Hyundai Santa Fe Insurance Rates

U.S. average insurance prices for a Hyundai Santa Fe are $1,122 every 12 months including full coverage. Comprehensive insurance costs on average $184 each year, collision insurance costs $306, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,430 or more. Teenage drivers pay the highest rates at up to $4,458 a year.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Santa Fe models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

The ranges above highlight why all drivers should compare prices based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $665
• Using higher $1,000 deductibles will save around $112 every year
• The average price for the average middle-age driver with $500 deductibles is $1,122
• Using low deductibles for physical damage coverage costs an extra $216 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,430
• The price to insure a teen driver may cost $4,458 or more

Insurance prices for a Hyundai Santa Fe are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Santa Fe.

Using high physical damage deductibles could cut prices by as much as $330 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Hyundai Santa Fe insurance prices. A driver around age 40 might see prices 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.

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 Shop for Cheap Hyundai Santa Fe Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates at least once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $130 per year just by quoting online in advance
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,310 more each year for auto insurance
• Increasing physical damage deductibles could save as much as $325 each year
• Teenage drivers pay higher prices, possibly costing $372 a month if full coverage is included