Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,140 a year for full coverage insurance. Comprehensive costs approximately $190, collision costs $328, and liability is estimated at $464. Liability-only insurance costs approximately $514 a year, with high-risk driver insurance costing around $2,472. 16-year-old drivers cost the most to insure at $4,510 a year or more.

Average premium for full coverage: $1,140

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Santa Fe models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why everyone should get quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Hyundai Santa Fe insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $673
• Choosing higher $1,000 deductibles can save $118 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,140
• Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,366
• Higher-risk drivers with multiple tickets or accidents could pay around $2,472 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $4,510 each year

Auto insurance rates for a Hyundai Santa Fe also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,540 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles can save as much as $350 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers ranges from 42% to 137% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 Find the Best Cheap Hyundai Santa Fe Insurance

Finding cheaper rates on insurance for a Hyundai Santa Fe takes being a good driver, having good credit, being claim-free, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 have the highest car insurance rates, possibly costing $376 each month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,330 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $350 each year
• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date