Hyundai Santa Fe Insurance Rates

Average auto insurance rates for a Hyundai Santa Fe are $1,164 annually for full coverage. Comprehensive insurance costs approximately $196, collision insurance costs $350, and liability is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs $2,524 or more. Teenage drivers receive the highest rates at up to $4,584 a year.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Santa Fe models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities. The example below illustrates how location helps determine auto insurance prices.

These examples show why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $685
• Raising to $1,000 deductibles will save $124 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,164
• Using pricier low deductibles costs an additional $238 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,524
• The cost with full coverage for a teen driver for full coverage can cost $4,584

Insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level of your Santa Fe, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $370 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Hyundai Santa Fe insurance prices. A middle-age driver might find rates as low as $770 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,660 on average in New York, Louisiana, and Michigan.

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 Cheap Hyundai Santa Fe Insurance

Saving money on car insurance consists of being a good driver, having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest time comparing rates at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The following list is a brief summary of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations pay on average $1,360 more per year than a safer driver
• Drivers can save around $140 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $350 each year
• Policyholders who purchase an increased level of liability coverage will pay an extra $510 each year to raise from a minimum limit to higher 250/500 limits