Finding cheaper car insurance for a Hyundai Santa Fe doesn’t take a lot of effort, but it relies on an enormous amount of factors such as your age, the likelihood of vehicle theft, and driving citations. Drivers in North Carolina will pay around $645 each year to insure their Santa Fe, but that figure is using a 40-year-old married male driver with full coverage and $500 deductibles.
There’s a good chance you are not 40 years old and maybe not even male, single instead of married, or maybe you need higher liability limits than the state minimum. The different assumptions illustrate why the only real way to find the cheapest rates for your Hyundai is to just take the time to compare rates yourself. It only takes a few minutes and you can get rates from some of the most affordable companies in North Carolina.
The trim level of your Hyundai will likely have an effect on the annual cost of coverage, so the price to insure a Santa Fe GLS 2WD trim level will be $80 cheaper than the insurance cost for the more well-appointed Santa Fe Limited 4WD version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $124 | $240 | $256 | $16 | $76 | $712 | $59 |
| Santa Fe GLS 4WD | $142 | $240 | $256 | $16 | $76 | $730 | $61 |
| Santa Fe SE 2WD | $142 | $240 | $256 | $16 | $76 | $730 | $61 |
| Santa Fe Limited 2WD | $142 | $284 | $256 | $16 | $76 | $774 | $65 |
| Santa Fe SE 4WD | $142 | $284 | $256 | $16 | $76 | $774 | $65 |
| Santa Fe Limited 4WD | $160 | $284 | $256 | $16 | $76 | $792 | $66 |
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific location which can impact coverage rates greatly.
Best auto insurance company in Durham
Buying coverage from the right auto insurance company can be challenging considering how many different insurance companies sell coverage in Durham. The company ratings shown next could help you pick which car insurance providers you want to consider purchasing coverage from. The ratings below are only made up of companies with a national presence, so companies that only write business in North Carolina or surrounding areas are not factored into this list.
Top 10 Major Auto Insurers in Durham Ranked by Customer Service
- USAA
- Travelers
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
- Esurance
Top 10 Major Auto Insurers Overall in Durham
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Discount Durham auto insurance
Insurance companies that offer quotes for a Hyundai Santa Fe could also offer discounts that can reduce rates by 30% or more if you are eligible. Large auto insurance companies and a summarized list of policyholder discounts are outlined below.
- Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, good student, online quote discount, and online signing.
- The Hartford offers discounts including defensive driver, bundle, driver training, anti-theft, vehicle fuel type, and good student.
- Mercury Insurance may include discounts for anti-theft, location of vehicle, multi-car, professional/association, and good student.
- GEICO may have discounts that include multi-vehicle, military active duty, anti-lock brakes, air bags, and emergency military deployment.
- AAA may offer discounts for AAA membership discount, anti-theft, pay-in-full, good driver, good student, and education and occupation.
- State Farm includes discounts for good student, defensive driving training, anti-theft, student away at school, and accident-free.
The example below compares car insurance costs with and without discounts being applied to the rates. The prices are based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with accident-free, passive restraint, homeowner, multiple vehicle, marriage, and safe-driver discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for a Hyundai Santa Fe is 28% or $436.
Why it’s important to shop around
North Carolina auto insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. Turning one year older, buying higher coverage limits, or getting a ticket for running a stop sign may cause policy rate changes resulting in some rates now being affordable when they were higher priced.
In addition to those changes, companies file new North Carolina car insurance rates at least once a year to adjust for gains or losses. An extended period of higher than normal claims may result in price increases, while a better claims history can result in lower-priced Santa Fe insurance rates.
To illustrate this point, the chart below shows the company with the cheapest car insurance in Durham, NC for a 35-year-old male driver with no accidents or violations, and a decent credit rating. If we estimate rates based on his current risk profile, Utica National offers the best car insurance rates in Durham at $751 per year. This is $121 less than the average price paid by North Carolina drivers of $872. Progressive, NC Farm Bureau, Liberty Mutual, and GEICO are the rest of the most affordable Durham, NC auto insurance companies.
In the next rate comparison, we’ll give the driver from above a claim, a lower credit rating, and a few traffic violations. Due to the fact that every auto insurer uses their own method for establishing rates, analyzing rates will most likely result in a significantly different list of affordable Durham car insurance companies as shown below.
Penn National now has the cheapest insurance rate in Durham, NC with State Farm, Auto-Owners, Progressive, and Allied also being competitive. This demonstrates why consumers need to take the time to compare lots of rates to get the most budget-friendly insurance quotes for a Hyundai Santa Fe.
Auto insurance prices are made up of many factors and change substantially, so the most affordable company when you last compared rates may now be quite expensive.