Hyundai Santa Fe Insurance Rates
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UPDATED: Apr 10, 2024
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Average insurance prices for a Hyundai Santa Fe are $1,140 every 12 months for full coverage. Comprehensive insurance costs approximately $190, collision costs $328, and liability coverage costs $464. Liability-only coverage costs as little as $514 a year, with high-risk coverage costing $2,472 or more. 16-year-old 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:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Santa Fe models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $514 for minimum levels of liability insurance to the much higher price of $2,472 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.
The example below illustrates how geographic area affects auto insurance prices.
These examples show why everyone should compare rates using their specific location and their own driving history, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows estimated Hyundai Santa Fe insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $673
- Drivers who choose higher $1,000 deductibles will pay $118 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,140
- Buying pricier low deductibles for comprehensive and collision insurance costs an extra $226 each year
- High-risk insureds with multiple tickets or accidents could pay around $2,472 or more
- The cost to insure a teenage driver for full coverage can cost $4,510 a year
Car insurance rates for a Hyundai Santa Fe can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Santa Fe.
Opting for high physical damage deductibles could save up to $350 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $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 anywhere from $1,400 to $1,900 extra per year, depending on your age. Hyundai Santa Fe insurance for high-risk drivers can cost around 42% to 137% more than the average rate. 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 Iowa, Maine, and Idaho, or at least $1,630 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,032 | -$108 | -9.5% |
| Alaska | $874 | -$266 | -23.3% |
| Arizona | $948 | -$192 | -16.8% |
| Arkansas | $1,140 | -$0 | 0.0% |
| California | $1,300 | $160 | 14.0% |
| Colorado | $1,088 | -$52 | -4.6% |
| Connecticut | $1,172 | $32 | 2.8% |
| Delaware | $1,290 | $150 | 13.2% |
| Florida | $1,424 | $284 | 24.9% |
| Georgia | $1,050 | -$90 | -7.9% |
| Hawaii | $818 | -$322 | -28.2% |
| Idaho | $770 | -$370 | -32.5% |
| Illinois | $850 | -$290 | -25.4% |
| Indiana | $856 | -$284 | -24.9% |
| Iowa | $770 | -$370 | -32.5% |
| Kansas | $1,082 | -$58 | -5.1% |
| Kentucky | $1,554 | $414 | 36.3% |
| Louisiana | $1,686 | $546 | 47.9% |
| Maine | $702 | -$438 | -38.4% |
| Maryland | $940 | -$200 | -17.5% |
| Massachusetts | $914 | -$226 | -19.8% |
| Michigan | $1,978 | $838 | 73.5% |
| Minnesota | $952 | -$188 | -16.5% |
| Mississippi | $1,364 | $224 | 19.6% |
| Missouri | $1,010 | -$130 | -11.4% |
| Montana | $1,224 | $84 | 7.4% |
| Nebraska | $900 | -$240 | -21.1% |
| Nevada | $1,364 | $224 | 19.6% |
| New Hampshire | $820 | -$320 | -28.1% |
| New Jersey | $1,274 | $134 | 11.8% |
| New Mexico | $1,010 | -$130 | -11.4% |
| New York | $1,200 | $60 | 5.3% |
| North Carolina | $656 | -$484 | -42.5% |
| North Dakota | $932 | -$208 | -18.2% |
| Ohio | $786 | -$354 | -31.1% |
| Oklahoma | $1,170 | $30 | 2.6% |
| Oregon | $1,044 | -$96 | -8.4% |
| Pennsylvania | $1,086 | -$54 | -4.7% |
| Rhode Island | $1,520 | $380 | 33.3% |
| South Carolina | $1,032 | -$108 | -9.5% |
| South Dakota | $962 | -$178 | -15.6% |
| Tennessee | $998 | -$142 | -12.5% |
| Texas | $1,374 | $234 | 20.5% |
| Utah | $844 | -$296 | -26.0% |
| Vermont | $782 | -$358 | -31.4% |
| Virginia | $682 | -$458 | -40.2% |
| Washington | $880 | -$260 | -22.8% |
| West Virginia | $1,044 | -$96 | -8.4% |
| Wisconsin | $788 | -$352 | -30.9% |
| Wyoming | $1,016 | -$124 | -10.9% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Santa Fe GLS 2WD | $1,056 | $88 |
| Hyundai Santa Fe GLS 4WD | $1,112 | $93 |
| Hyundai Santa Fe SE 2WD | $1,112 | $93 |
| Hyundai Santa Fe Limited 2WD | $1,140 | $95 |
| Hyundai Santa Fe SE 4WD | $1,140 | $95 |
| Hyundai Santa Fe Limited 4WD | $1,192 | $99 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Fe | $280 | $542 | $390 | $1,370 |
| 2023 Hyundai Santa Fe | $270 | $536 | $398 | $1,362 |
| 2022 Hyundai Santa Fe | $260 | $524 | $416 | $1,358 |
| 2021 Hyundai Santa Fe | $250 | $502 | $430 | $1,340 |
| 2019 Hyundai Santa Fe | $228 | $450 | $452 | $1,288 |
| 2018 Hyundai Santa Fe | $218 | $424 | $456 | $1,256 |
| 2017 Hyundai Santa Fe | $210 | $380 | $460 | $1,208 |
| 2016 Hyundai Santa Fe | $196 | $350 | $460 | $1,164 |
| 2015 Hyundai Santa Fe | $190 | $328 | $464 | $1,140 |
| 2013 Hyundai Santa Fe | $172 | $284 | $474 | $1,088 |
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
Saving money on auto insurance not only requires being a good driver, but also maintaining a good credit score, eliminating unneeded coverage, and avoiding coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief summary of the data that was presented in the illustrations above.
- Drivers can save around $130 per year simply by quoting online well ahead of the renewal date
- Consumers who purchase an increased level of liability coverage will pay around $510 each year to go from a minimum limit to a 250/500 level
- Drivers age 16 to 20 pay the highest auto insurance rates, costing as high as $376 per month if the policy includes full coverage
- Drivers that tend to have accidents or serious violations may pay on average $1,330 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,510 |
| 20 | $2,636 |
| 30 | $1,168 |
| 40 | $1,140 |
| 50 | $1,044 |
| 60 | $1,024 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,260 |
| $500 | $1,140 |
| $1,000 | $1,022 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,140 |
| 50/100 | $1,285 |
| 100/300 | $1,401 |
| 250/500 | $1,702 |
| 100 CSL | $1,331 |
| 300 CSL | $1,586 |
| 500 CSL | $1,772 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,384 |
| 20 | $4,204 |
| 30 | $2,504 |
| 40 | $2,472 |
| 50 | $2,364 |
| 60 | $2,342 |
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 | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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