Hyundai Santa Fe Insurance Rates

U.S. average auto insurance rates for a Hyundai Santa Fe are $1,122 annually for full coverage. Comprehensive costs on average $184 a year, collision insurance costs $306, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,430. Teen drivers pay the highest rates at up to $4,458 a year.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Santa Fe trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have fewer accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above show why it is important to get quotes based on a specific location and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below shows average Hyundai Santa Fe insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $665
• Choosing higher $1,000 deductibles can save around $1,010 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,122
• Choosing low $100 deductibles for comp and collision coverage will cost $1,338
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,430
• The price with full coverage for a teenage driver may cost $4,458 each year

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $330 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in 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 Idaho, Maine, and Iowa, or as much as $1,600 on average in Michigan, Louisiana, and New York.

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 Buy Affordable Hyundai Santa Fe Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a brief review of the coverage data raised in the charts and tables above.

• Drivers can save as much as $130 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $325 each year
• Teen drivers pay higher prices, with premiums as much as $372 a month if they have full coverage
• Drivers with DUI or reckless driving convictions may be required to pay an average of $1,310 more each year to insure their Santa Fe