Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,122 a year with full coverage. Comprehensive costs around $184 each year, collision insurance costs $306, and liability is estimated at $474. A liability-only policy costs approximately $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 for type of insurance:

Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

The examples above demonstrate why all drivers should get quotes for a specific zip code and risk profile, 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 details average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

• The best discount rate is $665
• Choosing higher $1,000 deductibles can save about $112 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,122
• Using low deductibles for comp and collision coverage will increase the cost to $1,338
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,430
• Policy cost for full coverage for a 16-year-old driver can be $4,458 each year

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

More mature drivers with no driving violations and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,520 on average in Florida, Michigan, and New York.

Using high physical damage deductibles can save as much as $330 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than a normal policy. View High Risk Driver Rates

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 Cheaper Hyundai Santa Fe Insurance

Finding cheaper rates on insurance for a Hyundai Santa Fe takes being a low-risk driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a condensed summary of the data that was touched on above.

• You may be able to save up to $130 per year just by quoting online in advance
• Insureds who may need more liability coverage will pay an extra $520 every year to raise limits from a 30/60 limit to 250/500 limits
• Teen drivers are the costliest to insure, as much as $372 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,310 more every year to insure their Santa Fe