Hyundai Santa Fe Insurance Rates

Estimated insurance rates for a Hyundai Santa Fe are $1,122 a year for full coverage. Comprehensive insurance costs an estimated $184 a year, collision insurance costs $306, and liability insurance costs around $474. A policy with only liability insurance costs as low as $522 a year, and a high-risk policy costs $2,430 or more. Teen drivers pay the most at up to $4,458 a year.

Average premium for full coverage: $1,122

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Santa Fe trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why it is important to compare prices for a targeted area, rather than relying on price averages.

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

Additional Rate Details

The chart below shows average Hyundai Santa Fe insurance rates for other coverage scenarios.

• The lowest rate with discounts is $665
• Using higher $1,000 deductibles will save approximately $1,010 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,122
• Choosing low $100 deductibles for physical damage coverage will cost an additional $216 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,430
• An auto insurance policy that insures a teen driver can cost as much as $4,458 or more

Car insurance prices for a Hyundai Santa Fe also have a wide range based on the trim level of your Santa Fe, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 129% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Hyundai Santa Fe insurance rates. A driver around age 40 might see prices as low as $740 a year in states like Iowa, Maine, and Idaho, or as much as $1,600 on average in New York, Louisiana, and Michigan.

Choosing high deductibles could cut prices by as much as $330 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheap Hyundai Santa Fe Insurance

Finding better rates on Hyundai Santa Fe insurance requires being safe and accident-free, having a positive credit history, not filing small claims, and possibly higher deductibles. Shop around once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the data that was covered above.

• Drivers can save approximately $130 per year just by quoting early and online
• Drivers who want more liability protection will pay about $520 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers have the highest car insurance prices, as much as $372 per month if full coverage is purchased
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,310 more annually than a low-risk driver