Cheap Insurance Quotes for a Hyundai Santa Fe in Virginia

Your chances of buying cheap auto insurance for a Hyundai Santa Fe in Virginia hinges on a complicated rating formula that uses factors like whether the vehicle is new, if you have maintained coverage continuously, and if you have a history of accidents. Drivers in Virginia pay on average $690 every 12 months to insure their Santa Fe, but that price is an estimation using rate data for a 30-year-old married female driver that includes full physical damage coverage and $500 physical damage deductibles.

When making auto insurance estimates, the issue arises that you are not a 30-year-old female, you might be single instead of married, or you want lower deductibles. Having different needs demonstrates why the most reliable method for finding the cheapest rates for your Hyundai is to do the rate comparisons yourself.

Compare Hyundai Santa Fe Insurance Rates

The specific model of Santa Fe tends to impact the cost of coverage, so the price you pay to insure a Santa Fe GLS 2WD trim level will be $88 cheaper than the cost to insure the more well-appointed Santa Fe Limited 4WD trim level, as shown in the table below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in zip code location which can lower or raise auto insurance rates significantly.

Virginia auto insurance company ratings

Buying coverage from a good quality car insurance provider is hard considering how many companies sell coverage in Virginia. The company information below can help you choose which companies to look at when shopping around.

These ratings include major nationwide insurance companies, so companies that focus mainly on Virginia business are not included in the list. To check rates and find the cheapest rates for a Hyundai Santa Fe, follow this link.

Top 10 Major Car Insurance Companies in Virginia Ranked by Customer Service

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

Top 10 Major Car Insurance Companies in Virginia Ranked by A.M. Best Rating

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

Top Companies for Hyundai Santa Fe Insurance in Virginia

Full coverage rates compared to liability-only

Finding cheap insurance for a Hyundai Santa Fe in Virginia should be important to the majority of drivers, and one of the fastest ways to pay lower rates for insurance is to not buy comprehensive and collision coverage. The illustration below shows the comparison of car insurance rates when comparing full coverage to liability only. The data assumes a clean driving record, no at-fault accidents, $100 deductibles, single status, and no discounts are taken into consideration.

As an average for all age groups, comprehensive and collision coverage on your policy costs an additional $1,923 per year over and above liability coverage. That is a significant amount which raises the question if paying for full coverage is a waste of money. There is no exact rule to delete physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

Discounts on cheap insurance for a Hyundai Santa Fe in Virginia

Insurance providers that offer cheap quotes for a Hyundai Santa Fe may also provide premium discounts that could reduce prices by as much as 35% if you qualify. Larger auto insurance companies and some of the discounts are:

The chart below compares yearly insurance costs with and without discounts applied to the premium. The costs are based on a male driver, no driving violations, no at-fault accidents, Virginia state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, homeowner, vehicle safety, claim-free, marriage, and safe-driver discounts applied. When discounts are applied, the average savings per year on auto insurance for a Hyundai Santa Fe is 13% or $138.

Is Geico, Allstate, Progressive, or State Farm cheaper?

When it comes to auto insurance, four companies you’ll want quotes from are Geico, Allstate, Progressive, and State Farm. The next table ranks some of the ratings and options that are available for policyholders.