Hyundai Santa Fe Insurance Rates

The average auto insurance rates for a Hyundai Santa Fe are $1,140 annually for full coverage insurance. Comprehensive costs on average $190 a year, collision insurance costs $328, and liability insurance costs around $464. Buying just liability costs as low as $514 a year, and insurance for high-risk drivers costs around $2,472. Teens cost the most to insure at up to $4,510 a year.

Average premium for full coverage: $1,140

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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 different risk profiles and scenarios.

• The cheapest rate after discounts is $673
• Using higher $1,000 deductibles will save around $1,022 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,140
• Selecting low $100 deductibles for physical damage coverage will cost $1,366
• Drivers with serious driving violations could pay upwards of $2,472
• Policy cost with full coverage for a teen driver may cost $4,510 or more

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

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Hyundai Santa Fe insurance rates. A driver around age 40 might see rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,540 on average in Michigan, New York, and Florida.

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 Cheaper Hyundai Santa Fe Insurance

Finding cheaper rates on Hyundai Santa Fe insurance requires having a decent driving record, having a good credit history, being claim-free, and determing if full coverage is necessary. Set aside time to shop around at every other renewal by getting price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a condensed summary of the concepts that were raised in the charts and tables above.

• High-risk drivers with multiple at-fault accidents may pay on average $1,330 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay the highest rates, possibly costing $376 each month including comprehensive and collision insurance
• It is possible to save as much as $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• It is possible to save as much as $130 per year just by quoting early and online