Hyundai Santa Fe Insurance Rates

The average insurance rates for a Hyundai Santa Fe are $1,164 a year including full coverage. Comprehensive costs around $196 a year, collision insurance costs $350, and liability insurance is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,524. 16-year-old drivers cost the most to insure at up to $4,584 a year.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Santa Fe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code, rather than relying on rate averages.

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

Rate Comparisons

The chart below breaks down average Hyundai Santa Fe insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $685
• Raising to $1,000 deductibles will save about $1,040 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,164
• Buying low $100 deductibles bumps up the cost to $1,402
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,524
• Policy cost that insures a teen driver can be $4,584

Insurance rates for a Hyundai Santa Fe also range considerably based on the trim level of your Santa Fe, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $4,500 a year. View Rates by Age

Your home state also has a big influence on Hyundai Santa Fe insurance rates. A middle-age driver might find rates as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,660 on average in Michigan, New York, and Louisiana.

Opting for high physical damage deductibles can reduce rates by up to $370 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

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 Cheaper Hyundai Santa Fe Insurance

Finding cheaper rates on Hyundai Santa Fe insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Comparison shop once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a condensed summary of the data that was raised in the charts and tables above.

• You may be able to save up to $140 per year just by quoting early and online
• Drivers who may need an increased level of liability coverage will pay around $510 per year to raise from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 pay higher rates, with premiums being up to $382 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,360 more every year than a safer driver