Hyundai Santa Fe Insurance Rates

Estimated insurance prices for a Hyundai Santa Fe are $1,140 every 12 months including full coverage. Comprehensive insurance costs on average $190, collision costs $328, and liability insurance is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing $2,472 or more. Teens pay the most at $4,510 a year or more.

Average premium for full coverage: $1,140

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Santa Fe trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $673
• Choosing higher $1,000 deductibles can save around $118 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,140
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $226 a year
• High-risk insureds with serious driving violations could pay upwards of $2,472 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $4,510 each year

Insurance prices for a Hyundai Santa Fe also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Santa Fe.

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 42% to 137% more than the average policy. View High Risk Driver Rates

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 $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,630 on average in Michigan, New York, and Louisiana.

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, so the 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 Shop for the Best Hyundai Santa Fe Insurance

Finding better rates on Hyundai Santa Fe insurance takes being a safe and courteous driver, having good credit, refrain from filing small claims, and bundling your home and auto policies. Make time to compare rates every other policy renewal by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a brief recap of the ideas that were touched on in this article.

• Teenage drivers pay the highest prices, with the cost nearing $376 per month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,330 more each year for auto insurance
• Increasing policy deductibles could save as much as $350 each year
• You may be able to save as much as $130 per year simply by shopping early and online