Hyundai Santa Fe Insurance Rates

The average auto insurance rates for a Hyundai Santa Fe are $1,122 annually for full coverage insurance. Comprehensive costs around $184 each year, collision insurance costs $306, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,430. Teenage drivers cost the most to insure at up to $4,458 a year.

Average premium for full coverage: $1,122

Policy rates for type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.

The examples above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

• The best discount rate is $665
• Drivers who choose higher $1,000 deductibles will pay about $112 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,122
• Using low deductibles for comprehensive and collision insurance will cost $1,338
• Drivers who are prone to accidents and violations could pay at least $2,430
• Policy cost with full coverage for a 16-year-old driver can be $4,458 a year

Car insurance rates for a Hyundai Santa Fe also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $330 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Hyundai Santa Fe insurance prices. A 40-year-old driver could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,520 on average in Michigan, New York, 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 Affordable Hyundai Santa Fe Insurance

Finding cheaper rates on insurance for a Hyundai Santa Fe not only requires being a low-risk driver, but also having a good credit score, being claim-free, and consideration of higher deductibles. Invest the time to shop around at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief review of the concepts that were illustrated above.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,310 more every year to insure their Santa Fe
• Teen drivers are the costliest to insure, possibly costing $372 each month if comprehensive and collision insurance is included
• It is possible to save up to $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• It is possible to save up to $130 per year just by quoting online in advance