Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,122 a year including full coverage. Comprehensive costs on average $184, collision insurance costs $306, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,430. Teenage drivers cost the most to insure at up to $4,458 a year.

Average premium for full coverage: $1,122

Policy rates by type of insurance:

Includes $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how geographic area affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $665
• Using higher $1,000 deductibles will save around $112 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,122
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,338
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,430
• Policy cost that insures a 16-year-old driver with full coverage may cost $4,458 or more

Car insurance rates for a Hyundai Santa Fe also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

Your home state has a huge impact on Hyundai Santa Fe insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,600 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles could cut rates by as much as $330 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheapest Hyundai Santa Fe Insurance

Finding cheaper rates on insurance for a Hyundai Santa Fe requires having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a recap of the material that was presented in the illustrations above.

• Insureds who require increased levels of liability coverage will pay an extra $520 per year to increase from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, with premiums being up to $372 each month if full coverage is purchased
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,310 more each year to buy Hyundai Santa Fe insurance
• Increasing comprehensive and collision deductibles can save approximately $325 each year