Hyundai Santa Fe Car Insurance Cost 2025
The average cost for insurance on a Hyundai Santa Fe is $1,943 per year. However, this amount can differ based on factors like your age, the model year of the car, and other personal details. You can use our quote tables below to estimate your specific insurance costs.
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If you’re thinking about buying a Hyundai Santa Fe, it’s essential to factor in the cost of insurance. On average, insurance for a Hyundai Santa Fe costs $1,943 per year. Insurance plays a crucial role in car ownership, and it’s vital to understand its implications before making a purchase.
Selecting the right car insurance policy is crucial to avoid unexpected and potentially high expenses in the future. It’s important not to end up with insufficient coverage when an accident happens, leading to significant out-of-pocket costs. Additionally, there’s the possibility of facing higher premiums if you’re found at fault.
With over a decade of experience analyzing car insurance rates, I’ve noticed how much these costs can vary. Factors such as age, driving record, and even location can significantly impact insurance premiums.
How Much Does A Hyundai Santa Fe Car Insurance Cost?
Typically, Hyundai Santa Fe drivers can expect to pay an average of $1,943 per year for car insurance.
The cost of car insurance for a Hyundai Santa Fe can vary significantly based on factors such as location, driving history, the model year of your car, and the type of coverage you choose. Drivers with a clean driving record often enjoy lower premiums, while those with accidents or violations may face higher costs. Additionally, where you live plays a role—urban areas with dense traffic tend to have higher insurance rates than rural areas. Comprehensive coverage typically costs more than liability-only coverage. Overall, insurance for a Hyundai Santa Fe is generally cheaper than the average cost for all Hyundai models, but still higher than the average for all vehicles.
To find the best deal for your specific situation, Insuranceopedia can help you compare quotes from various providers.
| Vehicle | Average Monthly Premium |
| Hyundai Santa Fe | $140 |
| All Hyundai | $173 |
| All Cars | $175 |
Average Insurance Cost Of Hyundai Santa Fe By Model Year
| Model Year | Average Premium |
| 2024 Hyundai Santa Fe | $3,410 |
| 2023 Hyundai Santa Fe | $691 |
| 2022 Hyundai Santa Fe | $828 |
| 2021 Hyundai Santa Fe | $677 |
| 2020 Hyundai Santa Fe | $709 |
| 2019 Hyundai Santa Fe | $560 |
| 2018 Hyundai Santa Fe | $764 |
| 2017 Hyundai Santa Fe | $608 |
| 2016 Hyundai Santa Fe | $613 |
| 2015 Hyundai Santa Fe | $743 |
| 2014 Hyundai Santa Fe | $667 |
| 2013 Hyundai Santa Fe | $699 |
| 2012 Hyundai Santa Fe | $568 |
| 2011 Hyundai Santa Fe | $507 |
| 2010 Hyundai Santa Fe | $474 |
2024 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2024 Hyundai Santa Fe is $3,410. However, New York Central Mutual Fire offers the cheapest rates, averaging $1,943 per year.
| Insurance Provider | Average Annual Cost |
| Esurance | $4,913 |
| Central Mutual Insurance Co | $5,744 |
| USAA | $2,399 |
| Nationwide | $4,025 |
| New York Central Mutual Fire | $1,943 |
| Hanover | $2,366 |
| Travelers | $3,550 |
| State Farm | $3,086 |
| Erie | $2,357 |
| Allstate | $3,721 |
2023 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2023 Hyundai Santa Fe is $691. However, Titan offers the cheapest rates, averaging $216 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $933 |
| Mercury Insurance | $94 |
| American National P | $954 |
| Texas Farm Bureau Group | $767 |
| SafeAuto | $849 |
| Titan | $216 |
| Plymouth Rock | $874 |
| NatGen PPA | $952 |
| Nationwide | $383 |
| PEMCO | $885 |
2022 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2022 Hyundai Santa Fe is $828. However, Safeco offers the cheapest rates, averaging $302 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $941 |
| American National P | $885 |
| Texas Farm Bureau Group | $1,085 |
| Victoria | $366 |
| AssuranceAmerica Mobile Max | $689 |
| PEMCO | $914 |
| Safeco | $302 |
| Virginia Farm Bureau | $1,062 |
| Pekin Insurance | $1,071 |
| NatGen PPA | $962 |
2021 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2021 Hyundai Santa Fe is $677. However, Kemper Auto offers the cheapest rates, averaging $326 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $908 |
| Kemper Auto | $326 |
| NatGen Value | $459 |
| Kemper Auto | Infinity | $591 |
| Safeco | $409 |
| Kentucky Farm Bureau | $946 |
| American National P | $631 |
| AssuranceAmerica Mobile Max | $858 |
| MMG Insurance Company | $727 |
| Texas Farm Bureau Group | $918 |
2020 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2020 Hyundai Santa Fe is $709. However, Kemper Auto offers the cheapest rates, averaging $110 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,013 |
| Mercury Insurance | $789 |
| NatGen Custom 360 | $344 |
| Kemper Auto | $110 |
| Buckeye Insurance Group | $787 |
| American National P | $521 |
| Titan | $1,006 |
| Utica National Ins Group | $993 |
| Safeco | $552 |
| PEMCO | $970 |
2019 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2019 Hyundai Santa Fe is $560. However, AssuranceAmerica offers the cheapest rates, averaging $211 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | $679 |
| SafeAuto | $785 |
| Kemper Auto | Infinity | $763 |
| NatGen PPA | $291 |
| American National P | $515 |
| Safeco | $283 |
| AssuranceAmerica | $211 |
| AssuranceAmerica Economy | $831 |
| NatGen Custom 360 | $343 |
| Mercury Insurance | $896 |
2018 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2018 Hyundai Santa Fe is $764. However, Mercury Insurance offers the cheapest rates, averaging $271 per year.
| Insurance Provider | Average Annual Cost |
| Unigard | $942 |
| Titan | $1,008 |
| AssuranceAmerica Economy | $882 |
| Safeco | $108 |
| AssuranceAmerica | $826 |
| Utica National Ins Group | $951 |
| Cameron Mutual Group | $890 |
| PEMCO | $813 |
| Partners Mutual Insurance Co | $946 |
| Mercury Insurance | $271 |
2017 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2017 Hyundai Santa Fe is $608. However, Safeco offers the cheapest rates, averaging $87 per year.
| Insurance Provider | Average Annual Cost |
| Rural Mutual Insurance | $757 |
| Pekin Insurance | $709 |
| AssuranceAmerica Economy | $774 |
| Mercury Insurance | $502 |
| United Farm Bureau of IN Group | $852 |
| Safeco | $87 |
| AssuranceAmerica | $772 |
| Buckeye Insurance Group | $760 |
| American National P | $611 |
| Kemper Personal Insurance | $258 |
2016 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2016 Hyundai Santa Fe is $613. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $333 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $781 |
| AssuranceAmerica Mobile Max | $333 |
| Kentucky Farm Bureau | $782 |
| Pekin Insurance | $739 |
| NatGen Custom 360 | $835 |
| Buckeye Insurance Group | $503 |
| Safeco | $114 |
| AssuranceAmerica | $461 |
| Mercury Insurance | $679 |
| SECURA Insurance | $904 |
Find Affordable Hyundai Santa Fe Insurance Rates
2015 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2015 Hyundai Santa Fe is $743. However, Safeco offers the cheapest rates, averaging $344 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $935 |
| PEMCO | $797 |
| Safeco | $344 |
| SafeAuto | $778 |
| SECURA Insurance | $968 |
| North Carolina Farm Bureau | $714 |
| Pekin Insurance | $895 |
| Dairyland | $524 |
| American National P | $628 |
| Atlantic States Insurance | $849 |
2014 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2014 Hyundai Santa Fe is $677. However, Safeco offers the cheapest rates, averaging $182 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $719 |
| NatGen Value | $566 |
| NatGen Custom 360 | $440 |
| Buckeye Insurance Group | $548 |
| Capital Insurance Group | $1,036 |
| SECURA Insurance | $990 |
| Dairyland Broadform | $961 |
| Safeco | $182 |
| Mercury Insurance | $298 |
| Western National | $933 |
2013 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2013 Hyundai Santa Fe is $699. However, Safeco offers the cheapest rates, averaging $196 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $866 |
| SECURA Insurance | $1,091 |
| North Carolina Farm Bureau | $827 |
| National General Value | $771 |
| American National P | $516 |
| MEEMIC Insurance Company | $1,112 |
| Safeco | $196 |
| Wolverine Mutual | $561 |
| Mercury Insurance | $123 |
| NatGen Value | $931 |
2012 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2012 Hyundai Santa Fe is $568. However, Safeco offers the cheapest rates, averaging $88 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $798 |
| Infinity Special | $543 |
| Safeco | $88 |
| PEMCO | $660 |
| American National P | $288 |
| American National P&C | $613 |
| North Carolina Farm Bureau | $794 |
| Dairyland Scored | $745 |
| Norfolk and Dedham Group | $744 |
| Mercury Insurance | $408 |
2011 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2011 Hyundai Santa Fe is $568. However, Safeco offers the cheapest rates, averaging $88 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $267 |
| Buckeye Insurance Group | $592 |
| Mercury Insurance | $445 |
| PEMCO | $662 |
| North Star | $687 |
| North Carolina Farm Bureau | $411 |
| Safeco | $211 |
| American National P | $460 |
| Pekin Insurance | $658 |
| Farmers Mutual of Nebraska | $677 |
2010 Hyundai Santa Fe Insurance Rates
The average annual insurance cost for a 2010 Hyundai Santa Fe is $568. However, Safeco offers the cheapest rates, averaging $88 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $601 |
| American National P | $468 |
| InsureMax | $205 |
| Texas Farm Bureau Group | $595 |
| SECURA Insurance | $731 |
| Kemper Personal Insurance | $343 |
| PEMCO | $578 |
| Countryway Insurance | $672 |
| Kemper Auto | Infinity | $513 |
| Safeco | $29 |
Find Affordable Hyundai Santa Fe Insurance Rates
Is A Hyundai Santa Fe Expensive To Insure?
Insuring a Hyundai Santa Fe is generally more affordable compared to the average cost of insuring all car models. However, the exact amount you’ll pay depends on various factors, including your age, the age of your vehicle, your location, and other individual circumstances. These variables influence how insurance companies assess risk and calculate premiums.
Cost of Hyundai Santa Fe Car Insurance By Age
Age is a major factor in determining car insurance rates. Teenagers tend to pay the highest premiums due to their higher likelihood of being involved in accidents compared to other age groups. As drivers age and gain more experience on the road, their insurance premiums typically decrease because they are viewed as lower-risk by insurance companies.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,896 | $11,605 | $13,528 |
| 18 | $7,390 | $10,823 | $12,622 |
| 19 | $6,468 | $9,592 | $11,143 |
| 20 | $5,723 | $8,323 | $9,745 |
| 21 | $4,761 | $6,996 | $8,177 |
| 22 | $4,591 | $6,849 | $7,930 |
| 23 | $4,071 | $5,963 | $7,015 |
| 24 | $3,884 | $5,668 | $6,626 |
| 25 | $3,310 | $4,891 | $5,680 |
| 30 | $2,555 | $3,813 | $4,416 |
| 35 | $2,432 | $3,550 | $4,164 |
| 40 | $2,326 | $3,418 | $4,010 |
| 45 | $2,257 | $3,299 | $3,948 |
| 55 | $2,051 | $3,020 | $3,621 |
| 65 | $2,199 | $3,213 | $3,773 |
| 75 | $2,760 | $4,072 | $4,691 |
Hyundai Santa Fe Car Insurance Rates By State
Your location significantly impacts how insurance companies determine rates for your Hyundai Santa Fe. Each state has its own regulations for auto insurance, which can influence costs. For instance, Michigan drivers often face higher premiums due to the state’s requirement for higher levels of coverage. Additionally, local climate conditions, such as frequent hurricanes, storms, or flooding, can raise rates in certain areas.
Crime and accident statistics also play a role—regions with higher rates of car thefts, crashes, or vehicle fatalities are considered riskier by insurers. All these factors are taken into account when calculating the specific insurance rate for your Hyundai Santa Fe.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,499 | $3,619 | $4,549 |
| Alaska | $2,088 | $2,786 | $2,760 |
| Arizona | $2,344 | $3,370 | $4,926 |
| Arkansas | $2,515 | $4,004 | $4,402 |
| California | $2,835 | $5,018 | $2,782 |
| Colorado | $2,654 | $3,675 | $4,639 |
| Connecticut | $3,382 | $5,167 | $6,581 |
| Delaware | $2,802 | $3,703 | $4,815 |
| Florida | $3,272 | $4,621 | $6,023 |
| Georgia | $2,690 | $4,088 | $4,038 |
| Hawaii | $1,111 | $1,419 | $1,102 |
| Idaho | $1,855 | $2,466 | $2,991 |
| Illinois | $1,958 | $2,993 | $3,381 |
| Indiana | $1,984 | $3,048 | $3,446 |
| Iowa | $1,565 | $2,157 | $2,534 |
| Kansas | $2,164 | $3,133 | $3,649 |
| Kentucky | $3,045 | $4,521 | $5,334 |
| Louisiana | $3,926 | $5,934 | $6,441 |
| Maine | $1,458 | $2,015 | $2,997 |
| Maryland | $2,386 | $3,494 | $3,883 |
| Massachusetts | $1,932 | $3,411 | $1,887 |
| Michigan | $4,691 | $7,085 | $11,269 |
| Minnesota | $1,964 | $2,588 | $3,568 |
| Mississippi | $2,331 | $3,293 | $3,289 |
| Missouri | $2,167 | $3,118 | $4,159 |
| Montana | $2,222 | $3,131 | $3,615 |
| Nebraska | $1,842 | $2,740 | $3,013 |
| Nevada | $3,087 | $4,574 | $4,818 |
| New Hampshire | $2,181 | $3,392 | $4,304 |
| New Jersey | $2,389 | $3,713 | $4,920 |
| New Mexico | $2,448 | $3,572 | $3,700 |
| New York | $2,248 | $2,817 | $4,734 |
| North Carolina | $1,398 | $2,369 | $1,716 |
| North Dakota | $1,945 | $2,933 | $3,379 |
| Ohio | $1,703 | $2,609 | $2,713 |
| Oklahoma | $2,748 | $3,892 | $4,406 |
| Oregon | $2,466 | $3,350 | $3,998 |
| Pennsylvania | $2,037 | $3,100 | $3,528 |
| Rhode Island | $3,490 | $5,113 | $5,691 |
| South Carolina | $2,351 | $3,301 | $4,522 |
| South Dakota | $2,070 | $3,036 | $3,525 |
| Tennessee | $2,523 | $3,643 | $4,871 |
| Texas | $2,488 | $3,637 | $4,494 |
| Utah | $2,089 | $2,982 | $4,088 |
| Vermont | $1,674 | $2,524 | $2,709 |
| Virginia | $1,540 | $2,326 | $2,370 |
| Washington | $2,021 | $2,816 | $3,298 |
| West Virginia | $2,062 | $2,993 | $3,741 |
| Wisconsin | $2,095 | $3,173 | $3,702 |
| Wyoming | $1,925 | $2,730 | $2,828 |
Find Affordable Hyundai Santa Fe Insurance Rates
Cheapest Car Insurance Companies For A Hyundai Santa Fe
If you’re in the market for a new car insurance policy for your Hyundai Santa Fe, it’s essential to explore which companies offer the most affordable rates. For drivers seeking the lowest premiums, NYCM stands out as the cheapest provider, offering an average rate of $24 per month. However, it’s important to note that these rates can vary depending on individual factors such as your driving history, location, and coverage needs. To ensure you find the best deal tailored to your profile, it’s recommended to shop around and compare quotes from multiple insurance providers.
| Company | Average Monthly Rate |
| NYCM | $24 |
| Hugo | $37 |
| NationalGeneral | $35 |
| AnswerFinancial | $39 |
| Aspire | $34 |
Common Hyundai Santa Fe Insurance Discounts
Discounts are an excellent way to reduce your car insurance costs. Many auto insurance providers offer a variety of discounts, and you may be eligible for some of the most common ones, such as:
- Multi-policy discount: If you bundle your auto insurance with other policies, like home or renters insurance, through the same provider, you can often secure a reduced rate.
- Pay annually: Opting to pay your entire premium upfront instead of monthly installments can save you money.
- Defensive driving course discount: Completing a defensive driving course from a certified institution can make you eligible for lower premiums.
In addition to these, insurance companies may offer other discounts based on factors like safe driving records, vehicle safety features, or membership in certain organizations. It’s always a good idea to discuss your options with your insurance agent, as they can help identify discounts specific to your situation and maximize your savings.
Ways To Save On Hyundai Santa Fe Insurance Costs
Maintaining a clean driving record is essential for keeping your Hyundai Santa Fe insurance costs manageable. Incidents like speeding tickets or accidents can significantly increase your premiums. For example, Hyundai Santa Fe drivers with a ticket on their record typically pay around $91 per month, while those with multiple accidents may face an average of $130 per month. By practicing safe driving habits and avoiding violations, you can keep your premiums lower.
Additionally, your annual mileage also impacts your insurance rates. Drivers with lower annual mileage tend to pay less, as spending less time on the road reduces the likelihood of accidents. For instance, Hyundai Santa Fe drivers who travel between 2,501-5,000 miles annually can expect to pay about $70 per month for insurance. Meanwhile, those who drive more than 10,000 miles per year will likely pay around $80 per month.
Compare Hyundai Santa To Other Hyundai Models
Looking for other Hyundai model insurance costs?
- Hyundai Elantra Car Insurance
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- Hyundai Sonata Car Insurance
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- Hyundai Santa Fe XL Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it’s important to note that the figures presented in this guide may vary based on individual factors such as age, location, driving history, and coverage preferences.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Hyundai Santa Fe?
You will need to provide proof of insurance before driving your Hyundai Santa Fe off the dealership lot. The most effective approach is to purchase a policy in advance and inform your insurance company about your upcoming car purchase. This ensures you are fully covered and avoids relying on dealership-provided insurance, which may not always offer the best rates or coverage options.
How Can You Get The Cheapest Insurance For Your Hyundai Santa Fe?
To find the most affordable rates for your Hyundai Santa Fe, it’s best to shop around and compare quotes from various auto insurance companies. Fortunately, Insuranceopedia simplifies this process by allowing you to compare quotes from multiple providers directly on their website, helping you secure the best deal for your insurance needs.
