How Much Does Insurance Cost for a Hyundai Santa Fe in Washington?

The chances of buying affordable coverage for a Hyundai Santa Fe in Washington is contingent on a lot of things such as how you use your vehicle, if you have a coverage lapse, and if you have a history of accidents. Drivers pay on average $860 every 12 months for Santa Fe insurance, but that amount is an approximation using rate data for a 50-year-old married male driver that wants both comprehensive and collision coverage and $100 policy deductibles.

Chances are that you aren’t exactly 50 years old or even a male, possibly single instead of married, or maybe you’re a renter instead of a homeowner. Even a minor change in the rating criteria used to formulate rates can lead to a significant difference in policy price.

Not every driver requires the same auto insurance coverages, so the best way to quote affordable rates for your Hyundai is to shop your policy around every couple of years. Get your free quotes now and you will get price quotes from the cheapest companies available.

Compare Hyundai Santa Fe Insurance Rates

The trim level of your Santa Fe tends to impact the insurance rate, so the rate you pay to insure a Santa Fe GLS 2WD trim level will be $120 cheaper than the price to insure the higher-end Santa Fe Limited 4WD model, as shown by the rates below.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific location information which can affect insurance rates substantially.

Locating affordable car insurance is not always easy, and figuring out which companies quote the best insurance rates for a Hyundai Santa Fe will take even more perseverance.

Every car insurance company has a unique approach to establish rates, so first we will examine the most affordable insurance companies in Washington.

Find the Cheapest Car Insurance for Your Hyundai

Compare Rates Now

Capital may offer some of the cheapest car insurance rates in Washington at around $754 per year. Grange, Nationwide, PEMCO, and Travelers are also some of the lowest-priced Washington insurance companies.

As the rates illustrate above, if you buy coverage from Grange and switched to Capital, you might achieve an annual savings of about $59. Insureds with Nationwide could save as much as $236 a year, and PEMCO policyholders might see rate reductions of $250 a year.

To compare your rates to other Washington insurance companies, click here to begin a quote or quote prices from the following companies.

Remember that these premiums are averages across all ages of drivers and types of vehicles and and are not calculated with a specific rate factor for a Hyundai Santa Fe. So the company that is best suited for you may not even be shown in the rate chart shown above. That affirms the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Insurance rate increases from tickets or accidents

The obvious way to earn affordable insurance premiums for a Santa Fe is to drive safely and avoid at-fault accidents and violations. The diagram below highlights how traffic violations and accidents impact premium costs for different categories of driver ages. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of a car insurance policy in Washington per year with no violations or accidents is $1,843. Factor in two speeding tickets and the average cost jumps to $2,555, an increase of $712 each year. Then add in one accident along with the two speeding tickets and the yearly cost of insurance for a Hyundai Santa Fe jumps again to an average of $3,282. That’s an increase of $1,439, or $120 per month, just for not driving attentively!

A good deal can quickly turn bad

Washington insurance rates are based on many factors that control the policy premium. Simply getting older, buying a home instead of renting, or getting a few speeding tickets can cause premium changes that may make certain companies cheaper than others.

Not only may things change on your end, but companies change prices as often as every quarter in order to be able to pay unexpected claims. A period of increased losses may cause more expensive prices, while a better claims history may result in more affordable Santa Fe insurance rates.

To illustrate this point, the data below shows which company has the cheapest car insurance in Washington for a 35-year-old male driver with no accidents or violations, and a good credit history. If we look at prices based on his current situation, Capital might quote the best car insurance rates in Washington at $761 per year. This is $651 less than the average rate paid by Washington drivers of $1,412. Grange, Nationwide, Travelers, and PEMCO are the rest of the cheapest Washington auto insurance companies.

In this example, we will give the driver from above an at-fault accident, a little lower credit rating, and an imperfect driving record. Since each auto insurer uses a different method to determing premium rates, comparing insurance quotes may result in a substantially altered list of affordable companies as shown below.

California Casualty now has the cheapest price in Washington with The Hartford, USAA, Chubb, and Allied completing the list. This demonstrates why it is critical to do a thorough rate comparison to get the best car insurance rates for a Hyundai Santa Fe.

Insurance rates are made up of many different factors and can decrease or increase without notice, so the cheapest option the last time you compared rates may now be one of the more expensive options.

Find cheap insurance for a Hyundai Santa Fe in Washington

Here are some thrifty suggestions that can help Washington drivers quote more affordable coverage.

• Tickets and violations raise rates
• Increase deductibles to save money
• Do not get into accidents that are your fault
• If possible, pay for small claims out-of-pocket
• Bundle home or renters insurance to earn a discount on car insurance
• Good credit scores may lower your rates
• Compare prices as often as possible

That last tip is incredibly necessary, as we pointed out in the prior article. Prices charged by auto insurers vary greatly, so don’t be unwilling to switch to a new company if you can find a cheaper rate. Brand loyalty is great, but it’s not a good idea if that faithfulness ends up costing you a considerable chunk of change every month. Spend a few minutes and shop around to find cheaper insurance for a Hyundai Santa Fe.