Finding competitive insurance for a Hyundai Santa Fe relies on a complicated formula that considers factors such as your birth date, your credit rating, and any prior driving offenses. Drivers in California will pay around $903 per year to insure their Santa Fe, but that cost is an estimate based upon a 50-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
It’s more than likely you are not 50 years old and maybe not even female, maybe you are single instead of married, and maybe you want higher deductibles. There is no one cookie-cutter policy that works for everyone, so the only real way to find affordable rates for your Hyundai is to compare rates from as many companies as possible. Comparing quotes is easy and you can get rates from some of the best companies that insure vehicles in California.
The specific model of Santa Fe impacts the insurance rate, so the price you will be charged to insure a Santa Fe GLS 2WD will be $96 lower than the price to insure the more well-appointed Santa Fe Limited 4WD version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $142 | $300 | $416 | $24 | $124 | $1,006 | $84 |
| Santa Fe GLS 4WD | $162 | $300 | $416 | $24 | $124 | $1,026 | $86 |
| Santa Fe SE 2WD | $162 | $300 | $416 | $24 | $124 | $1,026 | $86 |
| Santa Fe Limited 2WD | $162 | $354 | $416 | $24 | $124 | $1,080 | $90 |
| Santa Fe SE 4WD | $162 | $354 | $416 | $24 | $124 | $1,080 | $90 |
| Santa Fe Limited 4WD | $184 | $354 | $416 | $24 | $124 | $1,102 | $92 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in specific location information which can impact coverage prices substantially.
Ending up with the right company is difficult considering how many choices drivers have in Long Beach. The rank data displayed below could help you analyze which insurers to look at when comparing rate quotes. The rankings below are for companies that insure vehicles nationwide, so companies with more of a regional focus are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Get discount Long Beach car insurance
Insurance companies that offer cheap quotes for a Hyundai Santa Fe may have policy discounts that may potentially lower prices by 35% or more if you are eligible. A few popular companies and a selection of discounts are detailed below.
- Progressive offers discounts for good student, multi-vehicle, online quote discount, continuous coverage, multi-policy, and online signing.
- Farmers Insurance offers discounts including business and professional, homeowner, pay in full, bundle discounts, teen driver, good student, and multi-car.
- Farm Bureau policyholders can earn discounts including renewal discount, youthful driver, multi-vehicle, good student, driver training, 55 and retired, and multi-policy.
- State Farm may include discounts for multiple autos, passive restraint, Steer Clear safe driver discount, multiple policy, and Drive Safe & Save.
- GEICO offers premium reductions for daytime running lights, military active duty, membership and employees, seat belt use, and defensive driver.
- SAFECO includes discounts for drive less, multi-car, accident prevention training, teen safe driver, and safe driver.
- Liberty Mutual may offer discounts for teen driver discount, safety features, multi-policy, newly married, good student, and multi-car.
The example below illustrates the comparison of premium costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, marriage, multiple vehicle, accident-free, passive restraint, and anti-theft discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on car insurance for a Hyundai Santa Fe is 28% or $816.
Are you paying too much for car insurance?
Long Beach car insurance rates are based on many factors which can significantly increase or decrease the price you have to pay for coverage. Improving your credit score, moving to a different location, or getting a ticket for running a stop sign can produce rate changes that can now make some companies cheaper than competitors.
Not only may things change on your end, but companies modify rates multiple times each year in order to remain profitable. Significantly higher claims can cause more expensive premiums, while profitable underwriting may cause cheaper Santa Fe insurance rates.
To illustrate this point, the data below shows the company with the cheapest car insurance in Long Beach, CA for a 45-year-old female driver with a clear driving record, no claims, and good financial standing. If we compare prices based on her current rating profile, USAA might offer the most affordable car insurance rates in Long Beach at $1,370 per year. This is $281 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remaining top five cheapest Long Beach, CA auto insurance companies.
The chart below compares rates after we give the driver in the first chart a claim, a little lower credit rating, and an imperfect driving record. Due to the fact that each insurance company has a unique approach to establish rates, analyzing rate quotes may now present a new list of the cheapest car insurance companies in Long Beach as shown below.
Grange now has the best car insurance rate in Long Beach, CA with Mercury, Progressive, Allstate, and GEICO now rounding out the top five. This demonstrates why drivers need to perform an extensive rate comparison to get the most economical car insurance quotes for a Hyundai Santa Fe. Insurance rates are calculated by many factors and can change without notice, so the cheapest rate when you last compared rates may now be quite expensive.
If you have coverage questions and would like to have professional advice when comparing insurance rates for a Hyundai Santa Fe, the professional agents shown below can probably help you determine which coverage meets your needs best.
To locate a Long Beach car insurance agency by location nearest to you, click the button link following the list or click here to compare price quotes.
Von Arx, Jason – Farmers Insurance
400 Oceangate # 305 – Long Beach, CA 90802 – (562) 436-6801
Bob Lundstrom – State Farm Insurance Agent
3620 Long Beach Blvd, Ste A3 – Long Beach, CA 90807 – (562) 595-8333
Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661
Allstate Insurance: Victoria L. Avery
4510 Pacific Coast Hwy #340 – Long Beach, CA 90804 – (562) 597-2371
Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222