Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,122 a year for full coverage. Comprehensive costs approximately $184 each year, collision costs $306, and liability costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing around $2,430. Teens cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,122

Policy rates by type of insurance:

Price estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why all drivers should compare rates using their specific location and risk profile, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $665
• Drivers who choose higher $1,000 deductibles will pay $112 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,122
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,338
• Higher-risk drivers with serious driving violations could pay around $2,430 or more
• Policy cost for full coverage for a teen driver can cost $4,458 a year

Auto insurance rates for a Hyundai Santa Fe also range considerably based on your risk profile, the trim level of your Santa Fe, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state makes a big difference in Hyundai Santa Fe insurance prices. A 40-year-old driver could pay as low as $740 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,600 on average in New York, Louisiana, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could save up to $330 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, and quoted rates will be varied 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 Cheaper Hyundai Santa Fe Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a condensed summary of the primary concepts that were covered above.

• Drivers can save around $130 per year simply by quoting online in advance
• Higher risk drivers with multiple at-fault accidents may pay on average $1,310 more per year for Santa Fe insurance
• Increasing comprehensive and collision deductibles can save around $325 each year
• Teens have the highest car insurance rates, costing up to $372 each month if they have full coverage