Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,122 a year including full coverage. Comprehensive insurance costs on average $184 a year, collision costs $306, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,430 or more. Teenage drivers cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,122

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

The examples above highlight why it is important to get quotes based on a specific location, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down estimated Hyundai Santa Fe insurance rates for different risk profiles and scenarios.

• The best discount rate is $665
• Choosing higher $1,000 deductibles can save around $1,010 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,122
• Using low $100 deductibles for comp and collision coverage will cost an additional $216 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,430 or more
• Policy cost that insures a 16-year-old driver may cost $4,458 each year

Car insurance rates for a Hyundai Santa Fe also range considerably based on the trim level of your Santa Fe, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,600 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles can save as much as $330 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

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 the Best Hyundai Santa Fe Insurance

Finding cheaper rates on insurance for a Hyundai Santa Fe takes being a good driver, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices every couple of years by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the material that was illustrated above.

• Insureds who require an increased level of liability coverage will pay an extra $520 per year to raise limits from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $372 each month if full coverage is purchased
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,310 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $325 each year