Hyundai Santa Fe Insurance Rates

Estimated auto insurance rates for a Hyundai Santa Fe are $1,140 annually with full coverage. Comprehensive costs approximately $190, collision insurance costs $328, and liability is $464. A policy with only liability insurance costs around $514 a year, and a high-risk policy costs around $2,472. Teen drivers pay the most at up to $4,510 a year.

Average premium for full coverage: $1,140

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Santa Fe models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $673
• Raising to $1,000 deductibles will save $118 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,140
• Choosing pricier low deductibles will cost $1,366
• Drivers with multiple violations and an at-fault accident could pay around $2,472
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $4,510

Car insurance prices for a Hyundai Santa Fe also have a wide range based on the model of your Santa Fe, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,400 to $1,900 extra annually, depending on your age. Hyundai Santa Fe insurance for high-risk drivers is expensive and can cost from 42% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $350 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Hyundai Santa Fe insurance prices. A middle-age driver might find prices as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, 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 the Best Hyundai Santa Fe Insurance

Finding better rates on insurance for a Hyundai Santa Fe consists of being a low-risk driver, having a good credit score, being claim-free, and attention to physical damage deductibles. Set aside time to compare rates every time your policy renews by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the information covered above.

• You may be able to save around $130 per year just by quoting online well ahead of the renewal date
• Teen drivers pay the highest auto insurance prices, possibly costing $376 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $350 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,330 more per year to insure their Santa Fe
• Insureds who purchase more liability coverage will pay about $510 every year to raise from 30/60 bodily injury limits to higher 250/500 limits