Hyundai Santa Fe insurance costs average $88 per month for minimum coverage and $170 monthly for full coverage. But, depending on your particular trim and model year, costs can range from $54 to $223 monthly for Hyundai Santa Fe coverage.
Hyundai Santa Fe Insurance Cost
Updated: November 15, 2025
Key Takeaways
Hyundai Santa Fe insurance costs range from $89 to $223 monthly on average, with rates varying based on specific trim level and model year you choose.
The Santa Fe ranks 33fourth out of 827 vehicle models for insurance affordability in the United States auto market from 2000 through 2025.
GEICO delivers the most affordable Hyundai Santa Fe insurance, charging $125 monthly for full coverage and just $58 for minimum coverage policies that meet state requirements.
How Much Is Hyundai Santa Fe Insurance?
| Hyundai Santa Fe | $88 | $170 |
Hyundai Santa Fe Insurance Cost by Model Year
Your Hyundai Santa Fe's model year and available trims affect your insurance rates, with newer models usually costing more due to higher fair value. Monthly premiums range from $68 for older Santa Fe models to $206 for newer versions.
| 2025 | $97 | $188 |
| 2024 | $97 | $189 |
| 2023 | $90 | $174 |
| 2022 | $93 | $181 |
| 2021 | $92 | $180 |
| 2020 | $90 | $175 |
| 2019 | $94 | $182 |
| 2018 | $87 | $169 |
| 2017 | $86 | $166 |
| 2016 | $81 | $157 |
| 2015 | $73 | $141 |
| 2014 | $93 | $180 |
| 2013 | $107 | $206 |
| 2012 | $91 | $175 |
| 2011 | $80 | $154 |
| 2010 | $82 | $159 |
| 2009 | $85 | $164 |
| 2008 | $80 | $154 |
| 2007 | $71 | $136 |
| 2006 | $84 | $162 |
| 2005 | $85 | $163 |
| 2004 | $80 | $154 |
| 2003 | $75 | $143 |
| 2002 | $69 | $133 |
| 2001 | $68 | $130 |
Hyundai Santa Fe Insurance Cost by Trim
Your Hyundai Santa Fe's trim affects insurance costs based on features, market value and desirability. Monthly premiums range from $54 for basic trims to $205 for premium versions, creating a substantial difference in your annual insurance budget.
| 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 |
Hyundai Santa Fe Insurance Cost by Company
Hyundai Santa Fe insurance costs vary by provider from $91 to $219 monthly. Minimum coverage ranges from $58 to $143, while full coverage costs $125 to $312. Rates vary due to different risk assessment models.
| GEICO | $58 | $125 |
| Travelers | $80 | $146 |
| State Farm | $82 | $170 |
| Progressive | $87 | $162 |
| The Hartford | $91 | $155 |
| Kemper | $94 | $191 |
| AAA | $97 | $202 |
| Nationwide | $101 | $175 |
| Amica | $110 | $224 |
| Allstate | $114 | $220 |
| Chubb | $119 | $235 |
| AIG | $125 | $312 |
| Farmers | $127 | $224 |
| UAIC | $143 | $178 |
Hyundai Santa Fe Insurance Cost by State
Hyundai Santa Fe insurance costs vary by location, from as low as $32 monthly in Wyoming to $366 monthly in Louisiana. Below you can review pricing within your area.
| 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 Insurance Cost by Driver Profile
Your age and driving history impact Hyundai Santa Fe insurance costs. Young drivers under 25 face steep monthly premiums averaging $326, while adults between 26-64 enjoy much lower rates at just $129 monthly. This gap reflects insurers' risk assessments based on driver demographics.
| Adult Drivers | $88 | $170 |
| Young Drivers | $224 | $429 |
| Senior Drivers | $117 | $215 |
| Drivers With a Speeding Ticket | $109 | $213 |
| Drivers With an Accident | $129 | $248 |
| Drivers With a DUI | $161 | $308 |
| Drivers With Bad Credit | $209 | $419 |
Is a Hyundai Santa Fe Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Hyundai Santa Fe ranks 33fourth out of 827, placing it one around the average for car insurance prices. Among midsize crossover SUVs, the model ranks 10th out of 21.
| Suzuki XL-7 | $68 | $130 |
| Pontiac Torrent | $72 | $139 |
| Jeep Commander | $74 | $141 |
| Pontiac Aztek | $73 | $141 |
| Mazda CX-7 | $73 | $141 |
| Dodge Journey | $73 | $141 |
| Nissan Murano | $78 | $151 |
| Volkswagen Tourareg | $83 | $160 |
| Subaru Tribeca | $85 | $163 |
| Hyundai Santa Fe | $88 | $170 |
| Chevrolet Blazer | $89 | $172 |
| Toyota Highlander | $90 | $175 |
| Toyota Venza | $92 | $179 |
| Mazda CX-9 | $93 | $179 |
| Subaru Ascent | $94 | $182 |
| Mitsubishi Endeavor | $96 | $185 |
| Kia EV9 | $100 | $195 |
| Honda Prologue | $100 | $196 |
| Vinfast VF-8 | $107 | $209 |
| Kia Telluride | $108 | $210 |
| Hyundai Ioniq 9 | $109 | $214 |
Factors That Affect Hyundai Car Insurance Costs
Several factors affect your Hyundai Santa Fe insurance costs:
- Age (family-focused median): Middle-aged parents typically receive favorable rates due to responsible driving patterns.
- Gender (balanced family usage): Three-row SUV appeals to both parents for family transportation and outdoor activities.
- Income (middle to upper-middle class): Family SUV buyers typically have stable incomes and choose comprehensive coverage for protection.
Average Repair or Replacement Costs
Hyundai ranks fourth in repair affordability among 59 U.S. automakers with median annual costs of $587. Hyundai Santa Fe repair costs average $814 annually, making it one of the more expensive Hyundai models to repair.
Vehicle Trim, Features and Accessories
The Santa Fe offers five trim levels (SE, SEL, XRT, Limited, Calligraphy) with engines ranging from 277 horsepower (2.5L turbo) to 231 horsepower (hybrid).
Higher trims with panoramic displays, Nappa leather seating and advanced driver assistance increase replacement costs and insurance premiums.
Fuel Type
Santa Fe runs on regular gasoline with fuel economy ranging from 19 to 29 MPG depending on drivetrain and trim.
Hybrid models available with turbocharged 1.6L engine achieving up to 34 MPG combined. Standard gasoline engines and widespread service availability keep maintenance costs predictable for insurers.
Location
Santa Fe insurance rates vary by location due to regional theft patterns, weather risks and state regulations. As a popular family SUV, it has a moderate theft risk but benefits from Hyundai's extensive dealer network.
Driver Profile
Most Hyundai Santa Fe owners are established families and outdoor enthusiasts. This demographic includes parents with school-age children looking for a safe vehicle.
Driver demographics affect Hyundai Santa Fe rates:
How to Lower the Cost of Hyundai Santa Fe Insurance
Below we break down the available discounts to help you save on Hyundai Santa Fe insurance:
- 1Choose the right coverage
How much coverage you need for your Hyundai depends on its value, how often you drive and what your budget can take. Your options go from minimum liability with a $1,000 deductible to a 100/300/100 setup with a $500 deductible, and if you’re financing or leasing, gap coverage may be required.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then it can be easier to look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Hyundai Santa Fe, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Hyundai Santa Fe owners can bring premiums down by stacking discounts tied to multiple vehicles, bundled policies, clean driving records, strong safety tech and family-focused perks. Because most Santa Fe drivers are homeowners with larger households and a safety-first mindset, they naturally qualify for several of these savings opportunities.
- 5Consider alternative car insurance types
Hyundai Santa Fe owners should consider usage-based insurance or programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Hyundai Santa Fe insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Hyundai Santa Fe Insurance Cost: Bottom Line
Insuring a Hyundai Santa Fe costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Hyundai Santa Fe Insurance Rates: FAQ
Here are answers to common questions about insuring a Hyundai Santa Fe.
What is the average cost of car insurance for a Hyundai Santa Fe?
The Hyundai Santa Fe's average annual insurance cost is $1,052 for minimum coverage and $2,037 for full coverage.
What company has the cheapest car insurance for a Hyundai Santa Fe?
For full coverage protection, GEICO provides the cheapest rates at $125 monthly. Drivers seeking basic minimum coverage can also count on GEICO for the lowest premiums at $58 per month.
Are Hyundai Santa Fes expensive to insure?
Out of 827 vehicles we track, the Santa Fe ranks 33fourth for affordability. Among midsize crossover SUVs, this model sits at 10th out of 21.
What factors affect insurance costs for Hyundai Santa Fes?
Several things drive up your Hyundai Santa Fe rates. Repairs cost more because of specialized parts and the steel body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with weather risks or more theft cost more.
How can I lower Hyundai Santa Fe insurance costs?
Shop around with multiple insurers as rates vary for Hyundais, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Hyundai Santa Fe Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Hyundai Santa Fe insurance costs.
Who We Based These Rates On
These Hyundai Santa Fe prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.