Hyundai Santa Fe Insurance Rates

Estimated auto insurance rates for a Hyundai Santa Fe are $1,122 annually including full coverage. Comprehensive insurance costs on average $184 each year, collision costs $306, and liability coverage costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing $2,430 or more. Teenage drivers pay the most at $4,458 a year or more.

Average premium for full coverage: $1,122

Premium estimates by type of coverage:

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Santa Fe models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

These rate differences highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $665
• Drivers who choose higher $1,000 deductibles will pay around $112 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,122
• Using low deductibles for comprehensive and collision insurance costs an additional $216 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,430 or more
• An auto insurance policy with full coverage for a teenage driver may cost $4,458 a year

Car insurance prices for a Hyundai Santa Fe also have a wide range based on the model of your Santa Fe, your driving characteristics, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $330 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,600 on average in Michigan, New York, and Louisiana.

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

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

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around every other policy renewal by getting quotes from direct car insurance companies, and also from several local insurance agents.

The following is a brief review of the ideas that were raised in the charts and tables above.

• Teens are expensive to insure, with the cost nearing $372 per month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions pay on average $1,310 more each year for Santa Fe insurance
• Increasing policy deductibles could save up to $325 each year
• You may be able to save as much as $130 per year simply by quoting online in advance