Buying cheap coverage for a Hyundai Santa Fe in Washington depends on many different factors such as how you use your vehicle, whether or not you have filed claims in the past, and any prior driving offenses. Drivers in Washington pay approximately $793 annually to insure their Santa Fe, but that cost is a valuation calculated using a 40-year-old single male driver with full coverage and $1,000 deductibles.
But there is a high probability that you are not 40 and maybe not even a male, maybe you are married instead of single, or maybe you rent instead of own your home. Even a minor change in the factors used in pricing a policy may result in a big change in the amount insurance costs for a Hyundai Santa Fe.
Having different needs demonstrates why the way we recommend to find cheap car insurance rates for your Hyundai is to do a thorough rate comparison.
The specific trim level will likely have an effect on the cost of insurance, so the cost to insure a Santa Fe GLS 2WD model will cost $86 less than the cost to insure the fancier Santa Fe Limited 4WD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $120 | $278 | $356 | $22 | $106 | $882 | $74 |
| Santa Fe GLS 4WD | $138 | $278 | $356 | $22 | $106 | $900 | $75 |
| Santa Fe SE 2WD | $138 | $278 | $356 | $22 | $106 | $900 | $75 |
| Santa Fe Limited 2WD | $138 | $328 | $356 | $22 | $106 | $950 | $79 |
| Santa Fe SE 4WD | $138 | $328 | $356 | $22 | $106 | $950 | $79 |
| Santa Fe Limited 4WD | $156 | $328 | $356 | $22 | $106 | $968 | $81 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can revise auto insurance rates considerably.
Finding cost effective auto insurance is easier said than done, and determining which company has the most affordable auto insurance rates for a Hyundai Santa Fe may require a bit more work. Each auto insurance company has a unique formula for determining prices, so first let’s look at the rankings for the most competitive auto insurance companies in Seattle.
It’s a good idea to be aware that Seattle, WA auto insurance rates are determined by lots of factors that control the cost of coverage. This price variation is why it is crucial to compare lots of rates when trying to find affordable auto insurance rates for a Hyundai Santa Fe. Prices are made up of many things and change substantially, so the best price a year ago may now cost much more than other companies.
Find Cheaper Car Insurance for Your Hyundai
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $754 |
| 2 | Grange | $847 |
| 3 | Nationwide | $981 |
| 4 | PEMCO | $994 |
| 5 | Mutual Enumclaw | $1,034 |
| 6 | Travelers | $1,038 |
| 7 | USAA | $1,060 |
| 8 | The Hartford | $1,080 |
| 9 | California Casualty | $1,083 |
| 10 | Chubb | $1,094 |
| 11 | State Farm | $1,130 |
| 12 | Allied | $1,142 |
| 13 | American Family | $1,196 |
| 14 | Amica | $1,206 |
| 15 | Safeco | $1,228 |
| 16 | Liberty Mutual | $1,309 |
| 17 | Farmers | $1,315 |
| 18 | National General | $1,495 |
| 19 | Progressive | $1,510 |
| 20 | GEICO | $1,673 |
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Capital offers some of the most affordable car insurance rates in Seattle at around $754 each year. This is $658 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Mutual Enumclaw also are some of the lowest-priced Seattle, WA insurance companies.
In the rate table above, if you currently have coverage with PEMCO and switched to Grange, you could earn a yearly savings of roughly $147. Insureds with Mutual Enumclaw might save as much as $187 a year, and Travelers customers might cut rates by $191 a year.
To discover how much you can save, click here to get quotes or visit several of the following companies.
Remember that these estimates are averaged for all types of drivers and the different vehicles they drive and and are not figured with a vehicle location for a Hyundai Santa Fe. So the car insurance company that is best suited for you may not even be in the list above. That affirms the importance of why you need to get rate quotes using your own specific driver and vehicle information.
Illustration showing the impact of accidents and violations
The easiest method to score the cheapest auto insurance prices in Washington for a Santa Fe is to be a good driver and not receive tickets or have accidents. The chart below shows how speeding tickets and at-fault fender-benders drive up yearly insurance costs for different categories of driver ages. The rates are based on a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
The chart shows that the average cost of auto insurance per year with no accidents or violations is $1,716. Get two speeding tickets and the average cost swells to $2,373, an increase of $658 each year. Then include two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Hyundai Santa Fe goes up to an average of $4,702. That’s an increase of $2,987, or $249 per month, just for being a little careless behind the wheel!
Full coverage rates vs. liability-only
Lowering the price of auto insurance is important to most vehicle owners, and one good way to find cheap insurance for a Hyundai Santa Fe is to only buy liability coverage. The illustration below illustrates the difference between premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Washington. The premiums assume no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are factored in.
If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs $2,009 per year more than insuring for liability only. At some point, almost every driver questions if physical damage coverage is worth the money. There is no definitive guideline of when to eliminate physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s assume your vehicle’s settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your deductible. If you are currently paying more than $800 a year for physical damage coverage, then it might be time to buy liability only.
There are some scenarios where removing full coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
The diagram below highlights how deductible choice can change yearly insurance costs when researching cheap insurance for a Hyundai Santa Fe. Data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could save $326 a year by switching from a $100 deductible to a $500 deductible, or save $490 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could shave $956 or even more just by using higher deductibles. When raising deductibles, it will now be necessary to have additional funds squirreled away to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.