Hyundai Santa Fe Insurance Rates

Average insurance prices for a Hyundai Santa Fe are $1,140 every 12 months for full coverage. Comprehensive costs around $190 a year, collision costs $328, and liability insurance costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing around $2,472. Teens receive the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Santa Fe trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance rates.

These examples show why it is important to compare rates for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below shows estimated Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $673
• Drivers who choose higher $1,000 deductibles will pay about $1,022 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,140
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,366
• High risk drivers with serious driving violations could pay at least $2,472 or more
• The cost to insure a teen driver can be $4,510 a year

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Auto insurance rates for a Hyundai Santa Fe can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $350 each year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 137% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Hyundai Santa Fe insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly different.

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 Shop for the Best Cheap Hyundai Santa Fe Insurance

Saving money on Hyundai Santa Fe insurance not only requires being a good driver, but also having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick review of the information touched on in the above illustrations.

• Drivers can save up to $130 per year simply by quoting early and online
• Drivers age 16 to 20 are expensive to insure, costing as high as $376 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $350 each year
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,330 more every year than a safer driver
• Drivers who may need an increased level of liability coverage will pay approximately $510 each year to go from a minimum limit to a 250/500 level