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 insurance costs on average $184 each year, collision costs $306, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing $2,430 or more. Teenage drivers pay the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Santa Fe models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how location helps determine car insurance rates.

The ranges above illustrate why all drivers should compare prices based on a specific location and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $665
• Using higher $1,000 deductibles will save around $112 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,122
• Using low deductibles for physical damage coverage will cost an extra $216 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,430 or more
• The price for full coverage for a teen driver may cost $4,458 or more

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

More mature drivers with no driving violations and high deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,400 a year. View Rates by Age

The state you live in 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,520 on average in Michigan, New York, and Florida.

Using high physical damage deductibles could cut prices by as much as $330 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

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. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 Right Hyundai Santa Fe Insurance

Getting lower rates on Hyundai Santa Fe insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a quick rundown of the data that was covered in the charts and tables above.

• It is possible to save as much as $130 per year simply by quoting online in advance
• Drivers who require increased liability limits will pay an extra $520 annually to increase from a low limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, as much as $372 a month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,310 more each year to insure a Hyundai Santa Fe