Who Has the Cheapest Car Insurance Quotes for a Hyundai Santa Fe in Mesa?

Buying cheap insurance for a Hyundai Santa Fe in Arizona relies on a whole bunch of factors such as how you use your Santa Fe, your residence address, and any driving offenses on your record. Arizona drivers pay around $777 annually to insure their Santa Fe, but that amount is an estimate calculated based on a 40-year-old married male driver with full physical damage coverage and $500 deductibles.

Most likely you aren’t exactly 40 years old or even a male, possibly single instead of married, and you need different coverage limits than the sample rates. Even a minor difference in rating variables or coverage information can make a large difference in the price of coverage.

Every driver’s needs are different, and that is why the best way to find cheap auto insurance rates for your Hyundai is to compare as many rates as you can.

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The specific trim level has an effect on the cost of insurance, so the price to insure a Santa Fe GLS 2WD trim level will be $96 less than the price to insure the high end Santa Fe Limited 4WD trim level, as demonstrated by the prices below.

Hyundai Santa Fe Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $150 $290 $308 $18 $92 $858 $72
Santa Fe GLS 4WD $172 $290 $308 $18 $92 $880 $73
Santa Fe SE 2WD $172 $290 $308 $18 $92 $880 $73
Santa Fe Limited 2WD $172 $342 $308 $18 $92 $932 $78
Santa Fe SE 4WD $172 $342 $308 $18 $92 $932 $78
Santa Fe Limited 4WD $194 $342 $308 $18 $92 $954 $80
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in vehicle garaging location which can raise or lower rates significantly.

Finding the right car insurance company is difficult considering how many different insurance companies sell coverage in Arizona. The information listed below could help you analyze which providers you want to consider when comparing rate quotes. The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence will not be included in these rankings.

Top 10 Large Car Insurance Companies in Mesa Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Large Car Insurance Companies in Mesa Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Mercury Insurance
  5. Progressive
  6. The General
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

Impact of citations and accidents on Mesa insurance rates

In a perfect world, the ideal way to obtain the cheapest insurance rates in Mesa for a Santa Fe is to pay attention while driving and avoid at-fault accidents and violations. The chart below highlights how traffic violations and at-fault accidents can drive up insurance costs for each different age category. Data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of auto insurance in Mesa per year with no violations or accidents is $1,706. Factor in two speeding tickets and the average cost surges to $2,360, an increase of $654 each year. Now add one accident along with the two speeding tickets and the annual cost of insurance for a Hyundai Santa Fe goes up to an average of $3,029. That’s an increase of $1,322, or $110 per month, just for a couple of infractions!

The benefit of shopping around

Mesa insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. Simply getting older, buying a different vehicle, or getting a ticket for careless driving can trigger changes in premium that can cause some rates to be more affordable than competitors. Not only may your situation change, but insurance companies modify pricing as needed to ensure their profitability. Larger than normal claims may cause rate increases, while a better claims history can produce cheaper Santa Fe insurance rates.

To help illustrate this point, the graph below shows rates for the cheapest car insurance in Mesa, AZ for a 45-year-old male driver with a good driving record, no prior claims, and great credit. If we estimate prices based on his current rating profile, The Hartford has the most affordable car insurance rates in Mesa at $1,115 per year. This is $313 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remainder of the cheapest Mesa, AZ auto insurance companies.

In the next rate comparison, we’ll give the driver from above a claim, a little lower credit rating, and a speeding citation. Because each insurer has their own formula to set premium rates, comparing insurance quotes will most likely result in a substantially altered list of companies as shown below.

GEICO now has the cheapest insurance rate in Mesa, AZ with CSAA, Allied, Ameriprise Group, and Safeco completing the list. This demonstrates why it is critical to take the time to shop around when trying to find the most economical car insurance rates for a Hyundai Santa Fe.

Insurance rates can be altered by many factors and change frequently, so the most affordable company two years ago may now not even be in the top five.