Cheap Insurance Quotes for a Hyundai Santa Fe in Ohio

Buying cheaper insurance for a Hyundai Santa Fe in Ohio hinges on things like whether you use your Santa Fe for business use, where your vehicle is garaged, and if you had any at-fault accidents in the last few years. Drivers in Ohio pay an average of $620 annually to insure a Santa Fe, but that price is a valuation based on rate data for a 50-year-old single female that included full comprehensive and collision coverage and $500 physical damage deductibles.

Chances are that you are not a 50-year-old female, you might be married instead of single, or maybe you prefer to not insure for full coverage. This illustrates why your best shot at finding cheap insurance rates for your Hyundai is to just compare rates yourself. Price quotes are quick and you will get price quotes from the best auto insurance companies around.

Compare Rates and Save

The trim level of your Santa Fe has an effect on price, so the rate you will pay to insure a Santa Fe GLS 2WD trim level will be $74 less than the insurance cost for the more expensive Santa Fe Limited 4WD model, as shown in the chart below.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in garaging location in Ohio which can decrease or increase prices considerably.

Finding the highest-rated car insurance provider is hard considering how many companies are available to choose from in Ohio. The company information in the next section can help you decide which car insurance providers to look at comparing prices from. The ratings below are for the companies with a significant amount of written premium nationwide, so companies that only write business in Ohio or surrounding areas will not be included in this list.

Top 10 Large Auto Insurance Providers in Ohio Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Erie Insurance – A+
6. The Hartford – A+
7. Progressive – A+
8. Nationwide – A+
9. Allstate – A+
10. Titan Insurance – A+

Top 10 Large Auto Insurance Providers Overall in Ohio

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Hyundai Santa Fe Insurance in Ohio

Do you need full coverage?

Finding cheap insurance for a Hyundai Santa Fe in Ohio is the goal of the majority of people, and one great way to save on the cost of insurance is to not insure for full coverage. The illustration below illustrates the comparison of auto insurance costs with and without physical damage coverage. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2387,815],[‘Age 30’, 1235,451],[‘Age 40’, 1223,419],[‘Age 50’, 1113,393],[‘Age 60’, 1081,387],[‘Age 70’, 1323,513]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Santa Fe in Ohio’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

As an average, full coverage on your policy costs $1,394 per year more than just buying liability insurance. That proposes the question if buying full coverage is worth the expense. There is no definitive rule of when to drop comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

The chart below shows how choosing a deductible can change insurance prices when quoting cheap insurance for a Hyundai Santa Fe. The premiums are based on a married male driver, full coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2295,2095,1875,1665],[‘Age 30’, 1209,1103,981,863],[‘Age 40’, 1157,1063,949,841],[‘Age 50’, 1059,971,869,773],[‘Age 60’, 1041,953,855,761],[‘Age 70’, 1193,1097,991,891]]);var options = {title: ‘Effect of Higher Deductibles on Hyundai Santa Fe Insurance Rates in Ohio’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Santa Fe’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 50-year-old driver could pocket $190 a year by changing from a $100 deductible up to a $500 deductible, or save $286 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, can cut $630 or even more just by choosing higher deductibles when buying full coverage.

When insureds make the decision to increase the deductibles on their policy, it is essential to have enough savings to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.