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 around $184, collision insurance costs $306, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,430 or more. Teens pay the highest rates at up to $4,458 a year.

Average premium for full coverage: $1,122

Price estimates for individual coverage:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Santa Fe trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code, rather than using averaged prices.

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

More Rate Information

The chart below breaks down average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $665
• Drivers who choose higher $1,000 deductibles will pay about $112 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,122
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $216 each year
• High-risk insureds with serious driving violations could pay at least $2,430
• The price that insures a teenage driver with full coverage can be $4,458 a year

Insurance prices for a Hyundai Santa Fe are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,300 to $1,900 additional each year, depending on your age. High-risk driver insurance can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,400 a year. View Rates by Age

The state you live in makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,600 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles could save up to $330 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

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 Low Cost Hyundai Santa Fe Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and deciding if full coverage is necessary. Compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following is a review of the information touched on above.

• You may be able to save up to $130 per year just by shopping early and online
• Teens are charged the highest prices, possibly costing $372 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $325 each year
• Drivers who have several accidents or serious violations may have to pay on average $1,310 more every year for Santa Fe insurance
• Consumers who may need higher liability limits will pay approximately $520 per year to go from a low limit to the 250/500 level