Hyundai Santa Fe Insurance Rates
U.S. average insurance prices for a Hyundai Santa Fe are $1,320 every 12 months for full coverage. Comprehensive insurance costs an estimated $280, collision costs $534, and liability coverage is $354. Liability-only coverage costs around $416 a year, with high-risk coverage costing $2,854 or more. 16-year-old drivers pay the highest rates at $4,894 a year or more.
Average premium for full coverage: $1,320
Price estimates broken down by individual coverage:
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 $416 for minimum levels of liability insurance to a much higher rate of $2,854 for a driver who requires high-risk insurance.
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.
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.
Use the form below to get customized rates for your location.
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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 $757
- 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 $1,320
- Buying more expensive low deductibles costs an extra $358 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,854 or more
- The price to insure a teenage driver with full coverage can cost as much as $4,894
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 $318 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 $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $4,800 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 $2,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 135% 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 $940 a year in states like Iowa, Maine, and Idaho, or at least $2,100 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$54 | -4.1% |
| Alaska | $1,082 | -$238 | -18.0% |
| Arizona | $1,322 | $2 | 0.2% |
| Arkansas | $1,336 | $16 | 1.2% |
| California | $1,480 | $160 | 12.1% |
| Colorado | $1,370 | $50 | 3.8% |
| Connecticut | $1,726 | $406 | 30.8% |
| Delaware | $1,604 | $284 | 21.5% |
| Florida | $1,780 | $460 | 34.8% |
| Georgia | $1,308 | -$12 | -0.9% |
| Hawaii | $1,424 | $104 | 7.9% |
| Idaho | $916 | -$404 | -30.6% |
| Illinois | $980 | -$340 | -25.8% |
| Indiana | $940 | -$380 | -28.8% |
| Iowa | $992 | -$328 | -24.8% |
| Kansas | $1,212 | -$108 | -8.2% |
| Kentucky | $1,708 | $388 | 29.4% |
| Louisiana | $2,136 | $816 | 61.8% |
| Maine | $904 | -$416 | -31.5% |
| Maryland | $1,356 | $36 | 2.7% |
| Massachusetts | $1,162 | -$158 | -12.0% |
| Michigan | $2,424 | $1,104 | 83.6% |
| Minnesota | $1,158 | -$162 | -12.3% |
| Mississippi | $1,292 | -$28 | -2.1% |
| Missouri | $1,124 | -$196 | -14.8% |
| Montana | $1,196 | -$124 | -9.4% |
| Nebraska | $1,086 | -$234 | -17.7% |
| Nevada | $1,702 | $382 | 28.9% |
| New Hampshire | $1,076 | -$244 | -18.5% |
| New Jersey | $1,312 | -$8 | -0.6% |
| New Mexico | $1,224 | -$96 | -7.3% |
| New York | $1,716 | $396 | 30.0% |
| North Carolina | $936 | -$384 | -29.1% |
| North Dakota | $1,282 | -$38 | -2.9% |
| Ohio | $928 | -$392 | -29.7% |
| Oklahoma | $1,602 | $282 | 21.4% |
| Oregon | $1,234 | -$86 | -6.5% |
| Pennsylvania | $1,484 | $164 | 12.4% |
| Rhode Island | $1,600 | $280 | 21.2% |
| South Carolina | $1,228 | -$92 | -7.0% |
| South Dakota | $1,034 | -$286 | -21.7% |
| Tennessee | $1,186 | -$134 | -10.2% |
| Texas | $1,266 | -$54 | -4.1% |
| Utah | $1,168 | -$152 | -11.5% |
| Vermont | $938 | -$382 | -28.9% |
| Virginia | $948 | -$372 | -28.2% |
| Washington | $1,162 | -$158 | -12.0% |
| West Virginia | $1,342 | $22 | 1.7% |
| Wisconsin | $1,344 | $24 | 1.8% |
| Wyoming | $1,458 | $138 | 10.5% |
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
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Santa Fe GLS 2WD | $1,192 | $99 |
| Hyundai Santa Fe GLS 4WD | $1,276 | $106 |
| Hyundai Santa Fe SE 2WD | $1,276 | $106 |
| Hyundai Santa Fe Limited 2WD | $1,320 | $110 |
| Hyundai Santa Fe SE 4WD | $1,320 | $110 |
| Hyundai Santa Fe Limited 4WD | $1,406 | $117 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Hyundai Santa Fe | $280 | $534 | $354 | $1,320 |
| 2017 Hyundai Santa Fe | $266 | $514 | $370 | $1,302 |
| 2016 Hyundai Santa Fe | $256 | $510 | $378 | $1,296 |
| 2015 Hyundai Santa Fe | $246 | $498 | $396 | $1,292 |
| 2014 Hyundai Santa Fe | $238 | $476 | $408 | $1,274 |
| 2013 Hyundai Santa Fe | $226 | $460 | $420 | $1,258 |
| 2012 Hyundai Santa Fe | $216 | $426 | $428 | $1,222 |
| 2011 Hyundai Santa Fe | $208 | $402 | $432 | $1,194 |
| 2010 Hyundai Santa Fe | $200 | $360 | $436 | $1,148 |
| 2009 Hyundai Santa Fe | $186 | $332 | $436 | $1,106 |
| 2008 Hyundai Santa Fe | $180 | $310 | $440 | $1,082 |
| 2007 Hyundai Santa Fe | $176 | $290 | $450 | $1,068 |
| 2006 Hyundai Santa Fe | $162 | $270 | $450 | $1,034 |
| 2005 Hyundai Santa Fe | $158 | $244 | $454 | $1,008 |
| 2004 Hyundai Santa Fe | $148 | $224 | $450 | $974 |
| 2003 Hyundai Santa Fe | $138 | $204 | $450 | $944 |
| 2002 Hyundai Santa Fe | $134 | $182 | $446 | $914 |
| 2001 Hyundai Santa Fe | $132 | $178 | $436 | $898 |
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 $1,530 more annually for Santa Fe insurance
- Teens are the costliest to insure, with premiums as much as $408 a month if comprehensive and collision insurance is included
- Drivers can save approximately $160 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $550 each year
- Drivers can save approximately $160 per year simply by shopping early and online
Compare Rates and Save
Find companies with the cheapest rates in your area
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,894 |
| 20 | $3,054 |
| 30 | $1,376 |
| 40 | $1,320 |
| 50 | $1,204 |
| 60 | $1,182 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,512 |
| $500 | $1,320 |
| $1,000 | $1,134 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,320 |
| 50/100 | $1,477 |
| 100/300 | $1,565 |
| 250/500 | $1,795 |
| 100 CSL | $1,512 |
| 300 CSL | $1,707 |
| 500 CSL | $1,849 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,986 |
| 20 | $4,854 |
| 30 | $2,920 |
| 40 | $2,854 |
| 50 | $2,724 |
| 60 | $2,698 |
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 | $70 |
| Multi-vehicle | $69 |
| Homeowner | $19 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $62 |
| Advance Quote | $66 |
| Online Quote | $93 |
| Total Discounts | $563 |
Discounts are estimated and may not be available from every company or in every state.
