Hyundai Santa Fe Insurance Rates

U.S. average insurance rates for a Hyundai Santa Fe are $1,122 a year for full coverage insurance. Comprehensive insurance costs approximately $184, collision costs $306, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing $2,430 or more. Teenage drivers pay the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Santa Fe models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

The ranges above illustrate why everyone should get quotes using their specific location and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $665
• Choosing higher $1,000 deductibles can save $112 each year
• The average rate for the average middle-age driver who chooses $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 around $2,430 or more
• The price for full coverage for a teenage driver for full coverage can cost $4,458 each year

Insurance prices for a Hyundai Santa Fe are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Hyundai Santa Fe insurance rates. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,520 on average in Florida, New York, and Michigan.

Using high physical damage deductibles can save as much as $330 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,900 extra each 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

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 Hyundai Santa Fe Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, maintaining good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around at least once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief recap of the primary concepts that were touched on above.

• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
• Drivers who tend to receive serious violations may pay on average $1,310 more per year for Santa Fe insurance
• Increasing physical damage deductibles can save around $325 each year
• Teens are expensive to insure, as much as $372 a month for full coverage