Hyundai Santa Fe Insurance Rates

U.S. average insurance rates for a Hyundai Santa Fe are $1,122 a year including full coverage. Comprehensive insurance costs approximately $184 a year, collision costs $306, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,430 or more. Teens pay the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Santa Fe trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $665
• Using higher $1,000 deductibles will save $1,010 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,122
• Selecting low $100 deductibles for physical damage coverage will cost an extra $216 annually
• High-risk insureds with serious driving violations could pay around $2,430 or more
• The price for full coverage for a 16-year-old driver can cost $4,458 or more

Insurance prices for a Hyundai Santa Fe are also quite variable based on your driving record, the model of your Santa Fe, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

The state you live in has a huge impact on Hyundai Santa Fe insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,600 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $330 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can be from 43% to 129% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each insurance company calculates prices differently, and prices may be quite 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 More Affordable Hyundai Santa Fe Insurance

Getting lower rates on insurance for a Hyundai Santa Fe requires being a low-risk driver, having a good credit history, being claim-free, and qualifying for all possible discounts. Invest time comparing rates every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a summary of the material that was covered in the charts and tables above.

• Insureds who purchase more liability coverage will pay approximately $520 per year to increase from a low limit to 250/500 limits
• Teen drivers are the costliest to insure, possibly costing $372 a month including comprehensive and collision insurance
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,310 more per year to insure their Santa Fe
• Increasing physical damage deductibles can save around $325 each year