Hyundai Santa Fe Insurance Rates

The average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months for full coverage. Comprehensive insurance costs on average $184, collision insurance costs $306, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,430 or more. 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:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below shows average Hyundai Santa Fe insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $665
• Drivers who choose higher $1,000 deductibles will pay around $112 a year
• The average price for a good driver age 40 with $500 deductibles is $1,122
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $216 annually
• Drivers with serious driving violations could pay upwards of $2,430
• Policy cost to insure a 16-year-old driver with full coverage may cost $4,458 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $330 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have 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 could be paying at a minimum $1,300 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can cost from 43% to 129% more than the average policy. View High Risk Driver Rates

Your home state 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.

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 Cheap Hyundai Santa Fe Insurance

Finding cheaper rates on insurance for a Hyundai Santa Fe not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by getting quotes from direct carriers, and also from local independent and exclusive agents.

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

• Teenagers are charged the highest rates, costing up to $372 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,310 more each year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Drivers can save as much as $130 per year just by shopping early and online