Hyundai Santa Fe Insurance Rates

The average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months including full coverage. Comprehensive insurance costs an estimated $184, collision costs $306, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,430 or more. Teens cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,122

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured 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

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Hyundai Santa Fe insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $665
• Raising to $1,000 deductibles will save approximately $112 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,122
• Selecting more expensive low deductibles costs an extra $216 every year
• At-risk drivers with serious driving violations could pay up to $2,430 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $4,458

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,400 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 $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Hyundai Santa Fe insurance prices. A middle-age driver might find rates 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.

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, 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 Affordable Hyundai Santa Fe Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a brief review of the information illustrated above.

• You may be able to save approximately $130 per year simply by shopping early and online
• Teenagers are charged the highest rates, with premiums being up to $372 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,310 more annually for car insurance
• Policyholders who want higher liability limits will pay approximately $520 per year to raise from a 30/60 limit to a 250/500 level