductibles for comp and collision coverage costs an additional $226 each year
- Drivers with serious driving violations could pay at least $2,472
- The price with full coverage for a teenage driver can be $4,510 each year
Insurance prices for a Hyundai Santa Fe are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges around 42% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $350 a year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Hyundai Santa Fe insurance rates. A good driver about age 40 could pay as low as $820 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,540 on average in Florida, Michigan, and New York.
| 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% |
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 Buy the Best Hyundai Santa Fe Insurance
Getting lower rates on auto insurance takes being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a brief recap of the data that was illustrated above.
- You may be able to save up to $130 per year just by quoting early and online
- Consumers who may need higher levels of liability will pay approximately $510 every year to raise limits from a low limit to higher 250/500 limits
- Teenage drivers are charged the highest prices, costing up to $376 a month if they have full coverage
- Drivers who tend to receive serious violations may pay on average $1,330 more every year for auto insurance
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
