How Much Does Insurance Cost for a Hyundai Santa Fe in New York?

When discussing auto insurance, the word “cheap” really should not be used as a descriptor for auto insurance rates. It’s just a fact that cheap auto insurance for a Hyundai Santa Fe is not easy to find. We’ll try to make it up to you, because we will teach you how you can still find coverage that is more affordable than your current policy.

The chances that you’ll find the cheapest auto insurance for a Hyundai Santa Fe in New York hinges on a complicated equation that takes into consideration things such as if you own your home, the likelihood of vehicle theft, and if your driving record is clean. Drivers pay around $780 each year for Santa Fe insurance, but that is based on a 50-year-old married male that has full coverage and $100 deductibles.

But there is a high likelihood that you are not 50 and possibly not even male, single instead of married, or maybe your driving record has a blemish or two. Even a very minor difference in the factors used in pricing a policy could end up with a large change in the price of coverage.

This example demonstrates why the most reliable method for finding cheap auto insurance rates for your Hyundai is to do the rate comparisons yourself.

Insure Your Hyundai for Less

The specific model of Santa Fe will most likely have an effect on the cost of coverage, so the price you will be charged to insure a Santa Fe GLS 2WD trim level will be $108 less expensive the price to insure the more expensive Santa Fe Limited 4WD version, as shown in the chart below.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific location information which can alter rates considerably.

New York car insurance company ratings

Choosing the best auto insurance provider is hard considering how many companies sell insurance in New York. The company rank data shown below can help you select which car insurance providers you want to consider when shopping your coverage around.

These ratings only include large nationwide companies, so companies that have a smaller presence are not taken into consideration for the list. To check prices from these companies and more, click this link.

Top 10 Major Auto Insurers in New York Ranked by Customer Satisfaction

1. The Hartford – 93%
2. The General – 91%
3. Progressive – 90%
4. 21st Century – 89%
5. Erie Insurance – 88%
6. USAA – 87%
7. State Farm – 87%
8. Travelers – 87%
9. Mercury Insurance – 87%
10. Safeco Insurance – 86%

Top 10 Major Auto Insurers Overall in New York

1. The General
2. Mercury Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

Top Companies for Hyundai Santa Fe Insurance in New York

Driving violations and accidents

The best way to enjoy cheap car insurance prices in New York for a Santa Fe is to be a safe driver and avoid tickets and accidents. The illustration below illustrates how violations and accidents impact insurance rates for each different age category. The rates are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of car insurance in New York per year with a clean driving record and no accidents is $1,084. Get written up for two speeding tickets and the average cost hikes up to $1,532, an increase of $448 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Hyundai Santa Fe increases to an average of $3,340. That’s an increase of $2,256, or $188 per month, just for being a little careless behind the wheel!

Geico, State Farm, Progressive, and Allstate: Who is cheapest?

If you’re looking for the cheapest auto insurance, probably the best companies to start with are Geico, State Farm, Progressive, and Allstate. When combined, they have nearly half of all car insurance policies written. They all have the same basic coverages, but each one has a unique set of features, discounts, and options that buyers can select from. The table below compares ratings for price, service, and claims, in additional to some of the optional coverages shoppers can find with each company.

Who has the cheapest Hyundai Santa Fe insurance quotes?

Thanks to the internet, there are a lot of ways to find lower-cost car insurance in New York, but the three most common ways are through a captive (or exclusive) agency such as State Farm or Allstate, an independent insurance agent, or direct from companies such as Progressive or Geico.

All three ways can provide car insurance quotes, but it’s important to point out the distinctions in how they provide rate quotes.

Independent agents work for many companies and can get rate quotes from every one. These agents can sell policies from many different companies and can give you more rate choices, which may give you improved odds of finding cheaper coverage. If premiums increase, an independent agent can move your coverage and the insured can keep the same agent.

An agent who is captive is ‘exlusive’ to one insurance company, examples being State Farm and Auto-Owners agents. These agents usually cannot compare other company’s rates, so it’s a good idea to get additional price quotes.

Drivers who opt to buy car insurance direct bypass local agents and instead buy buying direct from a company like Esurance or Progressive. This option may be good for people who do not need advice for asset protection and have an above average understanding of what car insurance covers and what it doesn’t.

When shopping for car insurance, which way works best for finding cheap insurance for a Hyundai Santa Fe in New York? We’d like to say shopping direct yields the cheapest rates since that eliminates agent commissions, but that does not always hold true. An argument could also be made that going through an independent agent is the best way to save since they can provide multiple quotes, but that is not necessarily true either. In many cases, the exclusive agents have very competitive rates that independents and direct companies can’t touch.

Since car insurance prices are based on many different factors, the best method to get the lowest rate is to compare rate quotes from as many companies as possible. Smart shoppers will get price quotes all three ways to have the best selection of rates to choose from. For a list of companies with online discounts, click here to view.

How to find low-cost car insurance for a Hyundai Santa Fe

The list below summarizes some of the better penny-pinching suggestions that can help New York drivers get more affordable coverage.

• Higher deductibles mean lower rates
• Maintain a safe distance and avoid accidents
• You will pay more if you get tickets or have at-fault accidents
• Drive a car with a high safety rating
• Do not waste money insuring older vehicles for full coverage
• Pay lower rates with good credit
• Compare rates regularly to ensure the best deal

That last tip is very necessary, as was affirmed in the article above. Prices vary greatly, so drivers shouldn’t hesitate to switch carriers if a cheaper price is available. Having a favorite company is fine, but it’s not recommended if that inflexibility results in costing you hundreds every year. In just a couple of minutes you could compare rates to find cheaper auto insurance for a Hyundai Santa Fe.