Hyundai Santa Fe Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average auto insurance rates for a Hyundai Santa Fe are $1,122 annually including full coverage. Comprehensive costs around $184, collision insurance costs $306, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,430. 16-year-old drivers receive the highest rates at up to $4,458 a year.
Average premium for full coverage: $1,122
Rate estimates for individual coverage type:
Rates are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Santa Fe models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $522 for basic liability insurance to the much higher price of $2,430 for high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities. The example below illustrates how your location can change auto insurance rates.
These examples highlight why everyone should compare prices for a specific zip code and their own personal driving habits, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $665
- Using higher $1,000 deductibles will save about $112 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,122
- Buying pricier low deductibles for physical damage coverage will cost $1,338
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,430
- The cost with full coverage for a teenage driver for full coverage can be $4,458 or more
Insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level of your Santa Fe, your driving characteristics, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,300 to $1,900 extra per year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers can be around 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $330 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Hyundai Santa Fe insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,600 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,014 | -$108 | -9.6% |
| Alaska | $860 | -$262 | -23.4% |
| Arizona | $932 | -$190 | -16.9% |
| Arkansas | $1,122 | -$0 | 0.0% |
| California | $1,278 | $156 | 13.9% |
| Colorado | $1,072 | -$50 | -4.5% |
| Connecticut | $1,154 | $32 | 2.9% |
| Delaware | $1,270 | $148 | 13.2% |
| Florida | $1,404 | $282 | 25.1% |
| Georgia | $1,034 | -$88 | -7.8% |
| Hawaii | $806 | -$316 | -28.2% |
| Idaho | $758 | -$364 | -32.4% |
| Illinois | $836 | -$286 | -25.5% |
| Indiana | $844 | -$278 | -24.8% |
| Iowa | $756 | -$366 | -32.6% |
| Kansas | $1,068 | -$54 | -4.8% |
| Kentucky | $1,530 | $408 | 36.4% |
| Louisiana | $1,660 | $538 | 48.0% |
| Maine | $692 | -$430 | -38.3% |
| Maryland | $924 | -$198 | -17.6% |
| Massachusetts | $898 | -$224 | -20.0% |
| Michigan | $1,948 | $826 | 73.6% |
| Minnesota | $938 | -$184 | -16.4% |
| Mississippi | $1,344 | $222 | 19.8% |
| Missouri | $996 | -$126 | -11.2% |
| Montana | $1,204 | $82 | 7.3% |
| Nebraska | $884 | -$238 | -21.2% |
| Nevada | $1,346 | $224 | 20.0% |
| New Hampshire | $808 | -$314 | -28.0% |
| New Jersey | $1,254 | $132 | 11.8% |
| New Mexico | $994 | -$128 | -11.4% |
| New York | $1,182 | $60 | 5.3% |
| North Carolina | $646 | -$476 | -42.4% |
| North Dakota | $920 | -$202 | -18.0% |
| Ohio | $774 | -$348 | -31.0% |
| Oklahoma | $1,154 | $32 | 2.9% |
| Oregon | $1,028 | -$94 | -8.4% |
| Pennsylvania | $1,072 | -$50 | -4.5% |
| Rhode Island | $1,496 | $374 | 33.3% |
| South Carolina | $1,016 | -$106 | -9.4% |
| South Dakota | $948 | -$174 | -15.5% |
| Tennessee | $984 | -$138 | -12.3% |
| Texas | $1,352 | $230 | 20.5% |
| Utah | $830 | -$292 | -26.0% |
| Vermont | $768 | -$354 | -31.6% |
| Virginia | $672 | -$450 | -40.1% |
| Washington | $868 | -$254 | -22.6% |
| West Virginia | $1,028 | -$94 | -8.4% |
| Wisconsin | $778 | -$344 | -30.7% |
| Wyoming | $1,000 | -$122 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Santa Fe GLS 2WD | $1,044 | $87 |
| Hyundai Santa Fe GLS 4WD | $1,096 | $91 |
| Hyundai Santa Fe SE 2WD | $1,096 | $91 |
| Hyundai Santa Fe Limited 2WD | $1,122 | $94 |
| Hyundai Santa Fe SE 4WD | $1,122 | $94 |
| Hyundai Santa Fe Limited 4WD | $1,174 | $98 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Fe | $270 | $536 | $398 | $1,362 |
| 2023 Hyundai Santa Fe | $260 | $524 | $416 | $1,358 |
| 2022 Hyundai Santa Fe | $250 | $502 | $430 | $1,340 |
| 2021 Hyundai Santa Fe | $238 | $484 | $442 | $1,322 |
| 2019 Hyundai Santa Fe | $218 | $424 | $456 | $1,256 |
| 2018 Hyundai Santa Fe | $210 | $380 | $460 | $1,208 |
| 2017 Hyundai Santa Fe | $196 | $350 | $460 | $1,164 |
| 2016 Hyundai Santa Fe | $190 | $328 | $464 | $1,140 |
| 2015 Hyundai Santa Fe | $184 | $306 | $474 | $1,122 |
| 2013 Hyundai Santa Fe | $166 | $258 | $478 | $1,060 |
Rates are averaged for all Hyundai Santa Fe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Hyundai Santa Fe Insurance
Saving money on auto insurance requires being a good driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a quick review of the material that was illustrated above.
- Consumers who may need an increased level of liability coverage will pay around $520 per year to increase from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 pay higher rates, as much as $372 per month including comprehensive and collision insurance
- Drivers with a DUI or reckless driving violation may pay on average $1,310 more every year than a safer driver
- Increasing deductibles could save up to $325 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,458 |
| 20 | $2,590 |
| 30 | $1,150 |
| 40 | $1,122 |
| 50 | $1,028 |
| 60 | $1,008 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,238 |
| $500 | $1,122 |
| $1,000 | $1,010 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,122 |
| 50/100 | $1,269 |
| 100/300 | $1,387 |
| 250/500 | $1,695 |
| 100 CSL | $1,316 |
| 300 CSL | $1,577 |
| 500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,308 |
| 20 | $4,132 |
| 30 | $2,460 |
| 40 | $2,430 |
| 50 | $2,324 |
| 60 | $2,302 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $52 |
| Online Quote | $77 |
| Total Discounts | $457 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
