Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,122 a year for full coverage. Comprehensive insurance costs approximately $184 each year, collision insurance costs $306, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,430 or more. Teenage drivers cost the most to insure at up to $4,458 a year.

Average premium for full coverage: $1,122

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location, rather than using average rates.

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

Additional Rate Details

The chart below shows average Hyundai Santa Fe insurance rates for additional coverage and risk scenarios.

• The best discount rate is $665
• Raising to $1,000 deductibles will save $112 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,122
• Using low deductibles will cost an additional $216 each year
• Unlucky drivers who are prone to accidents and violations could pay around $2,430
• Policy cost that insures a teenage driver can cost $4,458

Insurance rates for a Hyundai Santa Fe also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state also has a big influence on Hyundai Santa Fe insurance rates. A middle-age driver might find rates as low as $740 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,600 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles can reduce rates by up to $330 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

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 Cheapest Hyundai Santa Fe Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at every other renewal by getting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a recap of the concepts that were covered above.

• Drivers that have major violations or accidents could be forced to pay on average $1,310 more per year than a low-risk driver
• Youthful drivers are expensive to insure, costing up to $372 each month if full coverage is included
• Drivers can save around $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers can save around $130 per year just by quoting online in advance