Hyundai Santa Fe Insurance Rates

U.S. average insurance rates for a Hyundai Santa Fe are $1,164 a year for full coverage. Comprehensive costs on average $196 a year, collision costs $350, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,524. Teens pay the highest rates at $4,584 a year or more.

Average premium for full coverage: $1,164

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, minimum 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

Living in a larger city can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above show why it is important to get quotes based on a specific location and risk profile, instead of using averaged prices.

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 different risk profiles and scenarios.

• The cheapest rate after discounts is $685
• Choosing higher $1,000 deductibles can save around $1,040 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,164
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,402
• Unlucky drivers with serious driving violations could pay upwards of $2,524 or more
• The price for full coverage for a teen driver may cost $4,584 each year

Insurance prices for a Hyundai Santa Fe are also quite variable based on your driving record, the trim level of your Santa Fe, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Hyundai Santa Fe insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,660 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles can save as much as $370 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 134% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, and prices may be quite different from one company to the next.

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 the Best Hyundai Santa Fe Insurance

Getting lower rates on car insurance takes having a good driving record, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by getting rate quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The next list is a brief recap of the material that was raised in the charts and tables above.

• Policyholders who require increased levels of liability coverage will pay approximately $510 each year to raise limits from a low limit to 250/500 limits
• Drivers age 20 and younger pay higher prices, with premiums as much as $382 a month including comprehensive and collision insurance
• Higher risk drivers who tend to receive serious violations will pay on average $1,360 more each year to buy Hyundai Santa Fe insurance
• Increasing physical damage deductibles can save around $350 each year