Hyundai Santa Fe Insurance Rates

Average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months for full coverage insurance. Comprehensive costs on average $184, collision costs $306, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,430. Teen drivers receive the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Santa Fe models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than larger metro areas.

The example below illustrates how geographic area affects car insurance rates.

These examples illustrate why everyone should compare rates based on a specific location and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $665
• Drivers who choose higher $1,000 deductibles will pay around $112 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,122
• Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,338
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,430 or more
• The cost to insure a 16-year-old driver for full coverage may cost $4,458 a year

Insurance rates for a Hyundai Santa Fe can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Santa Fe.

Choosing high deductibles could save up to $330 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,300 to $1,900 extra per year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers can cost from 43% to 129% more than average. View High Risk Driver Rates

Where you live makes a big difference in Hyundai Santa Fe insurance prices. A 40-year-old driver could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,520 on average in Michigan, New York, and Florida.

With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every company uses a different rate calculation, so the rates can be significantly different.

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

Saving money on insurance for a Hyundai Santa Fe not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a recap of the primary concepts that were presented in the illustrations above.

• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk that have major violations or accidents pay on average $1,310 more each year for car insurance
• Increasing deductibles could save as much as $325 each year
• Teenagers pay the highest rates, costing up to $372 per month if they have full coverage