Hyundai Santa Fe Insurance Rates

Average insurance rates for a Hyundai Santa Fe are $1,140 a year including full coverage. Comprehensive insurance costs an estimated $190 each year, collision costs $328, and liability coverage costs $464. A policy with just liability insurance costs as little as $514 a year, with coverage for high-risk drivers costing $2,472 or more. Teenage drivers receive the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Rate estimates broken down by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

These examples highlight why all drivers should compare rates for a targeted area and risk profile, rather than using average rates.

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 other coverage scenarios.

• The best discount rate is $673
• Drivers who choose higher $1,000 deductibles will pay approximately $118 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,140
• Using low deductibles for comprehensive and collision insurance will cost an extra $226 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,472 or more
• The cost for full coverage for a teenage driver can cost as much as $4,510 a year

Insurance rates for a Hyundai Santa Fe can also vary considerably based on your driver profile, the model of your Santa Fe, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age

Where you live makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could save up to $350 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,400 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 137% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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 Find the Best Cheap Hyundai Santa Fe Insurance

Saving money on auto insurance not only requires being a good driver, but also having a good credit history, not filing small claims, and maximizing policy discounts. Make time to compare rates once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following list is a quick review of the data that was touched on in this article.

• You may be able to save approximately $130 per year simply by quoting online in advance
• Consumers who want an increased level of liability coverage will pay an extra $510 per year to go from a minimum limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $376 per month including comprehensive and collision insurance
• Drivers with a DUI or reckless driving violation may pay on average $1,330 more annually than a safer driver