Hyundai Santa Fe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 10, 2024
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U.S. average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $184 a year, collision insurance costs $306, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,430 or more. 16-year-old drivers pay the highest rates at up to $4,458 a year.
Average premium for full coverage: $1,122
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Santa Fe trim levels.
Price Range from Low to High
For a 40-year-old driver, Hyundai Santa Fe insurance prices range from the cheapest price of $522 for liability-only coverage to a high of $2,430 for a high-risk driver policy.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The diagram below illustrates how your location can change auto insurance prices.
The ranges above illustrate why it is important to compare rates using their specific location and their own driving history, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates average Hyundai Santa Fe insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $665
- Drivers who choose higher $1,000 deductibles will pay $1,010 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,122
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $216 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,430
- The price to insure a teen driver can cost $4,458 a year
Car insurance prices for a Hyundai Santa Fe are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Santa Fe.
Opting for high physical damage deductibles could save up to $330 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability 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
Older drivers with no driving violations and higher deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Hyundai Santa Fe insurance prices. A 40-year-old driver could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,520 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,014 | -$108 | -9.6% |
| Alaska | $860 | -$262 | -23.4% |
| Arizona | $932 | -$190 | -16.9% |
| Arkansas | $1,122 | -$0 | 0.0% |
| California | $1,278 | $156 | 13.9% |
| Colorado | $1,072 | -$50 | -4.5% |
| Connecticut | $1,154 | $32 | 2.9% |
| Delaware | $1,270 | $148 | 13.2% |
| Florida | $1,404 | $282 | 25.1% |
| Georgia | $1,034 | -$88 | -7.8% |
| Hawaii | $806 | -$316 | -28.2% |
| Idaho | $758 | -$364 | -32.4% |
| Illinois | $836 | -$286 | -25.5% |
| Indiana | $844 | -$278 | -24.8% |
| Iowa | $756 | -$366 | -32.6% |
| Kansas | $1,068 | -$54 | -4.8% |
| Kentucky | $1,530 | $408 | 36.4% |
| Louisiana | $1,660 | $538 | 48.0% |
| Maine | $692 | -$430 | -38.3% |
| Maryland | $924 | -$198 | -17.6% |
| Massachusetts | $898 | -$224 | -20.0% |
| Michigan | $1,948 | $826 | 73.6% |
| Minnesota | $938 | -$184 | -16.4% |
| Mississippi | $1,344 | $222 | 19.8% |
| Missouri | $996 | -$126 | -11.2% |
| Montana | $1,204 | $82 | 7.3% |
| Nebraska | $884 | -$238 | -21.2% |
| Nevada | $1,346 | $224 | 20.0% |
| New Hampshire | $808 | -$314 | -28.0% |
| New Jersey | $1,254 | $132 | 11.8% |
| New Mexico | $994 | -$128 | -11.4% |
| New York | $1,182 | $60 | 5.3% |
| North Carolina | $646 | -$476 | -42.4% |
| North Dakota | $920 | -$202 | -18.0% |
| Ohio | $774 | -$348 | -31.0% |
| Oklahoma | $1,154 | $32 | 2.9% |
| Oregon | $1,028 | -$94 | -8.4% |
| Pennsylvania | $1,072 | -$50 | -4.5% |
| Rhode Island | $1,496 | $374 | 33.3% |
| South Carolina | $1,016 | -$106 | -9.4% |
| South Dakota | $948 | -$174 | -15.5% |
| Tennessee | $984 | -$138 | -12.3% |
| Texas | $1,352 | $230 | 20.5% |
| Utah | $830 | -$292 | -26.0% |
| Vermont | $768 | -$354 | -31.6% |
| Virginia | $672 | -$450 | -40.1% |
| Washington | $868 | -$254 | -22.6% |
| West Virginia | $1,028 | -$94 | -8.4% |
| Wisconsin | $778 | -$344 | -30.7% |
| Wyoming | $1,000 | -$122 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Santa Fe GLS 2WD | $1,044 | $87 |
| Hyundai Santa Fe GLS 4WD | $1,096 | $91 |
| Hyundai Santa Fe SE 2WD | $1,096 | $91 |
| Hyundai Santa Fe Limited 2WD | $1,122 | $94 |
| Hyundai Santa Fe SE 4WD | $1,122 | $94 |
| Hyundai Santa Fe Limited 4WD | $1,174 | $98 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Fe | $270 | $536 | $398 | $1,362 |
| 2023 Hyundai Santa Fe | $260 | $524 | $416 | $1,358 |
| 2022 Hyundai Santa Fe | $250 | $502 | $430 | $1,340 |
| 2021 Hyundai Santa Fe | $238 | $484 | $442 | $1,322 |
| 2019 Hyundai Santa Fe | $218 | $424 | $456 | $1,256 |
| 2018 Hyundai Santa Fe | $210 | $380 | $460 | $1,208 |
| 2017 Hyundai Santa Fe | $196 | $350 | $460 | $1,164 |
| 2016 Hyundai Santa Fe | $190 | $328 | $464 | $1,140 |
| 2015 Hyundai Santa Fe | $184 | $306 | $474 | $1,122 |
| 2013 Hyundai Santa Fe | $166 | $258 | $478 | $1,060 |
Rates are averaged for all Hyundai Santa Fe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Hyundai Santa Fe Insurance
Getting lower rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Invest the time to shop around every time your policy renews by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a brief recap of the information illustrated above.
- It is possible to save around $130 per year just by quoting early and online
- Teenagers pay the highest auto insurance prices, as much as $372 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $325 each year
- Higher risk drivers who tend to receive serious violations may have to pay on average $1,310 more per year for car insurance
- Policyholders who purchase higher liability limits will pay around $520 annually to go from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,458 |
| 20 | $2,590 |
| 30 | $1,150 |
| 40 | $1,122 |
| 50 | $1,028 |
| 60 | $1,008 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,238 |
| $500 | $1,122 |
| $1,000 | $1,010 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,122 |
| 50/100 | $1,269 |
| 100/300 | $1,387 |
| 250/500 | $1,695 |
| 100 CSL | $1,316 |
| 300 CSL | $1,577 |
| 500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,308 |
| 20 | $4,132 |
| 30 | $2,460 |
| 40 | $2,430 |
| 50 | $2,324 |
| 60 | $2,302 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $52 |
| Online Quote | $77 |
| Total Discounts | $457 |
Discounts are estimated and may not be available from every company or in every state.
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