Hyundai Santa Fe Insurance Rates

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UPDATED: Apr 10, 2024

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The average auto insurance rates for a Hyundai Santa Fe are $1,122 annually for full coverage. Comprehensive costs approximately $184, collision insurance costs $306, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,430. Teens cost the most to insure at up to $4,458 a year.

Average premium for full coverage: $1,122

Policy rates by type of insurance:

Comprehensive $184
Collision $306
Liability $474

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Santa Fe trim levels.

Price Range Variability

For an average driver, Hyundai Santa Fe insurance rates range from as cheap as $522 for your basic liability-only policy to a much higher rate of $2,430 for a high-risk driver policy.

Liability Only $522
Full Coverage $1,122
High Risk $2,430

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $842
Small Cities $1,178
Large Cities $1,515

The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

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

  • The cheapest rate after discounts is $665
  • Raising to $1,000 deductibles will save $112 a year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,122
  • Selecting more expensive low deductibles will cost $1,338
  • At-risk drivers with serious driving violations could pay around $2,430
  • Policy cost with full coverage for a teen driver with full coverage can cost $4,458

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

An older driver with no violations or accidents and high physical damage 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, where even without any violations or accidents they should be prepared to pay in the ballpark of $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 could be paying anywhere from $1,300 to $1,900 additional 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

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

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

Hyundai Santa Fe Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,014 -$108 -9.6%
Alaska $860 -$262 -23.4%
Arizona $932 -$190 -16.9%
Arkansas $1,122 -$0 0.0%
California $1,278 $156 13.9%
Colorado $1,072 -$50 -4.5%
Connecticut $1,154 $32 2.9%
Delaware $1,270 $148 13.2%
Florida $1,404 $282 25.1%
Georgia $1,034 -$88 -7.8%
Hawaii $806 -$316 -28.2%
Idaho $758 -$364 -32.4%
Illinois $836 -$286 -25.5%
Indiana $844 -$278 -24.8%
Iowa $756 -$366 -32.6%
Kansas $1,068 -$54 -4.8%
Kentucky $1,530 $408 36.4%
Louisiana $1,660 $538 48.0%
Maine $692 -$430 -38.3%
Maryland $924 -$198 -17.6%
Massachusetts $898 -$224 -20.0%
Michigan $1,948 $826 73.6%
Minnesota $938 -$184 -16.4%
Mississippi $1,344 $222 19.8%
Missouri $996 -$126 -11.2%
Montana $1,204 $82 7.3%
Nebraska $884 -$238 -21.2%
Nevada $1,346 $224 20.0%
New Hampshire $808 -$314 -28.0%
New Jersey $1,254 $132 11.8%
New Mexico $994 -$128 -11.4%
New York $1,182 $60 5.3%
North Carolina $646 -$476 -42.4%
North Dakota $920 -$202 -18.0%
Ohio $774 -$348 -31.0%
Oklahoma $1,154 $32 2.9%
Oregon $1,028 -$94 -8.4%
Pennsylvania $1,072 -$50 -4.5%
Rhode Island $1,496 $374 33.3%
South Carolina $1,016 -$106 -9.4%
South Dakota $948 -$174 -15.5%
Tennessee $984 -$138 -12.3%
Texas $1,352 $230 20.5%
Utah $830 -$292 -26.0%
Vermont $768 -$354 -31.6%
Virginia $672 -$450 -40.1%
Washington $868 -$254 -22.6%
West Virginia $1,028 -$94 -8.4%
Wisconsin $778 -$344 -30.7%
Wyoming $1,000 -$122 -10.9%

Insurance Rates by Trim Level and Model Year

Hyundai Santa Fe Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Santa Fe GLS 2WD $1,044 $87
Hyundai Santa Fe GLS 4WD $1,096 $91
Hyundai Santa Fe SE 2WD $1,096 $91
Hyundai Santa Fe Limited 2WD $1,122 $94
Hyundai Santa Fe SE 4WD $1,122 $94
Hyundai Santa Fe Limited 4WD $1,174 $98

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.

Hyundai Santa Fe Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Santa Fe $270 $536 $398 $1,362
2023 Hyundai Santa Fe $260 $524 $416 $1,358
2022 Hyundai Santa Fe $250 $502 $430 $1,340
2021 Hyundai Santa Fe $238 $484 $442 $1,322
2019 Hyundai Santa Fe $218 $424 $456 $1,256
2018 Hyundai Santa Fe $210 $380 $460 $1,208
2017 Hyundai Santa Fe $196 $350 $460 $1,164
2016 Hyundai Santa Fe $190 $328 $464 $1,140
2015 Hyundai Santa Fe $184 $306 $474 $1,122
2013 Hyundai Santa Fe $166 $258 $478 $1,060

Rates are averaged for all Hyundai Santa Fe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Hyundai Santa Fe Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a brief recap of the information covered in the above illustrations.

  • Drivers can save around $130 per year just by shopping early and online
  • Drivers under the age of 20 are the costliest to insure, costing up to $372 each month if they have full coverage
  • Increasing comprehensive and collision deductibles could save up to $325 each year
  • Higher risk drivers who tend to receive serious violations pay on average $1,310 more per year to insure a Hyundai Santa Fe
  • Policyholders who purchase increased liability limits will pay approximately $520 each year to raise from a 30/60 limit to higher 250/500 limits

Rates by Driver Age

Hyundai Santa Fe Insurance Rates by Driver Age
Driver Age Premium
16 $4,458
20 $2,590
30 $1,150
40 $1,122
50 $1,028
60 $1,008

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Santa Fe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,338
$250 $1,238
$500 $1,122
$1,000 $1,010

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Santa Fe Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,122
50/100 $1,269
100/300 $1,387
250/500 $1,695
100 CSL $1,316
300 CSL $1,577
500 CSL $1,767

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Santa Fe Insurance Rates for High Risk Drivers
Age Premium
16 $6,308
20 $4,132
30 $2,460
40 $2,430
50 $2,324
60 $2,302

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $155

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $58
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $72
Paid in Full/EFT $44
Advance Quote $52
Online Quote $77
Total Discounts $457
Rate after discounts $665

Discounts are estimated and may not be available from every company or in every state.

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