Hyundai Santa Fe Insurance Rates

Average auto insurance rates for a Hyundai Santa Fe are $1,140 annually for full coverage insurance. Comprehensive insurance costs on average $190, collision costs $328, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, with coverage for high-risk drivers costing $2,472 or more. Teenage drivers receive the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Rate estimates by individual coverage type:

Price estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Santa Fe trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities.

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

These examples illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Hyundai Santa Fe insurance rates for different risk profiles and scenarios.

• The best discount rate is $673
• Choosing higher $1,000 deductibles can save around $118 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,140
• Using more expensive low deductibles for comp and collision coverage costs an additional $226 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,472 or more
• The cost with full coverage for a teen driver with full coverage may cost $4,510 each year

Insurance rates for a Hyundai Santa Fe can also vary considerably based on the trim level of your Santa Fe, your risk profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance ranges as much as 42% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $350 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,540 on average in Michigan, New York, and Florida.

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates can be significantly 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

Saving money on car insurance takes not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a condensed summary of the data that was presented in the illustrations above.

• It is possible to save as much as $130 per year simply by shopping early and online
• Policyholders who require higher liability limits will pay an extra $510 annually to raise limits from a minimum limit to higher 250/500 limits
• Teens pay higher rates, costing up to $376 per month if they have full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $1,330 more each year for Santa Fe insurance