Hyundai Santa Fe Insurance Rates

The average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months for full coverage. Comprehensive insurance costs approximately $184, collision costs $306, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,430 or more. Teen drivers cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,122

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have more infrequent accident claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance prices.

The examples above show why everyone should get quotes using their specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $665
• Choosing higher $1,000 deductibles can save $112 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,122
• Choosing pricier low deductibles for comp and collision coverage costs an extra $216 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,430 or more
• Policy cost to insure a teen driver for full coverage can cost $4,458 each year

Auto insurance rates for a Hyundai Santa Fe also range considerably based on liability limits and deductibles, your driver profile, and the model of your Santa Fe.

Choosing high deductibles can save as much as $330 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers ranges anywhere from 43% to 129% more than average. View High Risk Driver Rates

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 $740 a year in states like Iowa, Maine, and Idaho, or as much as $1,600 on average in New York, Louisiana, and Michigan.

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates will be varied.

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 Shop for Cheaper Hyundai Santa Fe Insurance

Finding cheaper rates on Hyundai Santa Fe insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at every other renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a condensed summary of the concepts that were raised in the charts and tables above.

• High-risk drivers with multiple at-fault accidents may pay on average $1,310 more per year than a safer driver
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $372 each month if comprehensive and collision insurance is included
• Drivers can save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Drivers can save around $130 per year simply by quoting online well ahead of the renewal date