Hyundai Santa Fe Insurance Rates
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UPDATED: Apr 10, 2024
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Average insurance rates for a Hyundai Santa Fe are $1,140 a year including full coverage. Comprehensive insurance costs around $190 a year, collision insurance costs $328, and liability costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,472 or more. Teenage drivers receive the highest rates at up to $4,510 a year.
Average premium for full coverage: $1,140
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Santa Fe trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $514 for basic liability insurance to a high of $2,472 for coverage for higher-risk drivers.
Price Range by Location
Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance rates.
These examples highlight why it is important to compare prices for a specific zip code, instead of using average rates.
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.
Rate Comparisons
The chart below breaks down average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.
- The best discount rate is $673
- Using higher $1,000 deductibles will save about $1,022 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,140
- Using low $100 deductibles for physical damage coverage will cost an additional $226 every year
- Drivers who are prone to accidents and violations could pay at least $2,472
- The cost that insures a teen driver can be $4,510 or more
Insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level of your Santa Fe, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 137% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,500 a year. View Rates by Age
Where you live has a huge impact on Hyundai Santa Fe insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,630 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,032 | -$108 | -9.5% |
| Alaska | $874 | -$266 | -23.3% |
| Arizona | $948 | -$192 | -16.8% |
| Arkansas | $1,140 | -$0 | 0.0% |
| California | $1,300 | $160 | 14.0% |
| Colorado | $1,088 | -$52 | -4.6% |
| Connecticut | $1,172 | $32 | 2.8% |
| Delaware | $1,290 | $150 | 13.2% |
| Florida | $1,424 | $284 | 24.9% |
| Georgia | $1,050 | -$90 | -7.9% |
| Hawaii | $818 | -$322 | -28.2% |
| Idaho | $770 | -$370 | -32.5% |
| Illinois | $850 | -$290 | -25.4% |
| Indiana | $856 | -$284 | -24.9% |
| Iowa | $770 | -$370 | -32.5% |
| Kansas | $1,082 | -$58 | -5.1% |
| Kentucky | $1,554 | $414 | 36.3% |
| Louisiana | $1,686 | $546 | 47.9% |
| Maine | $702 | -$438 | -38.4% |
| Maryland | $940 | -$200 | -17.5% |
| Massachusetts | $914 | -$226 | -19.8% |
| Michigan | $1,978 | $838 | 73.5% |
| Minnesota | $952 | -$188 | -16.5% |
| Mississippi | $1,364 | $224 | 19.6% |
| Missouri | $1,010 | -$130 | -11.4% |
| Montana | $1,224 | $84 | 7.4% |
| Nebraska | $900 | -$240 | -21.1% |
| Nevada | $1,364 | $224 | 19.6% |
| New Hampshire | $820 | -$320 | -28.1% |
| New Jersey | $1,274 | $134 | 11.8% |
| New Mexico | $1,010 | -$130 | -11.4% |
| New York | $1,200 | $60 | 5.3% |
| North Carolina | $656 | -$484 | -42.5% |
| North Dakota | $932 | -$208 | -18.2% |
| Ohio | $786 | -$354 | -31.1% |
| Oklahoma | $1,170 | $30 | 2.6% |
| Oregon | $1,044 | -$96 | -8.4% |
| Pennsylvania | $1,086 | -$54 | -4.7% |
| Rhode Island | $1,520 | $380 | 33.3% |
| South Carolina | $1,032 | -$108 | -9.5% |
| South Dakota | $962 | -$178 | -15.6% |
| Tennessee | $998 | -$142 | -12.5% |
| Texas | $1,374 | $234 | 20.5% |
| Utah | $844 | -$296 | -26.0% |
| Vermont | $782 | -$358 | -31.4% |
| Virginia | $682 | -$458 | -40.2% |
| Washington | $880 | -$260 | -22.8% |
| West Virginia | $1,044 | -$96 | -8.4% |
| Wisconsin | $788 | -$352 | -30.9% |
| Wyoming | $1,016 | -$124 | -10.9% |
Using high physical damage deductibles could cut rates by as much as $350 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Santa Fe GLS 2WD | $1,056 | $88 |
| Hyundai Santa Fe GLS 4WD | $1,112 | $93 |
| Hyundai Santa Fe SE 2WD | $1,112 | $93 |
| Hyundai Santa Fe Limited 2WD | $1,140 | $95 |
| Hyundai Santa Fe SE 4WD | $1,140 | $95 |
| Hyundai Santa Fe Limited 4WD | $1,192 | $99 |
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 | $280 | $542 | $390 | $1,370 |
| 2023 Hyundai Santa Fe | $270 | $536 | $398 | $1,362 |
| 2022 Hyundai Santa Fe | $260 | $524 | $416 | $1,358 |
| 2021 Hyundai Santa Fe | $250 | $502 | $430 | $1,340 |
| 2019 Hyundai Santa Fe | $228 | $450 | $452 | $1,288 |
| 2018 Hyundai Santa Fe | $218 | $424 | $456 | $1,256 |
| 2017 Hyundai Santa Fe | $210 | $380 | $460 | $1,208 |
| 2016 Hyundai Santa Fe | $196 | $350 | $460 | $1,164 |
| 2015 Hyundai Santa Fe | $190 | $328 | $464 | $1,140 |
| 2013 Hyundai Santa Fe | $172 | $284 | $474 | $1,088 |
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 Find More Affordable Hyundai Santa Fe Insurance
Saving money on car insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare prices at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a summary of the primary concepts that were presented in the illustrations above.
- You may be able to save up to $130 per year just by quoting early and online
- Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,330 more every year to insure a Hyundai Santa Fe
- Increasing deductibles can save approximately $350 each year
- Drivers under the age of 20 pay higher rates, as much as $376 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,510 |
| 20 | $2,636 |
| 30 | $1,168 |
| 40 | $1,140 |
| 50 | $1,044 |
| 60 | $1,024 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,260 |
| $500 | $1,140 |
| $1,000 | $1,022 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,140 |
| 50/100 | $1,285 |
| 100/300 | $1,401 |
| 250/500 | $1,702 |
| 100 CSL | $1,331 |
| 300 CSL | $1,586 |
| 500 CSL | $1,772 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,384 |
| 20 | $4,204 |
| 30 | $2,504 |
| 40 | $2,472 |
| 50 | $2,364 |
| 60 | $2,342 |
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 | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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