Hyundai Santa Fe insurance costs vary by model year, with 2025 models averaging $188 monthly compared to $54 for older versions. Newer Santa Fes are more expensive to insure since they’re worth more.
Hyundai Santa Fe Insurance Cost
Updated: January 22, 2026
Key Takeaways
GEICO offers the most affordable rates for Hyundai Santa Fe owners. Full coverage averages about $170 per month, with costs varying by model year and insurer. Read more.
SUVs usually pay higher premiums due to increased repair costs and liability exposure, placing the Santa Fe at 80th out of 256 SUVs for affordability in the middle tier range. Read more.
Teen drivers on your policy make model year specificity crucial for accurate Santa Fe insurance quotes, as rates differ across companies and vehicle years. Read MoneyGeek's analysis of rates by company for specific Santa Fe model years depending on the age of the drivers.
How Much Is Hyundai Santa Fe Insurance?
Looking for another Hyundai model? Read more about the cost of Hyundai car insurance models.
Costs vary by model year and company. Hyundai Santa Fe minimum coverage ranges from $58 monthly with GEICO to $143 with UAIC, while full coverage spans $125 with GEICO to $312 with AIG.
Rate variations (more than $85 for minimum coverage and $187 for full coverage) demonstrate why Santa Fe owners need to shop around. Companies calculate risk differently for each model, which impacts your final quote.
| AAA | $97 | $202 |
| AIG | $125 | $312 |
| Allstate | $114 | $220 |
| Amica | $110 | $224 |
| Chubb | $119 | $235 |
| Farmers | $127 | $224 |
| Geico | $58 | $125 |
| Kemper | $94 | $191 |
| Nationwide | $101 | $175 |
| Progressive | $87 | $162 |
| State Farm | $82 | $170 |
| The Hartford | $91 | $155 |
| Travelers | $80 | $146 |
| UAIC | $143 | $178 |
Is Hyundai Santa Fe Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Hyundai Santa Fe ranking 80th for insurance affordability, meaning 79 models cost less to insure. It's positioned between the slightly cheaper Jeep Renegade and the marginally pricier Infiniti QX70, putting it in the middle tier among SUVs. This moderate ranking among SUVs tells part of the story.
While it's middle of the pack for SUVs, the Santa Fe actually ranks 334th out of 827 total vehicles, placing it in the top half for affordability. The cheapest SUV to insure is the Isuzu Amigo, while the Audi SQ8 e-tron commands the highest premiums.
| Toyota 4Runner | $128 | 77 |
| Mercedes GLK-Class | $128 | 77 |
| Infiniti FX | $128 | 78 |
| Jeep Renegade | $129 | 79 |
| Hyundai Santa Fe | $129 | 80 |
| Infiniti QX70 | $129 | 81 |
| Hyundai NEXO | $129 | 82 |
| Toyota C-HR | $129 | 83 |
| Lincoln MKT | $129 | 83 |
| Acura RDX | $129 | 83 |
Several factors affect what you'll pay for Hyundai Santa Fe insurance:
- Average Repair or Replacement Costs: With annual repair costs averaging $814, the Santa Fe ranks as Hyundai's 12th most affordable model to maintain out of 20. This relatively low maintenance expense helps keep insurance premiums reasonable.
- Vehicle Trim, Features and Accessories: The Santa Fe's horsepower ranges from 191 to 281 depending on trim level. Higher-performance trims with more powerful engines usually result in increased insurance premiums due to greater risk exposure.
- Driver Profile: Most Santa Fe drivers fall between 35 to 50 years old with a median age around 42, generally earning lower rates due to responsible driving habits. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Hyundai Santa Fes for young drivers.
Hyundai Santa Fe Insurance Cost by State
Car insurance for a Hyundai Santa Fe costs anywhere from $32 monthly in Wyoming to $170 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the Santa Fe itself.
| Alabama | $74 | $139 |
| Alaska | $62 | $131 |
| Arizona | $104 | $194 |
| Arkansas | $72 | $160 |
| California | $83 | $168 |
| Colorado | $84 | $202 |
| Connecticut | $121 | $208 |
| Delaware | $122 | $204 |
| Florida | $114 | $264 |
| Georgia | $128 | $211 |
| Hawaii | $46 | $104 |
| Idaho | $48 | $97 |
| Illinois | $79 | $147 |
| Indiana | $56 | $110 |
| Iowa | $50 | $119 |
| Kansas | $63 | $146 |
| Kentucky | $107 | $182 |
| Louisiana | $170 | $366 |
| Maine | $44 | $92 |
| Maryland | $136 | $229 |
| Massachusetts | $89 | $188 |
| Michigan | $136 | $262 |
| Minnesota | $71 | $148 |
| Mississippi | $75 | $149 |
| Missouri | $102 | $204 |
| Montana | $64 | $151 |
| Nebraska | $62 | $141 |
| Nevada | $155 | $281 |
| New Hampshire | $60 | $107 |
| New Jersey | $142 | $234 |
| New Mexico | $71 | $159 |
| New York | $106 | $190 |
| North Carolina | $72 | $141 |
| North Dakota | $51 | $112 |
| Ohio | $66 | $129 |
| Oklahoma | $80 | $177 |
| Oregon | $107 | $185 |
| Pennsylvania | $75 | $176 |
| Rhode Island | $106 | $190 |
| South Carolina | $88 | $164 |
| South Dakota | $47 | $144 |
| Tennessee | $68 | $138 |
| Texas | $108 | $221 |
| Utah | $94 | $160 |
| Vermont | $39 | $94 |
| Virginia | $81 | $131 |
| Washington | $80 | $148 |
| West Virginia | $74 | $152 |
| Wisconsin | $57 | $126 |
| Wyoming | $32 | $100 |
Hyundai Santa Fe Costs by Model Year and Insurance Company
A 2025 Hyundai Santa Fe costs an average of $188 monthly for full coverage insurance for drivers ages 35 to 55, while a 2016 model averages about $157 for the same coverage. Newer car models tend to be more expensive to insure than older models due to higher repair and replacement costs.
Young drivers in their teens and early 20s pay much higher premiums across all Santa Fe model years. GEICO offers the lowest average rates across Santa Fe model years, and comparing quotes from multiple insurers provides the best opportunity to reduce coverage costs.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Hyundai Santa Fe
| Geico | $62 | $135 |
| Travelers | $82 | $153 |
| National General | $86 | $176 |
| Progressive | $93 | $175 |
| State Farm | $94 | $198 |
| Nationwide | $95 | $165 |
| The Hartford | $99 | $170 |
| Kemper | $107 | $220 |
| AAA | $115 | $239 |
| Allstate | $123 | $237 |
| Amica | $130 | $267 |
| Chubb | $140 | $279 |
| AIG | $142 | $356 |
| Farmers | $149 | $264 |
| UAIC | $150 | $189 |
Cost of Car Insurance for 2024 Hyundai Santa Fe
| Geico | $63 | $138 |
| Travelers | $83 | $154 |
| National General | $86 | $177 |
| Progressive | $93 | $174 |
| State Farm | $95 | $198 |
| Nationwide | $96 | $166 |
| The Hartford | $102 | $174 |
| Kemper | $108 | $221 |
| AAA | $115 | $240 |
| Allstate | $123 | $238 |
| Amica | $130 | $267 |
| Chubb | $142 | $285 |
| AIG | $144 | $361 |
| Farmers | $151 | $267 |
| UAIC | $152 | $192 |
Cost of Car Insurance for 2023 Hyundai Santa Fe
| Geico | $60 | $130 |
| National General | $75 | $154 |
| Travelers | $77 | $141 |
| Progressive | $80 | $150 |
| State Farm | $87 | $182 |
| Nationwide | $93 | $160 |
| Kemper | $100 | $203 |
| AAA | $103 | $215 |
| The Hartford | $103 | $176 |
| Allstate | $112 | $217 |
| Amica | $114 | $234 |
| Chubb | $132 | $262 |
| AIG | $134 | $337 |
| Farmers | $142 | $251 |
| UAIC | $144 | $181 |
Cost of Car Insurance for 2022 Hyundai Santa Fe
| Geico | $61 | $133 |
| National General | $80 | $163 |
| Travelers | $80 | $147 |
| Progressive | $87 | $162 |
| State Farm | $90 | $187 |
| Nationwide | $99 | $172 |
| The Hartford | $103 | $175 |
| AAA | $109 | $226 |
| Kemper | $110 | $226 |
| Allstate | $119 | $229 |
| Amica | $122 | $250 |
| Chubb | $137 | $273 |
| AIG | $140 | $353 |
| Farmers | $144 | $254 |
| UAIC | $146 | $184 |
Cost of Car Insurance for 2021 Hyundai Santa Fe
| Geico | $59 | $129 |
| National General | $78 | $159 |
| Travelers | $81 | $148 |
| Progressive | $86 | $161 |
| State Farm | $91 | $191 |
| Nationwide | $98 | $170 |
| The Hartford | $101 | $172 |
| AAA | $107 | $223 |
| Kemper | $110 | $225 |
| Allstate | $116 | $225 |
| Amica | $120 | $245 |
| Chubb | $135 | $268 |
| AIG | $138 | $347 |
| Farmers | $141 | $249 |
| UAIC | $144 | $180 |
Cost of Car Insurance for 2020 Hyundai Santa Fe
| Geico | $60 | $132 |
| National General | $75 | $154 |
| Travelers | $82 | $151 |
| Progressive | $85 | $160 |
| State Farm | $90 | $186 |
| The Hartford | $100 | $170 |
| Nationwide | $103 | $179 |
| AAA | $104 | $216 |
| Allstate | $106 | $204 |
| Kemper | $107 | $219 |
| Amica | $116 | $238 |
| Chubb | $134 | $266 |
| Farmers | $135 | $239 |
| AIG | $136 | $343 |
| UAIC | $144 | $180 |
Cost of Car Insurance for 2019 Hyundai Santa Fe
| Geico | $61 | $133 |
| National General | $76 | $156 |
| Progressive | $90 | $168 |
| Travelers | $90 | $165 |
| State Farm | $96 | $200 |
| The Hartford | $99 | $170 |
| Kemper | $102 | $205 |
| AAA | $106 | $220 |
| Allstate | $110 | $214 |
| Nationwide | $113 | $195 |
| Amica | $118 | $242 |
| Farmers | $140 | $249 |
| AIG | $141 | $358 |
| Chubb | $142 | $282 |
| UAIC | $144 | $182 |
Cost of Car Insurance for 2018 Hyundai Santa Fe
| Geico | $57 | $124 |
| National General | $68 | $139 |
| Travelers | $79 | $146 |
| State Farm | $84 | $175 |
| Progressive | $87 | $162 |
| The Hartford | $94 | $160 |
| AAA | $98 | $204 |
| Amica | $106 | $217 |
| Allstate | $106 | $205 |
| Nationwide | $107 | $185 |
| Kemper | $108 | $220 |
| Chubb | $117 | $232 |
| Farmers | $124 | $220 |
| AIG | $126 | $314 |
| UAIC | $137 | $171 |
Cost of Car Insurance for 2017 Hyundai Santa Fe
| Geico | $53 | $116 |
| National General | $65 | $134 |
| Travelers | $78 | $143 |
| State Farm | $80 | $165 |
| Progressive | $88 | $165 |
| The Hartford | $90 | $153 |
| AAA | $96 | $199 |
| Kemper | $102 | $209 |
| Amica | $103 | $210 |
| Allstate | $108 | $208 |
| Nationwide | $108 | $186 |
| Chubb | $111 | $221 |
| Farmers | $120 | $213 |
| AIG | $122 | $302 |
| UAIC | $133 | $166 |
Cost of Car Insurance for 2016 Hyundai Santa Fe
| Geico | $49 | $107 |
| National General | $61 | $125 |
| Travelers | $74 | $136 |
| State Farm | $75 | $156 |
| The Hartford | $77 | $131 |
| Kemper | $83 | $168 |
| Progressive | $89 | $167 |
| AAA | $89 | $185 |
| Amica | $96 | $196 |
| Chubb | $100 | $198 |
| Nationwide | $103 | $177 |
| Allstate | $106 | $203 |
| Farmers | $108 | $193 |
| AIG | $112 | $275 |
| UAIC | $122 | $151 |
Hyundai Santa Fe Insurance Cost by Trim
Hyundai Santa Fe insurance costs range from $54 monthly for minimum coverage on basic GL Sport Utility 4D models to $205 for full coverage on Limited variants. Your trim's market value and rarity determine where you'll fall in this range.
| Gl Sport Utility 4d | $54 | $104 |
| Sport Utility 4d | $72 | $138 |
| Lx Sport Utility 4d | $77 | $148 |
| Gls Sport Utility 4d | $79 | $152 |
| Se Sport Utility 4d | $85 | $164 |
| 2.0t Ultimate Sport Utility 4d | $85 | $165 |
| 2.0t Sel Sport Utility 4d | $85 | $166 |
| Xl Limited Ultimate Sport Utility 4d | $85 | $166 |
| Sport 2.0t Ultimate Sport Utility 4d | $86 | $167 |
| Se Ultimate Sport Utility 4d | $87 | $169 |
| Limited Sport Utility 4d | $88 | $170 |
| Limited Ultimate Sport Utility 4d | $89 | $172 |
| Sport Sport Utility 4d | $89 | $173 |
| Sel | $89 | $174 |
| Calligraphy Sport Utility 4d | $90 | $174 |
| Se | $90 | $176 |
| Sel Sport Utility 4d | $91 | $176 |
| 2.4 Limited Sport Utility 4d | $92 | $178 |
| Xrt Sport Utility 4d | $92 | $179 |
| Blue Sport Utility 4d | $92 | $180 |
| 2.0t Limited Sport Utility 4d | $93 | $180 |
| Sport 2.0t Sport Utility 4d | $93 | $180 |
| 2.4 Sel Sport Utility 4d | $94 | $181 |
| Sel Premium Sport Utility 4d | $94 | $182 |
| 2.4 Ultimate Sport Utility 4d | $96 | $185 |
| 2.4 Sel Plus Sport Utility 4d | $96 | $185 |
| Xl Se Sport Utility 4d | $97 | $189 |
| Calligraphy | $98 | $191 |
| 2.4 Se Sport Utility 4d | $98 | $190 |
| Xrt | $100 | $195 |
| Limited | $105 | $205 |
How to Lower the Cost of Hyundai Santa Fe Insurance
We've compiled the most effective strategies to help you find better rates on your Hyundai Santa Fe insurance:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Hyundai Santa Fe. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for SUVs. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Santa Fe.
- 3Look for More than Just Low Rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need help most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Hyundai Santa Fe owners often get safety features discounts for automatic emergency braking, good driver discounts for clean records, multi-vehicle savings for insuring multiple cars and bundling discounts when combining auto and home policies.
- 5Consider Alternative Car Insurance Types
Hyundai Santa Fe owners might benefit from usage-based insurance options such as Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These programs monitor factors like hard braking, acceleration and mileage to reward careful drivers with lower rates.
- 6Check Rates Every Year
Get car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Hyundai Santa Fe insurance. Set a calendar reminder to shop around each renewal period.
Hyundai Santa Fe Insurance Cost: Bottom Line
Hyundai Santa Fe insurance runs average in cost compared to other vehicles, though decent rates are available. You'll secure better pricing by shopping multiple carriers, claiming applicable discounts and selecting appropriate coverage levels.
Hyundai Santa Fe Insurance Rates: FAQ
What is the average cost of car insurance for a Hyundai Santa Fe?
Insurance for a Hyundai Santa Fe averages $1,052 annually for minimum coverage and $2,037 for full coverage. These rates make it a relatively affordable SUV to insure.
What company has the cheapest car insurance for a Hyundai Santa Fe?
GEICO provides the most affordable auto insurance for Hyundai Santa Fe owners at $691 annually for minimum coverage. The company also offers the best value for full coverage at $1,501 per year.
Are Hyundai Santa Fes expensive to insure?
No, Hyundai Santa Fe insurance is not expensive compared to most vehicles. Among SUVs specifically, it ranks 80th out of 256 for affordability, while placing 334th out of 827 total vehicles we track.
What factors affect insurance costs for Hyundai Santa Fes?
Multiple factors affect your Hyundai Santa Fe insurance rates. The vehicle features moderate theft rates and affordable repair costs due to common parts, while high safety ratings help reduce liability costs. Your driving record, credit score and coverage selections influence your final premium.
How can I lower Hyundai Santa Fe insurance costs?
Compare quotes from multiple insurers since Santa Fe pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with the same insurer and maintain a clean driving record to get better rates.
How We Determined Hyundai Santa Fe Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Hyundai Santa Fe insurance costs.
Who We Based These Rates On
These Hyundai Santa Fe rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.