How Much Does Insurance Cost for a Hyundai Santa Fe in North Carolina?
The odds of finding cheap car insurance for a Hyundai Santa Fe in North Carolina relies on a lot of rating factors such as how you use your vehicle, your occupation, and citations on your driving record. Drivers on average pay around $670 annually to buy Hyundai Santa Fe insurance, but that cost is an estimate that uses rate data for a 30-year-old married female that wants both comprehensive and collision coverage and $500 deductibles.
Chances are good that you are not exactly 30 years old and possibly not even female, possibly single instead of married, and you might want liability-only or different deductibles. Making minor changes in the factors used to determine rates could result in a significant change in how much insurance for a Hyundai Santa Fe costs.
Car insurance prices are based on the driver profile your best chance at finding the cheapest insurance price for your Hyundai is to get into the habit of shopping around regularly. Do a quick rate comparison now and you will receive prices from top-rated car insurance companies that offer coverage in North Carolina.
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The trim level of your vehicle tends to have a direct impact on the coverage cost, so the price you pay to insure a Santa Fe GLS 2WD model will be $86 lower than the cost to insure the more expensive Santa Fe Limited 4WD version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $132 | $256 | $254 | $16 | $76 | $734 | $61 |
| Santa Fe GLS 4WD | $152 | $256 | $254 | $16 | $76 | $754 | $63 |
| Santa Fe SE 2WD | $152 | $256 | $254 | $16 | $76 | $754 | $63 |
| Santa Fe Limited 2WD | $152 | $302 | $254 | $16 | $76 | $800 | $67 |
| Santa Fe SE 4WD | $152 | $302 | $254 | $16 | $76 | $800 | $67 |
| Santa Fe Limited 4WD | $172 | $302 | $254 | $16 | $76 | $820 | $68 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific location which can revise auto insurance rates noticeably.
Determining which companies have the most affordable car insurance rates for a Hyundai Santa Fe requires a bit more effort in order to find a policy that fits your budget. Every car insurance company has their own guidelines to set premium rates, so to begin we’ll rank the lowest cost car insurance companies in North Carolina.
It’s important that readers know that North Carolina car insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay for coverage. Simply getting older, buying a home instead of renting, or getting into an accident can trigger rate changes that can cause some rates to be more affordable than before.
Find Cheaper Auto Insurance for Your Hyundai
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $643 |
| 2 | Progressive | $658 |
| 3 | NC Farm Bureau | $716 |
| 4 | Penn National | $717 |
| 5 | GEICO | $720 |
| 6 | Liberty Mutual | $721 |
| 7 | Titan | $751 |
| 8 | State Farm | $756 |
| 9 | Auto-Owners | $870 |
| 10 | National General | $890 |
| 11 | Erie | $895 |
| 12 | Travelers | $900 |
| 13 | Allied | $919 |
| 14 | Peerless | $1,002 |
| 15 | MetLife | $1,007 |
| 16 | Unitrin | $1,012 |
| 17 | Encompass | $1,031 |
| 18 | Safeco | $1,034 |
| 19 | Nationwide | $1,041 |
| 20 | Allstate | $1,097 |
| View More Rates Go | ||
Utica National may offer some of the most affordable car insurance rates in North Carolina at around $643 annually. Progressive, NC Farm Bureau, Penn National, and GEICO also rank well as some of the more affordable North Carolina insurance companies.
As shown in the table above, if you currently have coverage with Progressive and switched to Utica National, you may realize yearly savings of in the vicinity of $15. Drivers with NC Farm Bureau may save as much as $73 a year, and Penn National insureds might realize rate reductions of up to $74 a year.
It’s important to note that these policy prices are averages across all types of drivers and the different vehicles they drive and do not factor in a specific rate factor for a Hyundai Santa Fe. So the insurer that has the cheapest price for you may not even be shown in the list of companies above. That illustrates why you need to get rate quotes using your own personalized driver profile and vehicle information.
Discount North Carolina auto insurance rates
Auto insurance companies that sell cheap insurance for a Hyundai Santa Fe in North Carolina may have special discounts that can reduce rates by as much as 40% or more if you meet certain criteria. Larger car insurance companies and some of their more popular discounts are included below.
| Discount | State Farm | Geico | Progressive | Allstate | Farmers | Liberty Mutual |
|---|---|---|---|---|---|---|
| Bundled policies | Yes | Yes | Yes | Yes | Yes | Yes |
| Multiple vehicles | Yes | Yes | Yes | No | Yes | Yes |
| Anti-theft | Yes | Yes | Yes | Yes | Yes | Yes |
| Anti-lock brakes | Yes | Yes | No | Yes | No | Yes |
| Air bags | Yes | Yes | No | Yes | Yes | Yes |
| Running lights | Yes | Yes | No | No | Yes | No |
| Newer vehicle | Yes | No | No | Yes | Yes | No |
| Eco-friendly vehicle | No | No | No | Yes | Yes | Yes |
| Accident-free | Yes | Yes | Yes | Yes | Yes | No |
| Defensive driver training | Yes | Yes | Yes | Yes | Yes | No |
| Armed forces | Yes | Yes | Yes | No | Yes | No |
| Affinity/occupation | No | Yes | No | No | Yes | Yes |
| Full payment | No | Yes | Yes | Yes | Yes | Yes |
| Automatic payment | No | Yes | Yes | Yes | Yes | Yes |
| Brand loyalty | Yes | No | Yes | No | Yes | No |
| Early sign-up | No | No | No | Yes | Yes | No |
| Good student | Yes | Yes | Yes | Yes | Yes | Yes |
| Distant student | Yes | No | Yes | Yes | Yes | Yes |
| Own your home | No | No | Yes | No | Yes | No |
| Use seat belts | No | Yes | No | No | No | No |
| Online quote | No | No | Yes | No | No | No |
| Teen driver | No | No | Yes | No | No | Yes |
| Federal employee | No | Yes | No | No | No | No |
| Compare Prices Go | ||||||
The illustration below shows the comparison of premium costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with accident-free, multiple vehicle, marriage, defensive driving course, passive restraint, and anti-theft discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Hyundai Santa Fe is % or $.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2585,1865],[‘Age 30’, 1805,1309],[‘Age 40’, 1667,1213],[‘Age 50’, 1461,1061],[‘Age 60’, 1413,1027],[‘Age 70’, 1637,1185]]);var options = {title: ‘Insurance Rate Comparison for a Hyundai Santa Fe’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Santa Fe’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
How to find cheaper auto insurance for a Hyundai Santa Fe
Here are some of the recommended penny-pinching solutions that can help North Carolina drivers get lower-cost car insurance.
- Clean up your credit rating
- Save money by only buying liability coverage for older vehicles
- Increase your physical damage deductibles
- Save money by insuring your home and auto with the same company
- Pay for small claims rather than turning them in to your insurance company
- Vehicles with good safety ratings have lower liability rates
- Shop around for cheaper prices
The last tip is highly crucial, as we discussed in the prior article. Prices charged by car insurance companies in North Carolina fluctuate constantly, so you should be ready to buy a different policy if you can find a cheaper rate. Many drivers prefer to stick with one company, but it isn’t a good idea if it’s costing you a small fortune year after year. It only take a few minutes to compare rates to find cheaper auto insurance for a Hyundai Santa Fe.
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