Buying cheap insurance for a Hyundai Santa Fe depends on a pretty complex algorithm that uses a lot of factors such as the mileage of your daily commute, the condition of your credit, and driving citations. Drivers in Nebraska pay on average $1,253 a year for Santa Fe insurance, but that is an approximation using a 30-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
When projecting a rate like this, the problem is that you aren’t exactly 30 years old or even a female, possibly married instead of single, or maybe you want more liability coverage than is required by law in Nebraska. Even a slight change in rating criteria can result in a big discrepancy in the amount insurance costs for a Hyundai Santa Fe.
This example demonstrates why the way we recommend to find cheap insurance rates for your Hyundai is to compare rates from as many companies as possible.
Your vehicle’s trim level impacts the insurance rate, so the price you will pay to insure a Santa Fe GLS 2WD trim level will cost $176 less than the insurance cost for the more costly Santa Fe Limited 4WD trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $250 | $574 | $404 | $24 | $122 | $1,374 | $115 |
| Santa Fe GLS 4WD | $286 | $574 | $404 | $24 | $122 | $1,410 | $118 |
| Santa Fe SE 2WD | $286 | $574 | $404 | $24 | $122 | $1,410 | $118 |
| Santa Fe Limited 2WD | $286 | $676 | $404 | $24 | $122 | $1,512 | $126 |
| Santa Fe SE 4WD | $286 | $676 | $404 | $24 | $122 | $1,512 | $126 |
| Santa Fe Limited 4WD | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in specific garaging location which can lower or raise premiums substantially.
Insuring your vehicle with a highly-rated car insurance provider is difficult considering how many choices there are in Omaha. The information displayed below may help you select which coverage providers to look at when comparing auto insurance rates for a Hyundai Santa Fe.
These ratings only include large nationwide companies, so companies that focus mainly on Nebraska business will not be included in these rankings. If you wish to compare rates from the most competitive companies in Nebraska, just click here.
Top 10 Large Auto Insurance Providers in Omaha Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
Top 10 Large Auto Insurance Providers Overall in Omaha
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Discounts on Omaha insurance rates
Auto insurance companies that offer coverage for a Hyundai Santa Fe may provide premium discounts that can lower rates by as much as 25% or more if you meet eligibility requirements. Companies and their offered discounts can be read below.
- State Farm has discounts for Steer Clear safe driver discount, multiple policy, student away at school, multiple autos, and accident-free.
- GEICO may offer discounts for good student, five-year accident-free, driver training, anti-lock brakes, emergency military deployment, air bags, and military active duty.
- SAFECO discounts include safe driver, accident prevention training, anti-lock brakes, drive less, teen safety rewards, and multi-car.
- Farmers Insurance includes discounts for electronic funds transfer, multi-car, teen driver, youthful driver, mature driver, and business and professional.
- AAA may include discounts for pay-in-full, anti-theft, AAA membership discount, good student, education and occupation, multi-policy, and good driver.
- USAA offers discounts for vehicle storage, military installation, family discount, safe driver, and loyalty savings.
The information below illustrates the difference between premium costs with and without discounts applied to the premium. The price estimates are based on a male driver, no claims or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, claim-free, multiple vehicle, homeowner, passive restraint, and safe-driver discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a Hyundai Santa Fe is 28% or $554.
The chart below demonstrates how choosing different deductibles can influence insurance prices when quoting cheap insurance for a Hyundai Santa Fe. The rates are based on a single male driver, full coverage, and no policy discounts are applied.
As shown above, a 40-year-old driver could cut expenses by $334 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $502 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, can cut as much as $1,114 every year just by choosing higher deductibles when buying full coverage.
When raising deductibles, it is essential to have enough savings set aside to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Difference between full coverage and liability only rates
Lowering the price of car insurance should be important to most drivers, and one great way to save on the cost of insurance for a Hyundai Santa Fe is to not insure for full coverage. The chart below illustrates the comparison of insurance costs with full coverage and liability only. The data is based on no claims or driving violations, $100 deductibles, single status, and no other discounts are factored in.
Averaged out for all age groups, full coverage costs an extra $2,236 per year more than insuring for liability only. That proposes the question when is the right time to remove full coverage. There is no written rule of when to eliminate physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s assume your vehicle’s replacement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $11,000 after paying the physical damage deductible. If you are paying more than $1,100 a year for full coverage, then you may want to consider only buying liability coverage.