Hyundai Santa Fe Insurance Rates

The average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months for full coverage insurance. Comprehensive insurance costs on average $184 each year, collision costs $306, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,430 or more. 16-year-old drivers 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:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities.

The graphic below illustrates the difference location can make on car insurance rates.

The examples above illustrate why all drivers should get quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

The chart below illustrates estimated Hyundai Santa Fe insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $665
• Choosing higher $1,000 deductibles can save around $112 each year
• The average price for a good driver age 40 with $500 deductibles is $1,122
• Buying low deductibles for comp and collision coverage costs an extra $216 annually
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,430 or more
• Policy cost to insure a 16-year-old driver may cost $4,458 each year

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

Opting for high physical damage deductibles can save as much as $330 annually, whereas increasing liability limits will cost you more. Switching 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

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $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 probably paying at a minimum $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,520 on average in Michigan, New York, and Florida.

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, 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 More Affordable Hyundai Santa Fe Insurance

Finding cheaper rates on insurance for a Hyundai Santa Fe takes avoiding accidents and violations, having good credit, being claim-free, and bundling your home and auto policies. Make time to compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The list below is a summary of the ideas that were touched on in this article.

• Teenagers pay the highest rates, possibly costing $372 each month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,310 more each year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• It is possible to save as much as $130 per year simply by quoting online in advance