Hyundai Santa Fe Insurance Cost

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.

Looking for another Hyundai model? Read more about the cost of Hyundai car insurance models.

Rates vary by model year and insurer. GEICO is cheapest for the Hyundai Santa Fe at $58 a month for minimum coverage and $125 for full. UAIC charges the most for minimum at $143 and AIG the most for full at $312.

Minimum coverage varies by more than $85 between insurers. Full coverage varies by more than $187. Each company calculates model-specific risk differently, so the same driver gets different quotes.

Among 256 SUVs, the Hyundai Santa Fe ranks 80th for insurance affordability. It's a few dollars a month more than a Jeep Renegade and a few less than an Infiniti QX70. 

Across all 827 vehicles in MoneyGeek's database, the Santa Fe ranks 334th, putting it in the top half for affordability overall. The Isuzu Amigo is the cheapest SUV to insure. The Audi SQ8 e-tron is the most expensive.

Several factors affect what you'll pay for Hyundai Santa Fe insurance:

• Average Repair or Replacement Costs: Hyundai Santa Fe repairs average $814 a year, so it's 12th most affordable among 20 Hyundai models. Lower repair costs keep premiums down relative to pricier Hyundai vehicles.
• Vehicle Trim, Features and Accessories: Horsepower ranges from 191 to 281 depending on trim. Higher-performance trims cost more to insure because more power raises claim risk.
• Driver Profile: Most Santa Fe drivers are 35 to 50 with a median age around 42, an age range that typically sees lower rates. The Santa Fe's performance profile can draw higher-risk drivers, which insurers price in. Hyundai Santa Fe costs for young drivers are broken out by model year and age.

The Hyundai Santa Fe sits in an interesting spot among compact and mid-size SUVs. It's larger and better-equipped than the Honda CR-V, closer in price to the Toyota RAV4, and often cross-shopped against both. If you're considering a Santa Fe, here's how the insurance math actually plays out against two of its closest competitors.  

On a new Santa Fe, the insurance is better than you might expect. At $188 a month for full coverage, it costs only $14 more to insure than a CR-V despite being $6,500 more expensive to buy, so it has the best insurance-to-value ratio of the three. The RAV4 is the most expensive to insure at $211 a month, making the Santa Fe the middle ground on insurance even if it leads on sticker price.  

The used picture is worth paying attention to. A 2021 Santa Fe is the cheapest of the three to buy at around $19,400, but at $180 a month it's the most expensive to insure. The Santa Fe also depreciates faster than both the CR-V and the RAV4, but insurance rates don't follow the car's value down at the same pace. If a used Santa Fe is on your list primarily because of its lower price, make sure you're also running the insurance number.

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.

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:

• 2025 Hyundai Santa Fe Insurance Rates
• 2024 Hyundai Santa Fe Insurance Rates
• 2023 Hyundai Santa Fe Insurance Rates
• 2022 Hyundai Santa Fe Insurance Rates
• 2021 Hyundai Santa Fe Insurance Rates

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.

The Santa Fe's biggest insurance jump happens early in the trim ladder. Moving from the base GL up to current SE and SEL trims adds $60–78 a month — a meaningful step that reflects the significant difference in market value between entry and mid-level models. 

From there, the cost tapers off — stepping up to the top Calligraphy and Limited trims adds only another $15–23 per month. If you're comparing trims within the current lineup, it's the difference between the oldest base models and everything else where the difference is worth factoring in.

We've compiled the most effective strategies to help you find better rates on your Hyundai Santa Fe insurance:

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.

We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025.

Who We Based These Rates On

Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.

Coverage Definitions

• Minimum coverage: State-required liability limits
• Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible