Hyundai Santa Fe Insurance Rates

U.S. average auto insurance rates for a Hyundai Santa Fe are $1,140 annually for full coverage. Comprehensive insurance costs an estimated $190 a year, collision costs $328, and liability costs $464. A policy with just liability insurance costs as little as $514 a year, with coverage for high-risk drivers costing $2,472 or more. 16-year-old drivers pay the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Santa Fe trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. More rural locations have fewer accident claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

The ranges above show why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $673
• Drivers who choose higher $1,000 deductibles will pay approximately $1,022 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,140
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $226 annually
• Drivers with multiple tickets or accidents could pay up to $2,472 or more
• The price with full coverage for a 16-year-old driver can cost as much as $4,510 a year

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

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy can cost from 42% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $350 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

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

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from multiple companies. Every company utilizes a different rate formula, so the prices may be quite different between companies.

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 Buy Cheaper Hyundai Santa Fe Insurance

Getting lower rates on insurance for a Hyundai Santa Fe not only requires being a good driver, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at every policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

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

• Insureds who want an increased level of liability coverage will pay around $510 each year to go from a low limit to higher 250/500 limits
• Drivers can save approximately $130 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $350 each year
• Drivers age 16 to 20 are charged the highest prices, with premiums as much as $376 a month including comprehensive and collision insurance