Hyundai Santa Fe Insurance Rates

Average auto insurance rates for a Hyundai Santa Fe are $1,122 annually for full coverage. Comprehensive insurance costs around $184, collision costs $306, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,430 or more. Teens receive the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Rate estimates for individual coverage type:

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all Santa Fe models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

These examples show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Additional Charts and Tables

The chart below shows estimated 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 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,122
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $216 every year
• Higher-risk drivers with serious driving violations could pay at least $2,430 or more
• The cost with full coverage for a teen driver for full coverage can be $4,458 a year

Car insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level of your Santa Fe, your driver profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,300 to $1,900 extra per year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers 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 could save up to $330 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live 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 Idaho, Maine, and Iowa, or have to pay at least $1,600 on average in Michigan, Louisiana, and New York.

With so much variability in rates, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Every company calculates rates differently, so rate quotes can be significantly different between companies.

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 Cheap Hyundai Santa Fe Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a brief summary of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,310 more every year for auto insurance
• Drivers can save up to $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $325 each year
• Policyholders who may need higher levels of liability will pay approximately $520 each year to go from a minimum limit to higher 250/500 limits