Hyundai Santa Fe Insurance Rates

Estimated insurance rates for a Hyundai Santa Fe are $1,122 a year with full coverage. Comprehensive insurance costs around $184 each year, collision costs $306, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,430 or more. Teen drivers pay the most at $4,458 a year or more.

Average premium for full coverage: $1,122

Premium estimates for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Santa Fe models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance rates.

These rate differences demonstrate why all drivers should get quotes for a specific zip code, rather than using price averages.

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

Detailed Rate Analysis

The chart below details estimated Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $665
• Choosing higher $1,000 deductibles can save about $112 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,122
• Choosing low deductibles for comp and collision coverage will cost an additional $216 each year
• Drivers with multiple violations and an at-fault accident could pay at least $2,430 or more
• An auto insurance policy that insures a teenage driver can be $4,458 each year

Insurance prices for a Hyundai Santa Fe also have a wide range based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,300 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,400 a year. View Rates by Age

Where you choose to live 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 New Hampshire, Ohio, and Utah, or as much as $1,520 on average in Florida, Michigan, and New York.

Choosing high deductibles can save as much as $330 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and prices will be substantially 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 Affordable Hyundai Santa Fe Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having a good credit score, being claim-free, and taking advantage of discounts. Shop around at least every other year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a brief review of the car insurance concepts touched on in the above illustrations.

• Drivers with DUI or reckless driving convictions may pay on average $1,310 more every year for car insurance
• You may be able to save up to $130 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $325 each year
• Consumers who may need higher liability limits will pay about $520 every year to raise limits from 30/60 bodily injury limits to the 250/500 level