Hyundai Santa Fe Insurance Rates

U.S. average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months including full coverage. Comprehensive costs approximately $184 a year, collision costs $306, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,430. Teenage drivers pay the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. 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 car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to get quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below breaks down estimated Hyundai Santa Fe insurance rates for additional coverage and risk scenarios.

• The best discount rate is $665
• Choosing higher $1,000 deductibles can save $1,010 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,122
• Using low $100 deductibles for comp and collision coverage increases the price to $1,338
• Higher-risk drivers who are prone to accidents and violations could pay around $2,430 or more
• The price to insure a 16-year-old driver can cost $4,458 each year

Insurance prices for a Hyundai Santa Fe are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Santa Fe.

Using high physical damage deductibles can save as much as $330 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 129% more than a normal policy. 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 $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.

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices may be quite 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 Shop for the Best Cheap Hyundai Santa Fe Insurance

Getting lower rates on insurance for a Hyundai Santa Fe takes being safe and accident-free, having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below you'll find a quick review of the ideas that were covered above.

• Youthful drivers are expensive to insure, possibly costing $372 a month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,310 more per year than a low-risk driver
• Increasing physical damage deductibles could save as much as $325 each year
• You may be able to save around $130 per year simply by quoting early and online