Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,122 a year with full coverage. Comprehensive costs approximately $184, collision insurance costs $306, and liability coverage is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,430. Teens cost the most to insure at up to $4,458 a year.

Average premium for full coverage: $1,122

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance prices.

The examples above demonstrate why everyone should compare rates quotes using their specific location, rather than using averaged prices.

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

More Rate Details

The chart below details average Hyundai Santa Fe insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $665
• Raising to $1,000 deductibles will save $112 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,122
• Selecting pricier low deductibles bumps up the cost to $1,338
• Unlucky drivers with serious driving violations could pay around $2,430
• Policy cost that insures a teenage driver for full coverage can cost $4,458

Insurance rates for a Hyundai Santa Fe also range considerably based on the model of your Santa Fe, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,300 to $1,900 additional every year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers is expensive and can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state also has a big influence on Hyundai Santa Fe insurance rates. A middle-age driver might find rates as low as $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,520 on average in New York, Michigan, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates at least every other year by getting rate quotes from direct companies, and also from local insurance agencies.

Below is a review of the car insurance concepts illustrated above.

• Drivers who have several accidents or serious violations may have to pay on average $1,310 more per year for auto insurance
• You may be able to save around $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Consumers who purchase higher levels of liability will pay approximately $520 every year to raise from a 30/60 limit to the 250/500 level