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Key Takeaways
- Full coverage insurance for a Hyundai Santa Fe costs an average of $1833 annually.
- At about $1659 annually, the SE trim level is the least expensive Santa Fe to insure.
- At $1929 per year, the Santa Fe Plug-in Hybrid Limited is the most expensive to insure.
How Much Does It Cost to Insure a Hyundai Santa Fe?
We looked at the average rates for the SE model up to the Plug-in Hybrid Limited trim level to see how the Santa Fe compares to the other midsize SUVs in the 2023 segment.
The average cost of car insurance for a Hyundai Santa Fe is $1833 a year. Insurance for a Hyundai Santa Fe will cost about $86 more per year than the average rate for a midsize SUV and $125 more per year than the national average of $1710 for all vehicles.
Average Annual Cost of Hyundai Santa Fe by Company
If you drive a Hyundai, you probably put a lot of value on what Hyundai does best: making reliable, functional, and of good quality that lasts.
Look at the table below to see what options drivers of a Hyundai Santa Fe Se have with different insurance companies.
| Insurance company | Average Cost |
|---|---|
| Allstate | $2592 |
| Plymouth Rock | $2349 |
| State Auto | $2400 |
| National General | $2310 |
| Clearcover | $2292 |
How Much It Costs to Insure a Hyundai Santa Fe by Model Year
The following table shows the average annual and semiannual rates for full coverage car insurance for 2013 - 2023 Santa Fe models.
| Model Year and Vehicle | Annual Rate |
|---|---|
| 2023 Hyundai Santa Fe | $1818 |
| 2022 Hyundai Santa Fe | $1740 |
| 2021 Hyundai Santa Fe | $1731 |
| 2020 Hyundai Santa Fe | $1719 |
| 2018 Hyundai Santa Fe | $1680 |
| 2017 Hyundai Santa Fe | $1557 |
| 2016 Hyundai Santa Fe | $1419 |
| 2015 Hyundai Santa Fe | $1359 |
| 2014 Hyundai Santa Fe | $1329 |
| 2013 Hyundai Santa Fe | $1281 |
How Expensive Is It to Insure a Hyundai Santa Fe Compared to Other Cars?
Full coverage insurance for Santa Fe costs an average of $1833 per year, while the median rate for the category is $1770. This is a difference of $63 per year.
Among the best-selling midsize SUVs, the Hyundai Santa Fe's car insurance costs $66 less per year than that of the Jeep Grand Cherokee, $48 more than that of the Toyota Highlander, $306 more than that of the Ford Explorer, and $104 less than that of the Jeep Cherokee.
The table below shows how the average cost of car insurance for a 2023 Hyundai Santa Fe compares to the average cost for all 31 midsize SUVs.
| Make and Model | Average Annual Rates |
|---|---|
| Buick Enclave | $1719 |
| Chevrolet Blazer | $1192 |
| Chevrolet Traverse | $1518 |
| Dodge Durango | $1638 |
| Ford Bronco | $1989 |
| Ford Edge | $1919 |
| Ford Explorer | $2030 |
| GMC Acadia | $1736 |
| Honda Passport | $1225 |
| Honda Pilot | $1740 |
| Hyundai Palisade | $2103 |
| Hyundai Santa Fe | $1833 |
| Jeep Cherokee | $1692 |
| Jeep Grand Cherokee | $1680 |
| Jeep Wrangler | $1744 |
| Kia Sorento | $1647 |
| Kia Telluride | $1748 |
| Mazda CX-9 | $1527 |
| Mitsubishi Outlander PHEV | $1394 |
| Mitsubishi Outlander Sport | $2544 |
| Nissan Murano | $1419 |
| Nissan Pathfinder | $1689 |
| Rivian R1S | $2181 |
| Subaru Ascent | $1308 |
| Subaru Outback | $1390 |
| Tesla Model Y | $1,970 |
| Toyota 4Runner | $1689 |
| Toyota Highlander | $1523 |
| Toyota Venza | $1629 |
| Volkswagen Atlas | $1588 |
| Volkswagen Atlas Cross Sport | $1596 |
How Much It Costs to Insure a Hyundai Santa Fe by Age
The table below shows how the average cost of car insurance for a Hyundai Santa Fe changes depending on the driver's age and the amount of physical damage deductible. The yearly rates range from $1,368 for a 60-year-old driver with $1,000 deductibles to $4,194 for a 20-year-old driver with low deductibles for the most expensive policy.
| Age | $1000 Deductibles | $500 Deductibles | $250 Deductibles |
|---|---|---|---|
| 20 | $3078 | $3636 | $4209 |
| 30 | $1620 | $1920 | $2241 |
| 40 | $1539 | $1818 | $2124 |
| 50 | $1419 | $1659 | $1929 |
| 60 | $1389 | $1638 | $1896 |
For the same coverage, insurance rates for a Hyundai Santa Fe can also vary significantly from one company to the next. If you've been with your current insurance company for over a few years, you should get new quotes to ensure you're paying only a little.
| Age | Average Annual Rates |
|---|---|
| 17 | $5,855 |
| 18 | $5,457 |
| 19 | $4,822 |
| 20 | $4,205 |
| 21 | $3,526 |
| 22 | $3,434 |
| 23 | $3,005 |
| 24 | $2,855 |
| 25 | $2,463 |
| 30 | $1,919 |
| 35 | $1,797 |
| 40 | $1,729 |
| 45 | $1,682 |
| 55 | $1,543 |
| 65 | $1,609 |
| 75 | $2,031 |
Hyundai Santa Fe Insurance Cost by Trim Level
Average auto insurance rates for a Hyundai Santa Fe are between $1,642 and $1,912 annually. The SE is the most affordable trim level to insure, with rates between $1642 and $1912 per year. The SEL is the second least expensive trim level to insure at $1740 annually.
The Plug-in Hybrid Limited and the Calligraphy, which cost $1872 per year to insure, are the two most expensive Hyundai Santa Fe models to cover. These trim levels will cost $270 more per year than the SE model, which is the least expensive.
The following table shows how much each trim level of the Hyundai Santa Fe costs annually, every six months, and monthly.
| Hyundai Santa Fe Trim Level | Annual Policy |
|---|---|
| SE | $1659 |
| SEL | $1740 |
| XRT | $1770 |
| Hybrid Blue | $1812 |
| Hybrid SEL Premium | $1869 |
| Limited | $1872 |
| Plug-in Hybrid SEL Convenience | $1872 |
| Hybrid Limited | $1881 |
| Calligraphy | $1896 |
| Plug-in Hybrid Limited | $1929 |
Which states have cheaper Hyundai Santa Fe insurance?
The table below shows how much car insurance for a Hyundai Santa Fe costs in the most populated cities in the United States.
| Cities | Average Annual Rates |
|---|---|
| Oklahoma City, OK | $2181 |
| Denver, CO | $2139 |
| Memphis, TN | $2139 |
| Atlanta, GA | $2109 |
| San Jose, CA | $2052 |
| Phoenix, AZ | $2010 |
| Portland, OR | $1980 |
| San Diego, CA | $1968 |
| Boston, MA | $1965 |
| Jacksonville, FL | $1959 |
| Chicago, IL | $1899 |
| Dallas, TX | $1869 |
| Houston, TX | $1872 |
| Seattle, WA | $1863 |
| Nashville, TN | $1788 |
| Milwaukee, WI | $1691 |
| Albuquerque, NM | $1761 |
| San Antonio, TX | $1689 |
| Omaha, NE | $1641 |
| Fort Worth, TX | $1650 |
| Austin, TX | $1620 |
| Indianapolis, IN | $1470 |
| Columbus, OH | $1359 |
| Charlotte, NC | $1299 |
Depending on where you live, car insurance for a Hyundai Santa Fe can cost much more or less. Rates are higher in Michigan because the state requires much more coverage. Providers can't change rates based on a customer's credit score in California, Hawaii, and Massachusetts. These numbers also don't include any possible discounts for having more than one car on a policy. These can save a family with several drivers a lot of money.
The table below shows the average annual, semiannual, and monthly insurance rates for a 2023 Hyundai Santa Fe in all 50 states.
| U.S. State | Annual Cost |
|---|---|
| Alabama | $1,628 |
| Alaska | $1,370 |
| Arizona | $1,658 |
| Arkansas | $1,894 |
| California | $2,190 |
| Colorado | $1,942 |
| Connecticut | $2,016 |
| Delaware | $2,058 |
| Florida | $2,254 |
| Georgia | $1,848 |
| Hawaii | $1,236 |
| Idaho | $1,288 |
| Illinois | $1,588 |
| Indiana | $1,350 |
| Iowa | $1,210 |
| Kansas | $1,782 |
| Kentucky | $1,938 |
| Louisiana | $2,154 |
| Maine | $1,090 |
| Maryland | $1,680 |
| Massachusetts | $1,970 |
| Michigan | $2,472 |
| Minnesota | $1,550 |
| Mississippi | $1,764 |
| Missouri | $2,042 |
| Montana | $1,662 |
| Nebraska | $1,510 |
| Nevada | $2,166 |
| New Hampshire | $1,210 |
| New Jersey | $2,192 |
| New Mexico | $1,488 |
| New York | $2,096 |
| North Carolina | $1,130 |
| North Dakota | $1,498 |
| Ohio | $1,262 |
| Oklahoma | $1,998 |
| Oregon | $1,690 |
| Pennsylvania | $1,738 |
| Rhode Island | $2,242 |
| South Carolina | $1,516 |
| South Dakota | $1,862 |
| Tennessee | $1,722 |
| Texas | $1,678 |
| Utah | $1,586 |
| Vermont | $1,316 |
| Virginia | $1,202 |
| Washington | $1,636 |
| West Virginia | $1,612 |
| Wisconsin | $1,294 |
| Wyoming | $1,610 |
How Does Location Affect the Cost of Hyundai Santa Fe Insurance?
For example, liability-only insurance for a Hyundai Santa Fe in the least expensive parts of Indiana or Maine costs as little as $203 a year. In contrast, complete coverage for a teen driver with an accident and a traffic violation in certain parts of New York could cost as much as $15,646 a year in those areas.
What impacts the cost of Hyundai Santa Fe insurance rates?
The Hyundai Santa Fe is a popular mid-size SUV that offers drivers comfort, versatility, and reliability. If you're considering buying a Hyundai Santa Fe, factoring the insurance cost into your budget is essential. Insurance rates for this vehicle can vary based on several factors.
We'll explore some key factors that impact the cost of Hyundai Santa Fe insurance rates.
- Car Safety Features: Car safety features such as anti-lock brakes, airbags, and anti-theft devices can lower insurance rates. The Hyundai Santa Fe has advanced safety features like Blind-Spot Collision-Avoidance Assist, Forward Collision-Avoidance Assist with Pedestrian Detection, and Lane Keeping Assist. You may qualify for lower insurance rates if your vehicle has these safety features.
- Driving Record: Your driving record can significantly impact your insurance rates. You can expect to pay higher insurance premiums if you have a history of accidents or traffic violations. On the other hand, if you have a clean driving record, you may qualify for lower insurance rates.
- Location: Your location can also impact your insurance rates. If you live in an area with a high rate of car thefts or accidents, you can expect to pay more for insurance. Conversely, if you live in an area with low crime and accident rates, you may qualify for lower insurance rates.
- Age and Gender: Age and gender can also impact insurance rates. Generally, younger and male drivers are considered higher-risk drivers and pay higher insurance premiums. You may qualify for lower insurance rates if you're over 25 and female.
- Credit Score: Credit scores can also impact insurance rates. Insurance companies may use your credit score to determine your level of risk. If you have a low credit score, you may be considered a higher-risk driver and pay higher insurance rates.
The cost of Hyundai Santa Fe insurance rates can vary based on several factors. By understanding these factors, you can make informed decisions about your insurance coverage and take steps to lower your insurance premiums. Be sure to shop around and compare insurance rates from different providers to find the best coverage at the most affordable price.
How to Save Money on Hyundai Santa Fe Car Insurance
Why did the Hyundai Santa Fe driver get a ticket? Because they were caught hyundai-ing! Okay, okay, we know it's not that funny. But saving money on your Hyundai Santa Fe insurance is no joke!
Are you looking to save cash on your Hyundai Santa Fe car insurance? Well, you've come to the right place! Here are some tips to help you save money on your Santa Fe auto insurance:
- Compare Quotes About Santa Fe: Before you sign up for Hyundai Santa Fe insurance, comparing quotes from different insurance providers is essential. This will help you find the best coverage at the most affordable price. You can use Way.com to compare quotes about Santa Fe.
- Increase Your Deductible: One way to lower your Hyundai Santa Fe insurance cost is to increase your deductible. This means you will have to pay more out of pocket if you get into an accident, but your monthly insurance premiums will be lower.
- Choose the Right Coverage: Ensure you have the right coverage for your Santa Fe car insurance needs. For example, if you have an older Hyundai Santa Fe, you may not need comprehensive coverage, which can be expensive.
- Drive Safely: This may seem like a no-brainer, but the better your driving record, the lower your Santa Fe auto insurance premiums. So, avoid speeding tickets, accidents, and other violations that can increase your insurance costs.
- Ask for Discounts: Be bold and ask your insurance provider about discounts. For example, you may get a discount on your Hyundai Santa Fe insurance if you have a good driving record, are a student, or have multiple cars insured with the same company.
You might remember the scene from "The Santa Clause" where Scott Calvin (played by Tim Allen) crashes his sleigh into a tree. If only he had Santa Fe car insurance! But seriously, accidents can happen to anyone, so ensure you're covered.
How to Get Hyundai Santa Fe Insurance with Way.com
Are you looking for Santa Fe car insurance for your Hyundai Santa Fe? Well, look no further than Way.com!
Here's how to get started:
Step 1: Visit Way.com and enter your information to get Santa Fe auto insurance quotes.
Step 2: Compare the Hyundai Santa Fe insurance cost to find the best coverage for your budget.
Step 3: Purchase your Santa Fe car insurance and hit the road with peace of mind.
But wait, there's more! Did you know that the Hyundai Santa Fe has been featured in movies like "The Santa Fe Trail" and "The Santa Fe Kid"? And with Way.com's affordable insurance options, you'll feel like a movie star while driving your Santa Fe!
So what are you waiting for? Get your Hyundai Santa Fe insurance with Way.com and start living your best life on the road!
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
Frequently Asked Questions
How much is insurance on a Hyundai Santa Fe?
The average cost of car insurance for a Hyundai Santa Fe is $1833 a year.
How much does a Hyundai Santa Fe cost?
The base SE trim of the 2022 Santa Fe costs $28,200, making it one of the least expensive midsize SUVs you can buy. The XRT trim is the middle level, starting at $33,700. The Calligraphy trim is the top level, starting at $42,050.
Why is Santa Fe so expensive?
The cost of Hyundai Santa Fe insurance rates can vary based on several factors. By understanding these factors, you can make informed decisions about your insurance coverage and take steps to lower your insurance premiums. Be sure to shop around and compare insurance rates from different providers to find the best coverage at the most affordable price.
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