Hyundai Santa Fe Insurance Rates

The average auto insurance rates for a Hyundai Santa Fe are $1,122 annually for full coverage insurance. Comprehensive insurance costs an estimated $184, collision insurance costs $306, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,430 or more. 16-year-old drivers cost the most to insure at up to $4,458 a year.

Average premium for full coverage: $1,122

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than congested cities. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why everyone should get quotes for a targeted area and their own personal driving habits, 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 illustrates average Hyundai Santa Fe insurance rates for other coverage scenarios.

• The best full coverage rate is $665
• Choosing higher $1,000 deductibles can save approximately $112 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,122
• Buying pricier low deductibles for comp and collision coverage costs an additional $216 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,430
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,458 each year

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

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,300 to $1,900 extra every year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers ranges from 43% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $330 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,520 on average in Florida, New York, and Michigan.

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 Buy Cheaper Hyundai Santa Fe Insurance

Finding cheaper rates on insurance for a Hyundai Santa Fe takes having a decent driving record, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a condensed summary of the data that was covered above.

• It is possible to save approximately $130 per year just by quoting online well ahead of the renewal date
• Insureds who want additional liability coverage will pay around $520 annually to raise limits from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $372 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,310 more annually than a driver with a clean driving record