Hyundai Santa Fe Insurance Rates

U.S. average insurance prices for a Hyundai Santa Fe are $1,140 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $190 each year, collision costs $328, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, with coverage for high-risk drivers costing $2,472 or more. Teenage drivers pay the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Santa Fe models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

The ranges above illustrate why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $673
• Choosing higher $1,000 deductibles can save $118 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,140
• Using low deductibles for comp and collision coverage costs an extra $226 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,472 or more
• The price to insure a 16-year-old driver can cost $4,510 each year

Insurance prices for a Hyundai Santa Fe are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Santa Fe.

Using high physical damage deductibles can save as much as $350 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 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 for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges from 42% to 137% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,540 on average in Florida, New York, and Michigan.

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.

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 the Best Hyundai Santa Fe Insurance

Getting lower rates on insurance for a Hyundai Santa Fe takes having a decent driving record, having good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief recap of the primary concepts that were touched on above.

• It is possible to save around $130 per year simply by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,330 more per year than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $350 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $376 a month if they have full coverage