Hyundai Santa Fe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 10, 2024
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U.S. average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months with full coverage. Comprehensive costs an estimated $184 each year, collision insurance costs $306, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,430. 16-year-old drivers pay the highest rates at up to $4,458 a year.
Average premium for full coverage: $1,122
Price estimates broken down by individual coverage:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Santa Fe models.
Price Range from Low to High
Using a middle-aged driver as an example, Hyundai Santa Fe insurance prices range from the cheapest price of $522 for the bare minimum liability coverage to a high rate of $2,430 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than congested cities. The graphic below illustrates how where you live affects insurance prices.
The ranges above demonstrate why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details average Hyundai Santa Fe insurance rates for other coverage scenarios.
- The best full coverage rate is $665
- Using higher $1,000 deductibles will save approximately $112 annually
- The average price for the average middle-age driver who has $500 deductibles is $1,122
- Buying low deductibles for physical damage coverage increases the price to $1,338
- High-risk insureds with multiple tickets or accidents could pay up to $2,430
- The price to insure a 16-year-old driver can cost as much as $4,458 or more
Car insurance prices for a Hyundai Santa Fe are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $330 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 129% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Hyundai Santa Fe insurance prices. A driver around age 40 might see prices as low as $810 a year in states like Utah, Ohio, and New Hampshire, or at least $1,520 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,014 | -$108 | -9.6% |
| Alaska | $860 | -$262 | -23.4% |
| Arizona | $932 | -$190 | -16.9% |
| Arkansas | $1,122 | -$0 | 0.0% |
| California | $1,278 | $156 | 13.9% |
| Colorado | $1,072 | -$50 | -4.5% |
| Connecticut | $1,154 | $32 | 2.9% |
| Delaware | $1,270 | $148 | 13.2% |
| Florida | $1,404 | $282 | 25.1% |
| Georgia | $1,034 | -$88 | -7.8% |
| Hawaii | $806 | -$316 | -28.2% |
| Idaho | $758 | -$364 | -32.4% |
| Illinois | $836 | -$286 | -25.5% |
| Indiana | $844 | -$278 | -24.8% |
| Iowa | $756 | -$366 | -32.6% |
| Kansas | $1,068 | -$54 | -4.8% |
| Kentucky | $1,530 | $408 | 36.4% |
| Louisiana | $1,660 | $538 | 48.0% |
| Maine | $692 | -$430 | -38.3% |
| Maryland | $924 | -$198 | -17.6% |
| Massachusetts | $898 | -$224 | -20.0% |
| Michigan | $1,948 | $826 | 73.6% |
| Minnesota | $938 | -$184 | -16.4% |
| Mississippi | $1,344 | $222 | 19.8% |
| Missouri | $996 | -$126 | -11.2% |
| Montana | $1,204 | $82 | 7.3% |
| Nebraska | $884 | -$238 | -21.2% |
| Nevada | $1,346 | $224 | 20.0% |
| New Hampshire | $808 | -$314 | -28.0% |
| New Jersey | $1,254 | $132 | 11.8% |
| New Mexico | $994 | -$128 | -11.4% |
| New York | $1,182 | $60 | 5.3% |
| North Carolina | $646 | -$476 | -42.4% |
| North Dakota | $920 | -$202 | -18.0% |
| Ohio | $774 | -$348 | -31.0% |
| Oklahoma | $1,154 | $32 | 2.9% |
| Oregon | $1,028 | -$94 | -8.4% |
| Pennsylvania | $1,072 | -$50 | -4.5% |
| Rhode Island | $1,496 | $374 | 33.3% |
| South Carolina | $1,016 | -$106 | -9.4% |
| South Dakota | $948 | -$174 | -15.5% |
| Tennessee | $984 | -$138 | -12.3% |
| Texas | $1,352 | $230 | 20.5% |
| Utah | $830 | -$292 | -26.0% |
| Vermont | $768 | -$354 | -31.6% |
| Virginia | $672 | -$450 | -40.1% |
| Washington | $868 | -$254 | -22.6% |
| West Virginia | $1,028 | -$94 | -8.4% |
| Wisconsin | $778 | -$344 | -30.7% |
| Wyoming | $1,000 | -$122 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Santa Fe GLS 2WD | $1,044 | $87 |
| Hyundai Santa Fe GLS 4WD | $1,096 | $91 |
| Hyundai Santa Fe SE 2WD | $1,096 | $91 |
| Hyundai Santa Fe Limited 2WD | $1,122 | $94 |
| Hyundai Santa Fe SE 4WD | $1,122 | $94 |
| Hyundai Santa Fe Limited 4WD | $1,174 | $98 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Fe | $270 | $536 | $398 | $1,362 |
| 2023 Hyundai Santa Fe | $260 | $524 | $416 | $1,358 |
| 2022 Hyundai Santa Fe | $250 | $502 | $430 | $1,340 |
| 2021 Hyundai Santa Fe | $238 | $484 | $442 | $1,322 |
| 2019 Hyundai Santa Fe | $218 | $424 | $456 | $1,256 |
| 2018 Hyundai Santa Fe | $210 | $380 | $460 | $1,208 |
| 2017 Hyundai Santa Fe | $196 | $350 | $460 | $1,164 |
| 2016 Hyundai Santa Fe | $190 | $328 | $464 | $1,140 |
| 2015 Hyundai Santa Fe | $184 | $306 | $474 | $1,122 |
| 2013 Hyundai Santa Fe | $166 | $258 | $478 | $1,060 |
Rates are averaged for all Hyundai Santa Fe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Hyundai Santa Fe Insurance
Getting lower rates on insurance for a Hyundai Santa Fe requires being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief recap of the material that was touched on in the above illustrations.
- Insureds who want more liability protection will pay around $520 every year to increase from a low limit to a 250/500 level
- Youthful drivers have the highest car insurance prices, costing up to $372 a month if the policy includes full coverage
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,310 more annually than a low-risk driver
- Increasing physical damage deductibles could save as much as $325 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,458 |
| 20 | $2,590 |
| 30 | $1,150 |
| 40 | $1,122 |
| 50 | $1,028 |
| 60 | $1,008 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,238 |
| $500 | $1,122 |
| $1,000 | $1,010 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,122 |
| 50/100 | $1,269 |
| 100/300 | $1,387 |
| 250/500 | $1,695 |
| 100 CSL | $1,316 |
| 300 CSL | $1,577 |
| 500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,308 |
| 20 | $4,132 |
| 30 | $2,460 |
| 40 | $2,430 |
| 50 | $2,324 |
| 60 | $2,302 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $52 |
| Online Quote | $77 |
| Total Discounts | $457 |
Discounts are estimated and may not be available from every company or in every state.
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