Hyundai Santa Fe Insurance Rates

U.S. average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months for full coverage insurance. Comprehensive costs an estimated $184 a year, collision insurance costs $306, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $2,430. Teen 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, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Santa Fe trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations have more infrequent physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below illustrates average Hyundai Santa Fe insurance rates for other coverage scenarios.

• The lowest rate with discounts is $665
• Choosing higher $1,000 deductibles can save approximately $1,010 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,122
• Choosing low $100 deductibles for comp and collision coverage increases the price to $1,338
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,430
• The price to insure a 16-year-old driver can cost as much as $4,458 each year

Auto insurance prices for a Hyundai Santa Fe are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing high deductibles can save as much as $330 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,300 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 129% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,520 on average in Florida, New York, and Michigan.

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

Getting lower rates on insurance for a Hyundai Santa Fe takes avoiding accidents and claims, having a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief recap of the car insurance concepts covered above.

• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,310 more annually to insure a Hyundai Santa Fe
• It is possible to save approximately $130 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $325 each year
• Insureds who want increased liability limits will pay about $520 annually to raise limits from a low limit to a 250/500 level