Hyundai Santa Fe Insurance Rates

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

Average premium for full coverage: $1,122

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $665
• Choosing higher $1,000 deductibles can save $112 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,122
• Selecting low deductibles for comp and collision coverage will cost $1,338
• High-risk insureds with serious driving violations could pay around $2,430
• The price with full coverage for a teen driver can cost $4,458 each year

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

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,900 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 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 $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.

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 Low Cost Hyundai Santa Fe Insurance

Getting lower rates on Hyundai Santa Fe insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the car insurance concepts touched on in the above illustrations.

• High-risk drivers who have several accidents or serious violations may pay on average $1,310 more per year to insure their Santa Fe
• You may be able to save around $130 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $325 each year
• Drivers who purchase more liability coverage will pay approximately $520 every year to raise limits from a low limit to higher 250/500 limits