Hyundai Santa Fe Insurance Rates

Average insurance rates for a Hyundai Santa Fe are $1,140 a year for full coverage insurance. Comprehensive costs approximately $190, collision costs $328, and liability is $464. A policy with just liability insurance costs around $514 a year, with coverage for high-risk drivers costing around $2,472. Teens receive the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Rate estimates by individual coverage type:

Rates are based on $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all Santa Fe models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

These examples illustrate why everyone should compare rates quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $673
• Raising to $1,000 deductibles will save $118 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,140
• Selecting pricier low deductibles bumps up the cost to $1,366
• Drivers with serious driving violations could pay around $2,472 or more
• The cost that insures a 16-year-old driver for full coverage can cost $4,510

Insurance rates for a Hyundai Santa Fe can also vary considerably based on the model of your Santa Fe, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 additional per year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers is expensive and can cost from 42% to 137% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live also has a big influence on Hyundai Santa Fe insurance prices. A middle-age driver might find rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,540 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates can be significantly 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 Find the Best Cheap Hyundai Santa Fe Insurance

Saving money on insurance for a Hyundai Santa Fe consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a quick review of the coverage data touched on above.

• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $350 each year
• Teenage drivers are the costliest to insure, costing up to $376 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,330 more per year for auto insurance