Hyundai Santa Fe Insurance Rates

The average auto insurance rates for a Hyundai Santa Fe are $1,122 annually including full coverage. Comprehensive costs an estimated $184, collision costs $306, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,430. Teenage drivers cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,122

Policy rates broken down by type of insurance:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Hyundai Santa Fe insurance rates for other coverage scenarios.

• The best discount rate is $665
• Raising to $1,000 deductibles will save approximately $112 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,122
• Using pricier low deductibles will cost $1,338
• Drivers who are prone to accidents and violations could pay up to $2,430 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,458

Insurance rates for a Hyundai Santa Fe also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,300 to $1,900 additional every year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers is expensive and can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $330 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Hyundai Santa Fe insurance prices. A middle-age driver might find rates as low as $860 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,600 on average in Louisiana, New York, and Michigan.

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy the Right Hyundai Santa Fe Insurance

Finding cheaper rates on insurance for a Hyundai Santa Fe consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a quick rundown of the primary concepts that were touched on above.

• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,310 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Teenage drivers are expensive to insure, with premiums being up to $372 each month if they have full coverage