Hyundai Santa Fe Insurance Rates

Average insurance rates for a Hyundai Santa Fe are $1,122 a year with full coverage. Comprehensive costs on average $184, collision costs $306, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,430. Teenage drivers receive the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Santa Fe trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below details estimated Hyundai Santa Fe insurance rates for different risk profiles and scenarios.

• The best discount rate is $665
• Drivers who choose higher $1,000 deductibles will pay around $112 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,122
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,338
• High risk drivers who are prone to accidents and violations could pay upwards of $2,430 or more
• The cost that insures a teen driver with full coverage may cost $4,458 a year

Insurance rates for a Hyundai Santa Fe can also vary considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,400 a year. View Rates by Age

Where you live makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver 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 could save up to $330 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates can be significantly different.

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 Right Hyundai Santa Fe Insurance

Saving money on Hyundai Santa Fe insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Compare prices every other policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a quick rundown of the ideas that were illustrated above.

• Drivers under the age of 20 pay the highest rates, with premiums as much as $372 per month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay on average $1,310 more each year to insure a Hyundai Santa Fe
• Increasing deductibles can save approximately $325 each year
• You may be able to save as much as $130 per year simply by shopping early and online