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Hyundai Santa Fe Insurance Rates

Hyundai Santa Fe insurance

U.S. average insurance prices for a Hyundai Santa Fe are $1,370 every 12 months for full coverage. Comprehensive insurance costs an estimated $280, collision costs $542, and liability coverage is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing $2,970 or more. 16-year-old drivers pay the highest rates at $5,128 a year or more.

Average premium for full coverage: $1,370

Price estimates broken down by individual coverage:

Comprehensive $280
Collision $542
Liability $390

These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Santa Fe trim levels.

Price Range from Low to High

For the normal driver, Hyundai Santa Fe insurance prices go from the cheapest price of $452 for minimum levels of liability insurance to a much higher rate of $2,970 for a driver who requires high-risk insurance.

Liability Only $452
Full Coverage $1,370
High Risk $2,970

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations have more infrequent accident claims than congested cities.

The price range example below illustrates how geographic area affects insurance prices.

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using rate averages.

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Additional Rate Details

The chart below shows estimated Hyundai Santa Fe insurance rates for other coverage scenarios.

  • The best full coverage rate is $786
  • Raising to $1,000 deductibles will save approximately $186 a year
  • The average price for the average middle-age driver who has $500 deductibles is $1,370
  • Buying more expensive low deductibles costs an extra $362 each year
  • Unlucky drivers with multiple tickets or accidents could pay up to $2,970 or more
  • The price to insure a teenage driver with full coverage can cost as much as $5,128

View Chart as Image

Hyundai Santa Fe insurance cost comparison chart
Column chart showing full coverage Hyundai Santa Fe insurance prices range from $786 to $5,128

Auto insurance prices for a Hyundai Santa Fe are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce prices by up to $550 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Hyundai Santa Fe insurance rates. A middle-age driver might find prices as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,960 on average in New York, Louisiana, and Michigan.

Hyundai Santa Fe Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
New Hampshire$986-$384-28.0%
New Jersey$1,532$16211.8%
New Mexico$1,214-$156-11.4%
New York$1,444$745.4%
North Carolina$790-$580-42.3%
North Dakota$1,122-$248-18.1%
Rhode Island$1,828$45833.4%
South Carolina$1,242-$128-9.3%
South Dakota$1,154-$216-15.8%
West Virginia$1,256-$114-8.3%

View Chart as Image

Hyundai Santa Fe insurance rates by U.S. city

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Hyundai Santa Fe Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Hyundai Santa Fe GLS 2WD$1,242$104
Hyundai Santa Fe GLS 4WD$1,328$111
Hyundai Santa Fe SE 2WD$1,328$111
Hyundai Santa Fe Limited 2WD$1,370$114
Hyundai Santa Fe SE 4WD$1,370$114
Hyundai Santa Fe Limited 4WD$1,454$121

Rates assume 2018 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.

Hyundai Santa Fe Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 Hyundai Santa Fe$280$542$390$1,370
2017 Hyundai Santa Fe$270$536$398$1,362
2016 Hyundai Santa Fe$260$524$416$1,358
2015 Hyundai Santa Fe$250$502$430$1,340
2014 Hyundai Santa Fe$238$484$442$1,322
2013 Hyundai Santa Fe$228$450$452$1,288
2012 Hyundai Santa Fe$218$424$456$1,256
2011 Hyundai Santa Fe$210$380$460$1,208
2010 Hyundai Santa Fe$196$350$460$1,164
2009 Hyundai Santa Fe$190$328$464$1,140
2008 Hyundai Santa Fe$184$306$474$1,122
2007 Hyundai Santa Fe$172$284$474$1,088
2006 Hyundai Santa Fe$166$258$478$1,060
2005 Hyundai Santa Fe$156$236$474$1,024
2004 Hyundai Santa Fe$146$214$474$992
2003 Hyundai Santa Fe$142$192$468$960
2002 Hyundai Santa Fe$140$188$460$946
2001 Hyundai Santa Fe$136$178$452$924

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 Cheap Hyundai Santa Fe Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief summary of the concepts that were presented in the illustrations above.

  • Drivers that tend to have accidents or serious violations pay on average $1,600 more annually for Santa Fe insurance
  • Teens are the costliest to insure, with premiums as much as $427 a month if comprehensive and collision insurance is included
  • Drivers can save approximately $170 per year simply by shopping early and online
  • Increasing physical damage deductibles could save as much as $550 each year
  • Drivers can save approximately $170 per year simply by shopping early and online

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Rates by Driver Age

Hyundai Santa Fe Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Santa Fe Insurance Rates with Different Deductibles

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Santa Fe Insurance Rates with Different Liability Limits
Liability LimitPremium
100 CSL$1,571
300 CSL$1,786
500 CSL$1,942

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Santa Fe Insurance Rates for High Risk Drivers

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.

SR-22 Surcharge $192

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

5-yr Accident Free$102
5-yr Claim Free$89
Paid in Full/EFT$63
Advance Quote$68
Online Quote$97
Total Discounts$584
Rate after discounts $786

Discounts are estimated and may not be available from every company or in every state.

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