Cheapest Insurance for a Hyundai Santa Fe in Rhode Island

Finding cheap coverage for a Hyundai Santa Fe in Rhode Island is contingent on a complicated rating formula that uses factors such as your vehicle’s safety rating, what you do for a living, and if your driving record shows any at-fault accidents. Rhode Island drivers on average pay approximately $830 each year to insure a Hyundai Santa Fe, but that rate is using a 50-year-old married female who needs full coverage including both comprehensive and collision and $1,000 physical damage deductibles.

When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a female, single instead of married, or maybe you have a speeding ticket that needs to be factored in. Even a slight difference in the factors used to determine rates can cause significant differences in rate quotes.

Car insurance coverage is unique to each driver, so this is why the only real way to find the cheapest insurance price for your Hyundai is to shop your policy around at every renewal. Price quotes are quick and you will receive price comparisons from the cheapest companies that offer coverage in Rhode Island.

Save Now on Santa Fe Insurance

Your Hyundai’s trim level will influence the cost of insurance, so the cost to insure a Santa Fe GLS 2WD trim level will be $88 cheaper than the insurance cost for the higher-priced Santa Fe Limited 4WD version, as shown below.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific location information which can raise or lower premium rates substantially.

Picking a good quality auto insurance provider can be rather challenging considering how many companies there are to choose from in Rhode Island. The ranking information shown below can help you analyze which insurers you want to consider shopping your coverage with.

The ratings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not taken into consideration for the list. To compare prices from these and other top-rated companies, just click here.

Top 10 Major Auto Insurance Providers Overall in Rhode Island

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top Companies for Hyundai Santa Fe Insurance in Rhode Island

Cost comparison with and without full coverage

Finding the cheapest insurance for a Hyundai Santa Fe in Rhode Island is the goal of the majority of drivers, and one great way to save on the cost of insurance is to buy liability only. The information below visualizes the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Rhode Island. The rate quotes are based on no claims or driving violations, $250 deductibles, marital status is 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 $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 4651,1437],[‘Age 30’, 2379,787],[‘Age 40’, 2371,729],[‘Age 50’, 2153,683],[‘Age 60’, 2081,671],[‘Age 70’, 2537,897]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Santa Fe in Rhode Island’,minValue: 0,format: ‘$###,###’},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);}

On average, comprehensive and collision coverage on your policy costs an additional $2,695 per year more than just insuring for liability. Many of you may wonder if buying full coverage is worth the expense. There isn’t a written rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

There are a few cases where removing full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

The example below shows how choosing a deductible can influence insurance costs when getting quotes for cheap insurance for a Hyundai Santa Fe. The rates are based on a married male driver, full coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4009,3659,3275,2915],[‘Age 30’, 2083,1899,1691,1491],[‘Age 40’, 2001,1833,1641,1457],[‘Age 50’, 1833,1679,1505,1341],[‘Age 60’, 1801,1649,1479,1315],[‘Age 70’, 2079,1913,1731,1559]]);var options = {title: ‘Impact of Deductibles on Hyundai Santa Fe Insurance Rates in Rhode Island’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Santa Fe’,minValue: 0,format: ‘$###,###’},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);}

In the chart above, a 50-year-old driver could cut expenses by $328 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $492 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could reduce their rates as much as $1,094 annually just by choosing higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it will now be necessary to have additional savings on hand to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.