Hyundai Santa Fe Insurance Rates

U.S. average insurance rates for a Hyundai Santa Fe are $1,140 a year for full coverage insurance. Comprehensive insurance costs around $190, collision costs $328, and liability is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing $2,472 or more. Teenage drivers pay the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Price estimates for individual coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Santa Fe trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $673
• Choosing higher $1,000 deductibles can save about $118 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,140
• Using more expensive low deductibles for comp and collision coverage will cost an extra $226 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,472 or more
• The price for full coverage for a teen driver with full coverage can be $4,510 each year

Auto insurance prices for a Hyundai Santa Fe are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,500 a year. View Rates by Age

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 $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,540 on average in Michigan, New York, and Florida.

Using high physical damage deductibles can save as much as $350 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,400 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance ranges as much as 42% to 137% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

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 More Affordable Hyundai Santa Fe Insurance

Getting lower rates on car insurance takes being safe and accident-free, having good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a summary of the material that was touched on in the above illustrations.

• Policyholders who may need more liability protection will pay an extra $510 annually to raise limits from a low limit to 250/500 limits
• Youthful drivers are expensive to insure, as much as $376 a month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,330 more every year than a low-risk driver
• Increasing physical damage deductibles can save around $350 each year