Hyundai Santa Fe Insurance Rates

The average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months with full coverage. Comprehensive insurance costs an estimated $184, collision costs $306, and liability insurance costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing $2,430 or more. Teen drivers cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,122

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying on price averages.

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

Rate Comparisons

The chart below details estimated Hyundai Santa Fe insurance rates for other coverage scenarios.

• The lowest rate with discounts is $665
• Drivers who choose higher $1,000 deductibles will pay approximately $112 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,122
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $216 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,430 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $4,458 a year

Auto insurance rates for a Hyundai Santa Fe also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing high deductibles could save up to $330 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,300 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates

Your home state 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 Utah, Ohio, and New Hampshire, or as much as $1,520 on average in New York, Michigan, and Florida.

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. Every company uses a different rate calculation, and quoted rates will be varied.

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 Cheap Hyundai Santa Fe Insurance

Finding cheaper rates on Hyundai Santa Fe insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the information covered above.

• You may be able to save approximately $130 per year simply by shopping early and online
• Teenagers are the costliest to insure, as much as $372 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,310 more annually for car insurance
• Drivers who want higher liability limits will pay about $520 every year to go from a 30/60 limit to a 250/500 level