Hyundai Santa Fe Insurance Rates

Average auto insurance rates for a Hyundai Santa Fe are $1,122 annually for full coverage insurance. Comprehensive costs on average $184 a year, collision costs $306, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,430. Teenage drivers receive the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Rate estimates by individual coverage type:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Santa Fe trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These examples illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Details

The chart below illustrates estimated Hyundai Santa Fe insurance rates for different risk profiles and scenarios.

• The best discount rate is $665
• Raising to $1,000 deductibles will save around $1,010 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,122
• Using low $100 deductibles will cost $1,338
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,430 or more
• The cost with full coverage for a teenage driver may cost $4,458

Auto insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level of your Santa Fe, your risk profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,300 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $330 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Hyundai Santa Fe insurance rates. A middle-age driver might find rates as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,520 on average in Michigan, New York, and Florida.

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

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 Buy Low Cost Hyundai Santa Fe Insurance

Saving money on auto insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every couple of years by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a review of the material that was covered in the above illustrations.

• Consumers who require higher levels of liability will pay an extra $520 annually to raise from a minimum limit to higher 250/500 limits
• Teenage drivers are charged the highest rates, costing up to $372 per month if full coverage is included
• Drivers who have several accidents or serious violations may pay on average $1,310 more each year for auto insurance
• Increasing deductibles could save up to $325 each year