Who Has the Cheapest Car Insurance Rates for a Hyundai Santa Fe in Fort Worth?

Finding affordable car insurance for a Hyundai Santa Fe in Texas is pretty simple for most people to do, but it relies on an enormous amount of factors such as the mileage of your daily commute, whether you are claim-free, and driving violations. Drivers pay on average $1,168 per year to insure their Santa Fe, but that figure is an estimate based upon a 40-year-old single male driver with full physical damage coverage and $500 deductibles.

The issue that arises when projecting rates is that it’s very likely that you may not be 40 years old (or even male), you might be married instead of single, or maybe your Santa Fe doesn’t need full coverage. This shows why the way we recommend to find the cheapest insurance price for your Hyundai is to put in the effort to do a thorough rate comparison.

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The specific model of Santa Fe will have an impact the insurance rate, so the price you will pay to insure a Santa Fe GLS 2WD trim level will be $142 lower than the cost to insure the more well-appointed Santa Fe Limited 4WD trim level, as shown below.

Hyundai Santa Fe Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $204 $460 $462 $28 $138 $1,292 $108
Santa Fe GLS 4WD $234 $460 $462 $28 $138 $1,322 $110
Santa Fe SE 2WD $234 $460 $462 $28 $138 $1,322 $110
Santa Fe Limited 2WD $234 $542 $462 $28 $138 $1,404 $117
Santa Fe SE 4WD $234 $542 $462 $28 $138 $1,404 $117
Santa Fe Limited 4WD $264 $542 $462 $28 $138 $1,434 $120
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in vehicle garaging location which can raise or lower price quotes significantly.

Ending up with the top car insurance provider can be rather challenging considering how many choices you have in Fort Worth. The company information in the next section could help you pick which auto insurance companies you want to consider comparing price quotes from.

The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Texas or surrounding areas are not included in this list. To get price quotes from these and other top-rated companies, simply click here.

Best Ten Auto Insurance Companies for a Hyundai Santa Fe in Fort Worth
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

Do you need full coverage?

Saving on auto insurance is important to the majority of drivers, and one of the quickest ways to save on the cost of insurance for a Hyundai Santa Fe is to buy only liability coverage. The information below shows the comparison of insurance rates when comparing full coverage to liability only. The premium estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.

As an average for all age groups, physical damage insurance costs an extra $1,993 per year more than insuring for liability only. That is a significant amount which raises the question if physical damage coverage is worth the money. There is no definitive rule to stop paying for physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying in excess of $300 a year for full coverage, then you might want to think about dropping full coverage.

There are some situations where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Your low-price policy may be costing you money

Fort Worth, TX auto insurance rates are influenced by many factors that may substantially change the cost of coverage. Improving your credit score, buying a home instead of renting, or having an accident can trigger price changes resulting in some companies being much cheaper than others. Not only that, but car insurance companies change the rates they charge in Texas at least once a year in order to protect their financial rating. Significantly higher claims may result in rate hikes, while lower claim levels may result in cheaper Santa Fe insurance rates.

As an example, the chart below shows rates for the cheapest car insurance in Fort Worth, TX for a 30-year-old male driver with a good driving record, no prior claims, and excellent credit. When quoting prices based on his current rating profile, Travelers has the most affordable car insurance rates in Fort Worth at $1,092 annually. This is $812 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the top five cheapest Fort Worth, TX auto insurance companies.

The next chart shows rates after we give the driver in the first example an at-fault accident, a lower credit rating, and a few traffic violations. Since each auto insurance company uses their own calculation for establishing rates, comparing insurance quotes may now result in a significantly different list of the cheapest car insurance companies in Fort Worth as shown below.

State Farm now has the cheapest car insurance in Fort Worth, TX with Mercury, USAA, Nationwide, and Safe Auto completing the list. This illustrates why drivers need to compare many different companies to find the best car insurance quotes for a Hyundai Santa Fe. Car insurance prices can be determined by many different factors and can increase or decrease at any time, so the lowest-price company when you bought your policy may now be one of the higher cost companies.