Hyundai Santa Fe Insurance Rates

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:

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

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.

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.

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.

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 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