2023 Hyundai Santa Fe Car Insurance Calculator

Learn in real-time how different driver, vehicle, and coverage options affect car insurance rates for a 2023 Hyundai Santa Fe. Customize choices like trim level, driving violations, and policy coverages and see their impact on rates. Instantly discover if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2023 Hyundai Santa Fe is $2,336 per year, or about $195 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,336

Cost Per Month

$195

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Hyundai Santa Fe Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2023 Hyundai Santa Fe.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,336
Average Rate
Your Rate
$2,336

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2023 Hyundai Santa Fe trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2023 Hyundai Santa Fe is $2,336.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2023 Hyundai Santa Fe vs. the Midsize SUV Segment

The table below compares insurance rates for the 2023 Hyundai Santa Fe against all other models in the midsize SUV segment. The Hyundai Santa Fe is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Hyundai Santa Fe, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Hyundai Santa Fe.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Hyundai Santa Fe Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Passport$1,774-$562
2Subaru Ascent$1,854-$482
3Ford Edge$1,932-$404
4Volkswagen Atlas$1,946-$390
5Ford Explorer$1,950-$386
6Nissan Murano$1,958-$378
7Subaru Outback$1,964-$372
8Volkswagen Atlas Cross Sport$2,036-$300
9Toyota Venza$2,076-$260
10Kia Sorento$2,092-$244
11Hyundai Palisade$2,118-$218
12Toyota 4Runner$2,134-$202
13GMC Acadia$2,168-$168
14Chevrolet Traverse$2,174-$162
15Honda Pilot$2,192-$144
16Buick Enclave$2,196-$140
17Nissan Pathfinder$2,210-$126
18Mazda CX-9$2,220-$116
2023 Midsize SUV Average$2,227-$109
19Mitsubishi Outlander Sport$2,252-$84
20Kia Telluride$2,266-$70
21Toyota Highlander$2,284-$52
22Chevrolet Blazer$2,306-$30
23Hyundai Santa Fe$2,336--
24Jeep Grand Cherokee$2,420$84
25Jeep Cherokee$2,464$128
26Jeep Wrangler$2,514$178
27Ford Bronco$2,536$200
28Tesla Model Y$2,548$212
29Mitsubishi Outlander PHEV$2,606$270
30Dodge Durango$2,708$372
31Rivian R1S$2,790$454

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2023 Santa Fe Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Hyundai Santa Fe.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2023 Hyundai Santa Fe Insurance Rates by Trim Level
2023 Hyundai Santa Fe Trim Level Annual Premium Cost Per Month
SE$2,118$177
SEL$2,226$186
XRT$2,266$189
Hybrid Blue$2,310$193
Hybrid SEL Premium$2,378$198
Limited$2,384$199
Plug-in Hybrid SEL Convenience$2,384$199
Hybrid Limited$2,404$200
Calligraphy$2,418$202
Plug-in Hybrid Limited$2,472$206

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2023 Hyundai Santa Fe for different driver ages.

2023 Hyundai Santa Fe Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,396$700
17$8,130$678
18$7,273$606
19$6,624$552
20$5,063$422
21$4,830$403
22$4,321$360
23$3,544$295
24$3,350$279
25$2,714$226
30$2,488$207
35$2,400$200
40$2,336$195
45$2,184$182
50$2,068$172
55$1,932$161
60$1,938$162
65$2,066$172
70$2,238$187
75$2,638$220
80$3,258$272

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Hyundai Santa Fe trim levels.