Hyundai Santa Fe Insurance Rates

The average insurance prices for a Hyundai Santa Fe are $1,140 every 12 months including full coverage. Comprehensive insurance costs approximately $190, collision costs $328, and liability costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing $2,472 or more. 16-year-old drivers cost the most to insure at $4,510 a year or more.

Average premium for full coverage: $1,140

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates how location helps determine auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

The chart below breaks down estimated Hyundai Santa Fe insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $673
• Drivers who choose higher $1,000 deductibles will pay $118 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,140
• Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $226 annually
• Drivers with multiple tickets or accidents could pay around $2,472 or more
• Policy cost to insure a 16-year-old driver with full coverage can cost $4,510 a year

Insurance rates for a Hyundai Santa Fe also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Santa Fe.

Opting for high physical damage deductibles could save up to $350 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,500 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 anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost from 42% to 137% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Hyundai Santa Fe insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,630 on average in Louisiana, New York, and Michigan.

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Every company utilizes a different rate formula, so the 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 insurance for a Hyundai Santa Fe not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a summary of the data covered in the charts and tables above.

• Insureds who purchase an increased level of liability coverage will pay around $510 per year to go from a 30/60 limit to a 250/500 level
• You may be able to save around $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $376 each month if they have full coverage