Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,122 a year with full coverage. Comprehensive insurance costs an estimated $184, collision insurance costs $306, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,430 or more. Teenage drivers cost the most to insure at up to $4,458 a year.

Average premium for full coverage: $1,122

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, rather than using average rates.

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

More Rate Information

The chart below details average Hyundai Santa Fe insurance rates for other coverage scenarios.

• The best discount rate is $665
• Choosing higher $1,000 deductibles can save approximately $112 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,122
• Using pricier low deductibles for comp and collision coverage will cost an extra $216 each year
• Drivers who are prone to accidents and violations could pay up to $2,430
• Policy cost for full coverage for a teenage driver for full coverage can cost as much as $4,458 each year

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

A more mature driver with a good driving record and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Hyundai Santa Fe insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,520 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can save as much as $330 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,300 to $1,900 in extra premium every year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

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 Cheaper Hyundai Santa Fe Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having good credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a condensed summary of the data touched on in this article.

• Consumers who want increased liability limits will pay an extra $520 every year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers under the age of 20 are the costliest to insure, as much as $372 each month if they have full coverage