Hyundai Santa Fe Insurance Rates

U.S. average insurance rates for a Hyundai Santa Fe are $1,122 a year for full coverage insurance. Comprehensive costs on average $184 each year, collision costs $306, and liability insurance is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,430. Teens pay the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Santa Fe models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why all drivers should compare rates quotes based on a specific location, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $665
• Raising to $1,000 deductibles will save around $112 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,122
• Selecting low deductibles bumps up the cost to $1,338
• Higher-risk drivers with serious driving violations could pay upwards of $2,430 or more
• The price that insures a teen driver may cost $4,458

Insurance prices for a Hyundai Santa Fe are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,300 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age

The state you live in also has a big influence on Hyundai Santa Fe insurance rates. A middle-age driver might find prices as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,520 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, and prices may be quite 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 Find Low Cost Hyundai Santa Fe Insurance

Getting lower rates on Hyundai Santa Fe insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare rates every other policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a review of the ideas that were covered in the above illustrations.

• Teenagers pay higher prices, as much as $372 a month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,310 more each year for car insurance
• Increasing physical damage deductibles can save approximately $325 each year
• It is possible to save as much as $130 per year simply by quoting online in advance