Finding the best cheap insurance for a Hyundai Santa Fe is pretty straightforward, but it depends on a lot of rating criteria such as your gender, whether or not you garage your vehicle, and your choice of physical damage deductibles. California drivers pay around $1,490 annually to insure their Santa Fe, but that price is a projection based upon a 50-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.
But there is a good chance that you aren’t exactly 50 years old or even a female, maybe you are married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Auto insurance is not the same for everyone, so the way we recommend to find the cheapest rates for your Hyundai is to put in the effort to do a thorough rate comparison.
Find Cheaper Hyundai Santa Fe Insurance
Your vehicle’s trim level has an effect on price, so the price you will pay to insure a Santa Fe GLS 2WD model will be $206 less expensive the cost to insure the high end Santa Fe Limited 4WD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $284 | $672 | $500 | $30 | $150 | $1,636 | $136 |
| Santa Fe GLS 4WD | $326 | $672 | $500 | $30 | $150 | $1,678 | $140 |
| Santa Fe SE 2WD | $326 | $672 | $500 | $30 | $150 | $1,678 | $140 |
| Santa Fe Limited 2WD | $326 | $792 | $500 | $30 | $150 | $1,798 | $150 |
| Santa Fe SE 4WD | $326 | $792 | $500 | $30 | $150 | $1,798 | $150 |
| Santa Fe Limited 4WD | $370 | $792 | $500 | $30 | $150 | $1,842 | $154 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can revise premium rates significantly.
Buying coverage from a highly-rated car insurance provider can be rather challenging considering how many different companies insure vehicles in California. The ranking data listed below can help you choose which car insurance providers you want to consider when comparing rate quotes. These ratings include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on California business will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below shows how choosing a deductible can affect premium costs when getting quotes for cheap insurance for a Hyundai Santa Fe. The price estimates are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could reduce rates by $360 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $544 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could lower their rates up to $896 annually by using a higher deductible.
When using a larger deductible, it is important to have enough spare savings to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Safe drivers Stockton pay cheaper rates
The obvious way to receive good insurance rates for a Santa Fe is to be a good driver and avoid accidents and violations. The diagram below demonstrates how speeding tickets and at-fault fender-benders can raise insurance rates for different insured age categories. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
The chart shows that the average cost of auto insurance per year with no accidents and a clean driving record is $2,263. Get one speeding ticket and the average cost surges to $2,601, an increase of $338 each year. Then include one accident along with the one speeding ticket and the annual cost of insurance for a Hyundai Santa Fe increases to an average of $3,550. That’s an increase of $1,287, or $107 per month, just for not paying attention while driving!
You may be paying too much for Santa Fe insurance
California insurance rates are determined by lots of factors that control the cost of coverage. Simply having another birthday, buying a home instead of renting, or getting into an accident can trigger price changes that can cause some rates to be cheaper than competitors.
Not only may your risk profile change, but car insurance companies file new rates every year or even multiple times each year in order to be able to pay unexpected claims. An unexpected high level of claims may result in a rate increase, while a better claims history may cause lower-priced Santa Fe insurance rates.
For instance, the data below compares the cheapest car insurance in Stockton, CA for a 40-year-old female driver with no accidents, a clean driving record, and great credit. Based on her current rating profile, USAA may have the best car insurance rates in Stockton at $1,378 a year. This is $273 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the list of the best Stockton, CA auto insurance companies.
The example below compares rates after we give the driver in the first example an at-fault accident, slightly worse credit, and a speeding ticket. Since each auto insurance company has a unique formula to establish rates, comparing rates most likely will result in a new list of affordable companies as shown below.
Mercury now has the best auto insurance rate in Stockton, CA with Grange, Progressive, Allstate, and GEICO also being competitive. This example demonstrates why it is critical to perform an extensive rate comparison to get the cheapest auto insurance rates for a Hyundai Santa Fe. Car insurance prices are influenced by many factors and change frequently, so the cheapest company two years ago may now cost much more than other companies.
How to find the cheapest car insurance for a Hyundai Santa Fe
The list below summarizes some of the recommended thrifty solutions that can help you get cheaper car insurance.
- Do not get into accidents that are your fault
- Higher deductibles mean lower rates
- Safer vehicles cost less to insure
- On older vehicles, drop full coverage
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Increase your credit rating
- Shop around for cheaper prices
The last tip in the list is very critical, as was affirmed in the prior article. Prices charged by car insurance companies can be changed at any time, so drivers shouldn’t be resistant to buy from a different company if a cheaper price is available.
Having a favorite company is great, but it’s not a great idea if that dedication is costing hundreds of dollars a year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for a Hyundai Santa Fe in Stockton.
If you have questions and prefer to get some guidance when trying to find lower insurance rates for a Santa Fe, the professional agents shown below are a good start to provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation.
To locate a Stockton insurance agent close to where you live, click the button following the list.
State Farm: Don Guzman
4719 Quail Lakes Dr f – Stockton, CA 95207 – (209) 473-9401
Farmers Insurance: Edward Barney
1350 W Robinhood Dr #3 – Stockton, CA 95207 – (209) 477-6215
Allstate Insurance Agent: Myles B. Harris Jr.
8807 Thornton Rd, # D1 – Stockton, CA 95209 – (209) 472-8585