What Auto Insurance is Cheapest for a Hyundai Santa Fe in Miami?

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Buying cheaper coverage for a Hyundai Santa Fe in Florida is dependent upon many different factors such as how many years you have been driving, your credit score, and your motor vehicle report. Drivers pay around $1,408 each year for Santa Fe insurance, but that price is based upon a 30-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.

But there is a high likelihood that you may not be 30 years old (or even female), possibly married instead of single, or maybe you have a teenager that needs to be on your policy. Auto insurance is unique to each driver, so the way we recommend to find affordable rates for your Hyundai is to just take the time to compare rates yourself.

Compare Hyundai Santa Fe Insurance Rates

The trim level of your Santa Fe will most likely have an effect on the cost of insurance, so the price you pay to insure a Santa Fe GLS 2WD trim level will be $170 less expensive the cost to insure the more well-appointed Santa Fe Limited 4WD trim level, as shown in the table below.

Hyundai Santa Fe Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $254 $538 $564 $34 $168 $1,558 $130
Santa Fe GLS 4WD $290 $538 $564 $34 $168 $1,594 $133
Santa Fe SE 2WD $290 $538 $564 $34 $168 $1,594 $133
Santa Fe Limited 2WD $290 $634 $564 $34 $168 $1,690 $141
Santa Fe SE 4WD $290 $634 $564 $34 $168 $1,690 $141
Santa Fe Limited 4WD $328 $634 $564 $34 $168 $1,728 $144
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in zip code location which can affect prices greatly.

Insuring your vehicle with the right insurance provider is difficult considering how many companies there are in Miami. The company information shown next can help you decide which companies to look at putting your business with. These ratings are only comprised of large nationwide companies, so companies with more of a regional focus will not be included in the list.

Top 10 Major Car Insurance Companies in Miami Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Major Car Insurance Companies in Miami Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Safe drivers pay less for car insurance

The easiest way to score low car insurance rates in Florida for a Santa Fe is to be a good driver and maintain a clean driving record. The illustration below shows how traffic citations and at-fault collisions drive up auto insurance rates for each different age group. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

The data in the chart shows the average cost of a car insurance policy in Miami per year with no accidents and a clean driving record is $1,664. Add in one speeding ticket and the average cost increases to $1,945, an increase of $281 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Hyundai Santa Fe increases to an average of $4,541. That's an increase of $2,876, or $240 per month, just for not driving attentively!

You are probably paying too much for Santa Fe insurance

Miami car insurance rates are calculated based on many things which can substantially decrease or increase the cost of having a policy. Simply having a birthday, getting divorced, or getting a DUI can trigger changes in premium that can make some companies more affordable than the competition.

In addition to those changes, auto insurance companies file new rates every year as an adjustment for underwriting gains or losses. A period of increased losses can result in increased rates, while better underwriting can result in lower-priced Santa Fe insurance rates.

To illustrate this example, the bar chart below compares the cheapest car insurance in Miami, FL for a 45-year-old female driver with no prior accidents, a clean driving record, and solid credit. Based on her current situation, USAA may have the cheapest car insurance rates in Miami at $1,847 annually. This is $601 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also on the list of the most affordable Miami, FL auto insurance companies.

Now we will pretend the driver from the first set of rates some claims, a lower credit rating, and a speeding ticket. Because each company has a different formula for determining rates, getting updated rate quotes may now present a substantially altered list of the cheapest Miami car insurance companies as shown below.

USAA now has the best insurance rate in Miami, FL with Mercury, State Farm, Esurance, and Auto-Owners now being in the top five. This example demonstrates why drivers need to spend some time comparing rates to get the best auto insurance rates for a Hyundai Santa Fe.

Rates consist of many things and change frequently, so the most economical company the last time you checked may now cost much more than other companies.

If you would rather have professional advice when trying to find lower insurance rates for a Santa Fe, the agents shown below are a good start to aid you in deciding which insurance coverage will be best for you. To locate a Miami auto insurance agent by location nearest to you, click the link after the list.

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