Buying the cheapest car insurance for a Hyundai Santa Fe in Illinois relies on many different factors such as how far you commute, your address, and your policy deductibles. Drivers pay on average $631 per year to insure their Santa Fe, but that cost is a valuation calculated based on a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you may not be 50 years old (or even female), married instead of single, or maybe you have a teenager that needs to be on your policy. Just a very minor change in rating criteria can result in a large change in the policy rate.
Insurance is an individual thing, so the best method for finding cheap insurance rates for your Hyundai is to just compare rates yourself.
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Vehicle trim level will most likely have an effect on the insurance rate, so the price you will be charged to insure a Santa Fe GLS 2WD trim level will cost $62 less than the price to insure the higher-priced Santa Fe Limited 4WD model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $94 | $210 | $294 | $18 | $88 | $704 | $59 |
| Santa Fe GLS 4WD | $108 | $210 | $294 | $18 | $88 | $718 | $60 |
| Santa Fe SE 2WD | $108 | $210 | $294 | $18 | $88 | $718 | $60 |
| Santa Fe Limited 2WD | $108 | $246 | $294 | $18 | $88 | $754 | $63 |
| Santa Fe SE 4WD | $108 | $246 | $294 | $18 | $88 | $754 | $63 |
| Santa Fe Limited 4WD | $120 | $246 | $294 | $18 | $88 | $766 | $64 |
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific location which can decrease or increase auto insurance rates considerably.
Ending up with the best company can be a challenge considering how many choices you have in Illinois. The ranking data in the lists below can help you select which auto insurance companies to look at when comparing rate quotes. The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Chicago insurance
Insurance companies that provide policies for a Hyundai Santa Fe may also offer discounts that could reduce prices by 35% or more if you meet the requirements. The best auto insurance companies and some of the premium reductions they offer include:
- Farm Bureau includes discounts for multi-policy, good student, driver training, youthful driver, safe driver, 55 and retired, and multi-vehicle.
- Liberty Mutual offers premium reductions for exclusive group savings, good student, new graduate, multi-car, and teen driver discount.
- State Farm may have discounts that include safe vehicle, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, student away at school, good student, and driver's education.
- Auto-Owners Insurance offers discounts including anti-lock brakes, paperless, multiple vehicles, safe vehicle, and safe driver.
- GEICO policyholders can earn discounts including good student, military active duty, emergency military deployment, driver training, and defensive driver.
- SAFECO has savings for drive less, teen safety rewards, homeowner, safe driver, and teen safe driver.
The diagram below illustrates the comparison of insurance rates with and without discounts applied to the policy premium. The price estimates are based on a male driver, no accidents, no driving violations, Illinois state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, claim-free, safe-driver, homeowner, multiple vehicle, and defensive driving course discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for a Hyundai Santa Fe is 28% or $382.
The importance of shopping around
Illinois auto insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Getting older, moving to a new city, or getting into an accident can trigger rate changes resulting in some rates now being more affordable than the competition.
In addition to those changes, auto insurance companies file new Illinois car insurance rates as often as every three months in order to be able to pay unexpected claims. Significantly higher claims may cause more expensive premiums, while lower claims may produce lower-cost Santa Fe insurance rates.
For instance, the data below shows the companies that have the cheapest car insurance in Chicago, IL for a 30-year-old male driver with a clear driving record, no claims, and solid credit. If we look at prices based on his current risk factors, The Hartford quotes the best car insurance rates in Chicago at $1,210 a year. This is $139 less than the average rate paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Cincinnati Insurance, and Erie are the rest of the cheapest Chicago, IL auto insurance companies.
Let's now give the driver from the first rate comparison a claim, bad credit, and a blemish on his driving record. Due to the fact that every auto insurer has their own guidelines for filing rates in each state, comparing rates will most likely result in a significantly different list of the cheapest car insurance companies in Chicago as shown below.
USAA now has the lowest price on auto insurance in Chicago with Travelers, SECURA, State Farm, and Auto-Owners completing the list. This example illustrates why consumers need to compare many different companies to get the most affordable car insurance rates for a Hyundai Santa Fe.
Rates are impacted by many things and change dramatically, so the most economical company when you bought your policy may now cost much more than other companies.