Cheapest Insurance for a Hyundai Santa Fe in Kentucky

The chances that you’ll find the best cheap car insurance for a Hyundai Santa Fe in Kentucky is dependent upon lots of different rating factors like miles driven annually, your credit status, and if you have a history of accidents. Drivers on average will pay $680 per year to buy insurance for a Hyundai Santa Fe, but that rate is an approximation using cost data for a 50-year-old married male who purchased full physical damage coverage and $1,000 physical damage deductibles.

It’s more than likely that you’re not a 50-year-old male, possibly single instead of married, or maybe you are just looking for cheap liability insurance. Different coverage needs are the reason why your best chance at finding cheap insurance rates for your Hyundai is to put in the effort and compare rates.

View Hyundai Santa Fe Insurance Rates

The specific model of Santa Fe tends to impact the cost of insurance, so the rate you will pay to insure a Santa Fe GLS 2WD model will be $72 less than the insurance cost for the more costly Santa Fe Limited 4WD model, as shown in the prices below.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in specific location information which can change coverage prices considerably.

Deciphering which company quotes the cheapest car insurance rates for a Hyundai Santa Fe involves a bit more work in order to find the most economical policy. Each insurance company has their own process for determining prices, so let’s rank the car insurance companies that tend to have lower prices in Kentucky.

It’s important that you understand Kentucky car insurance rates are impacted by many things which can substantially change the price you have to pay. Simply having another birthday, buying a different home, or having an at-fault accident can trigger price changes that may make certain companies more affordable than the competition.

Best Insurance Companies for Your Hyundai

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Cincinnati Insurance normally has some of the best car insurance rates in Kentucky at around $1,093 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also rank well as some of the most economical Kentucky car insurance companies.

As shown above, if you are a customer of Kentucky Farm Bureau and switched to Cincinnati Insurance, you might achieve an annual savings of around $46. Policyholders with USAA could save as much as $94 a year, and Auto-Owners customers might see rate reductions of $278 a year.

If you would like to find the cheapest insurance for a Hyundai Santa Fe in Kentucky, click here to get quotes or visit any of the low-priced companies below.

Remember that these premium estimates are averages for all ages of drivers and types of vehicles and are not factoring in a specific rate factor for a Hyundai Santa Fe. So the company that is most affordable for your situation may not even be shown in the above list. That illustrates why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Irresponsible driving raises your rates

The ideal way to maintain good car insurance rates in Kentucky for a Santa Fe is to drive carefully and avoid accidents and traffic violations. The example below illustrates how traffic citations and at-fault fender-benders can raise car insurance rates for different insured age categories. The premium estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.

The data in the chart shows the average cost of an auto insurance policy in Kentucky per year with no violations or accidents is $1,995. Get two speeding tickets and the average cost surges to $2,640, an increase of $646 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for a Hyundai Santa Fe goes up to an average of $3,300. That’s an increase of $1,305, or $109 per month, just for not keeping your driving record clean!

The chart below demonstrates how deductibles can influence premium costs when searching for cheap insurance for a Hyundai Santa Fe. The costs are based on a single female driver, comp and collision included, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could reduce rates by $310 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $468 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could possibly save up to $788 or more just by choosing higher deductibles. If you make the decision to raise deductibles, it is a good idea to have plenty of savings on hand to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Which car insurance company is best?

If you are shopping around for insurance for a Santa Fe in Kentucky, the companies that insure more vehicles than anyone else are Geico, Progressive, State Farm, and Allstate. Between them, they make up about 50% of the car insurance market in the United States. The following table illustrates price, claims, and customer service ratings, as well as some optional coverages you can buy with each company.