Hyundai Santa Fe Insurance Rates

The average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months for full coverage insurance. Comprehensive insurance costs around $184 a year, collision costs $306, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver 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 for type of insurance:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities.

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

The examples above illustrate why it is important to get quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $665
• Choosing higher $1,000 deductibles can save about $1,010 each year
• The average price for a good driver age 40 using $500 deductibles is $1,122
• Using low $100 deductibles for comp and collision coverage costs an extra $216 a year
• High-risk insureds who are prone to accidents and violations could pay at least $2,430 or more
• Policy cost to insure a teen driver can be $4,458 each year

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

Using high physical damage deductibles can save as much as $330 each year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

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

Your home state plays a big part in determining prices for Hyundai Santa Fe insurance rates. A good driver about age 40 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.

Because rates have so much variability, the only way to figure out your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates 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 Shop for the Cheapest Hyundai Santa Fe Insurance

Finding cheaper rates on Hyundai Santa Fe insurance takes being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a recap of the material that was illustrated above.

• Drivers who may need more liability coverage will pay an extra $520 annually to raise limits from a 30/60 limit to a 250/500 level
• Teen drivers are expensive to insure, possibly costing $372 each month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents may pay on average $1,310 more every year to insure their Santa Fe
• Increasing comprehensive and collision deductibles could save as much as $325 each year