Is Insurance Cheaper for a Honda Pilot or Hyundai Santa Fe?

Learn whether the Pilot or Santa Fe has cheaper insurance rates, plus see exactly which trims are cheapest to insure!

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  • For the latest model year, a Honda Pilot has cheaper overall car insurance rates than a Hyundai Santa Fe by $102 per year.
  • Out of 34 models in the 2024 midsize SUV class, the Honda Pilot ranks 18th and the Hyundai Santa Fe ranks 21st for average car insurance affordability.
  • For the 2024 model year Honda Pilot, insurance rates range from $2,132 to $2,422 per year, while auto insurance for a 2024 Hyundai Santa Fe costs from $2,142 to $2,530.
  • If the cheapest car insurance rates are the most important factor, the LX and LX AWD trim levels are the most affordable Honda Pilot models to insure, while the SE and SEL trims have the best rates for the Hyundai Santa Fe.

Is Honda Pilot or Hyundai Santa Fe insurance cheaper?

Average car insurance rates for a 2024 Honda Pilot are $2,280 per year, while insurance for a Hyundai Santa Fe costs an average of $2,382 per year, making the Honda Pilot the model with the cheapest overall car insurance rates.

For the 10 trim levels available for the 2024 Honda Pilot, the cheapest trim level to insure is the LX trim at an average cost of $2,132 per year, or around $178 per month.

Out of the 10 trims available for the Hyundai Santa Fe, the cheapest 2024 trim to insure is the SE trim at a cost of $2,142 per year, or about $179 per month.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim level is the Honda Pilot LX at an average cost of $2,132 per year, and the most expensive trim is the Hyundai Santa Fe Plug-in Hybrid Limited at a cost of $2,530 per year.

The next table ranks the cost of car insurance for 2024 Honda Pilot and Hyundai Santa Fe models, showing cost for each trim level of both models.

2024 Model Year Honda Pilot vs. Hyundai Santa Fe Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,132$178
$2,142$179
$2,186$182
$2,192$183
$2,240$187
$2,254$188
$2,258$188
$2,294$191
$2,306$192
$2,340$195
$2,354$196
$2,366$197
$2,374$198
$2,422$202
$2,428$202
$2,436$203
$2,436$203
$2,462$205
$2,470$206
$2,530$211

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Honda Pilot and a 2024 Hyundai Santa Fe
Annual and monthly insurance cost by trim level for a 2024 Honda Pilot and a 2024 Hyundai Santa Fe

The chart below displays the average cost to insure the two models for drivers aged 20 to 50. The average car insurance cost ranges from $2,014 to $4,622 per year for a 2024 Honda Pilot, and $2,104 to $4,824 for a 2024 Hyundai Santa Fe for the included driver ages.

Average car insurance premiums for 2024 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 26, 2025.

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Data Methodology: Rates based on a 2024 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$7,137$7,441
20-Year-Old$4,622$4,824
25-Year-Old$2,650$2,770
30-Year-Old$2,436$2,546
40-Year-Old$2,280$2,382
50-Year-Old$2,014$2,104
60-Year-Old$1,888$1,970

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 26, 2025

The next two tables show the average cost to insure all 2024 trim levels, along with an average cost for each model. The 2024 Honda Pilot reigns victorious over the 2024 Hyundai Santa Fe for cheapest car insurance cost.

2024 Honda Pilot

$2,280

Insurance Rates by Trim Level for a 2024 Honda Pilot
2024 Honda Pilot TrimsRate
LX$2,132
LX AWD2,186
Sport2,192
Sport AWD2,240
EX-L2,254
EX-L AWD2,294
Touring2,340
TrailSport AWD2,366
Touring AWD2,374
Elite AWD2,422
2024 Honda Pilot Average Rate$2,280

2024 Hyundai Santa Fe

$2,382

Insurance Rates by Trim Level for 2024 Honda Pilot
2024 Hyundai Santa Fe TrimsRate
SE$2,142
SEL2,258
XRT2,306
Hybrid Blue2,354
Hybrid SEL Premium2,428
Limited2,436
Plug-in Hybrid SEL Convenience2,436
Hybrid Limited2,462
Calligraphy2,470
Plug-in Hybrid Limited2,530
2024 Hyundai Santa Fe Average Rate$2,382

2023 Honda Pilot vs. Hyundai Santa Fe

For 2023 models, the model with the cheapest average insurance rates is the Honda Pilot. Insurance rates for the Honda Pilot average $2,192 per year, while insurance for the Hyundai Santa Fe averages $2,336 per year.

For the eight trim levels available for the 2023 Honda Pilot, the cheapest model to insure is the Sport model at an average cost of $2,072 per year. For the 10 trims available for the Hyundai Santa Fe, the cheapest 2023 model to insure is the SE trim at a cost of $2,118.

When trim-level rates for both models are compared, the overall cheapest vehicle to insure is the Honda Pilot Sport at an average rate of $2,072 per year. The most expensive model and trim level is the Hyundai Santa Fe Plug-in Hybrid Limited costing $2,472 per year.

The next table ranks the annual and monthly cost of car insurance for 2023 Honda Pilot and Hyundai Santa Fe models, showing average cost by trim level for each model.

2023 Model Year Honda Pilot vs. Hyundai Santa Fe Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,072$173
$2,118$177
$2,118$177
$2,136$178
$2,176$181
$2,224$185
$2,226$186
$2,254$188
$2,256$188
$2,266$189
$2,306$192
$2,310$193
$2,378$198
$2,384$199
$2,384$199
$2,404$200
$2,418$202
$2,472$206

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2023 Honda Pilot and a 2023 Hyundai Santa Fe
Annual and monthly insurance cost by trim level for a 2023 Honda Pilot and a 2023 Hyundai Santa Fe

The rate chart below demonstrates the average cost to insure both 2023 models for the 20, 30, 40, and 50-year-old driver age groups. For a 2023 Honda Pilot, average insurance cost ranges from $1,940 to $4,450 per year for the age groups used in the chart. A 2023 Hyundai Santa Fe costs from $2,068 to $4,722 to insure per year.

Average car insurance premiums for 2023 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2023 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$6,875$7,273
20-Year-Old$4,450$4,722
25-Year-Old$2,550$2,714
30-Year-Old$2,340$2,488
40-Year-Old$2,192$2,336
50-Year-Old$1,940$2,068
60-Year-Old$1,818$1,938

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 26, 2025

The two tables below illustrate average car insurance rates for every trim level for both 2023 models, including an overall average cost for each model. The 2023 Honda Pilot has more affordable average car insurance than the 2023 Hyundai Santa Fe.

2023 Honda Pilot

$2,192

Insurance Rates by Trim Level for a 2023 Honda Pilot
2023 Honda Pilot TrimsRate
Sport$2,072
Sport AWD2,118
EX-L2,136
EX-L AWD2,176
Touring2,224
TrailSport AWD2,254
Touring AWD2,256
Elite AWD2,306
2023 Honda Pilot Average Rate$2,192

2023 Hyundai Santa Fe

$2,336

Insurance Rates by Trim Level for 2023 Honda Pilot
2023 Hyundai Santa Fe TrimsRate
SE$2,118
SEL2,226
XRT2,266
Hybrid Blue2,310
Hybrid SEL Premium2,378
Limited2,384
Plug-in Hybrid SEL Convenience2,384
Hybrid Limited2,404
Calligraphy2,418
Plug-in Hybrid Limited2,472
2023 Hyundai Santa Fe Average Rate$2,336

2022 Honda Pilot vs. Hyundai Santa Fe

When comparing 2022 Honda Pilot and Hyundai Santa Fe models, the cheaper model to insure on average is the Honda Pilot. Insurance on a Honda Pilot costs an average of $2,168 per year, while insurance for a Hyundai Santa Fe averages $2,230 per year.

Within each model, however, car insurance cost varies considerably for each different trim level. Using the Honda Pilot to illustrate this point, rates range from $2,024 per year for the Sport model up to $2,288 for the Black Edition model. For the 2022 Hyundai Santa Fe, rates range from $2,070 per year on the SE model up to $2,372 on the most expensive to insure Plug-in Hybrid Limited model.

The next table compares and ranks the cost of car insurance for 2022 Honda Pilot and Hyundai Santa Fe models, broken down by trim level. Later in this comparison, we cover prior model years.

2022 Model Year Honda Pilot vs. Hyundai Santa Fe Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,024$169
$2,070$173
$2,122$177
$2,136$178
$2,150$179
$2,156$180
$2,168$181
$2,178$182
$2,188$182
$2,222$185
$2,222$185
$2,242$187
$2,256$188
$2,288$191
$2,334$195
$2,352$196
$2,372$198

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2022 Honda Pilot and a 2022 Hyundai Santa Fe
Annual and monthly insurance cost by trim level for a 2022 Honda Pilot and a 2022 Hyundai Santa Fe

The chart shown below demonstrates the average insurance cost for both models rated for drivers aged 20 to 50. The average cost of full-coverage insurance ranges from $1,916 to $4,406 per year for the 2022 Honda Pilot, and $1,978 to $4,508 on a 2022 Hyundai Santa Fe for the example age groups.

Average car insurance premiums for 2022 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$6,802$6,936
20-Year-Old$4,406$4,508
25-Year-Old$2,524$2,590
30-Year-Old$2,316$2,374
40-Year-Old$2,168$2,230
50-Year-Old$1,916$1,978
60-Year-Old$1,796$1,850

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

The 2022 Honda Pilot has seven trims available, with the lowest-cost model to insure being the Sport model at an average cost of $2,024 per year. For the 10 trim options available for a Hyundai Santa Fe, the most affordable 2022 trim to insure is the SE model at a cost of $2,070.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to buy insurance for is the Honda Pilot Sport at an average rate of $2,024 per year. The most expensive model and trim level is the Hyundai Santa Fe Plug-in Hybrid Limited at an average of $2,372 per year.

The next tables illustrate both 2022 models and all trim levels available for each one, including an overall average cost for each model. The 2022 Honda Pilot takes the trophy over the 2022 Hyundai Santa Fe for cheapest auto insurance rates.

2022 Honda Pilot

$2,168

Insurance Rates by Trim Level for a 2022 Honda Pilot
2022 Honda Pilot TrimsRate
Sport$2,024
Special Edition2,122
EX-L2,156
TrailSport2,178
Touring2,188
Elite2,222
Black Edition2,288
2022 Honda Pilot Average Rate$2,168

2022 Hyundai Santa Fe

$2,230

Insurance Rates by Trim Level for 2022 Honda Pilot
2022 Hyundai Santa Fe TrimsRate
SE$2,070
SEL2,136
Hybrid Blue2,150
XRT2,168
Hybrid SEL Premium2,222
Plug-in Hybrid SEL Convenience2,242
Hybrid Limited2,256
Limited2,334
Calligraphy2,352
Plug-in Hybrid Limited2,372
2022 Hyundai Santa Fe Average Rate$2,230

2021 Honda Pilot vs. Hyundai Santa Fe

When comparing average insurance cost for 2021 models, the Honda Pilot costs $1,928 per year to insure and the Hyundai Santa Fe costs $2,210, making the Honda Pilot the model with cheaper insurance by $282 for this comparison year.

The following chart demonstrates the average insurance cost for both 2021 models rated for drivers aged 20 to 50. For a 2021 Honda Pilot, average insurance cost ranges from $1,702 to $3,890 per year for the age groups included in the chart. Auto insurance on a 2021 Hyundai Santa Fe costs from $1,966 to $4,474 on average per year.

Average car insurance premiums for 2021 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$6,006$6,883
20-Year-Old$3,890$4,474
25-Year-Old$2,240$2,562
30-Year-Old$2,058$2,346
40-Year-Old$1,928$2,210
50-Year-Old$1,702$1,966
60-Year-Old$1,596$1,842

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

The 2021 Honda Pilot has 14 trims available, with the most affordable model to insure being the LX 2WD trim at an average cost of $1,756 per year, or $146 per month. Out of the 14 trim options available for the Hyundai Santa Fe, the cheapest 2021 trim to insure is the SE 2WD trim at a cost of $2,064.

When average insurance prices for all 28 trims of both models are combined and sorted by cost, the most affordable model and trim level to put coverage on is the Honda Pilot LX 2WD at a cost of $1,756 per year, and the most expensive model and trim level is the Hyundai Santa Fe SEL 2.0 Plus Premium AWD at a cost of $2,320 per year.

The tables below break down all the available trims for both 2021 models, as well as an average rate for each model.

2021 Honda Pilot

$1,928

Insurance Rates by Trim Level for a 2021 Honda Pilot
2021 Honda Pilot TrimsRate
LX 2WD$1,756
EX 2WD1,842
LX 4WD1,842
EX 4WD1,906
EX-L 2WD1,906
EX-L 4WD1,906
EX-L Navi/Rear Entertainment 2WD1,906
EX-L Navi/Rear Entertainment 4WD1,970
Touring Navi 2WD1,970
Touring Navi 4WD1,970
Touring-7 2WD1,970
Touring-7 4WD1,970
Black 4WD2,034
Elite Navi 4WD2,034
2021 Honda Pilot Average Rate$1,928

2021 Hyundai Santa Fe

$2,210

Insurance Rates by Trim Level for 2021 Honda Pilot
2021 Hyundai Santa Fe TrimsRate
SE 2WD$2,064
SE AWD2,064
SEL 2WD2,064
SEL AWD2,126
SEL Plus 2WD2,192
SEL Plus AWD2,192
SEL Plus Premium 2WD2,192
Limited 2WD2,256
SEL 2.0 Plus Premium 2WD2,256
SEL Plus Premium AWD2,256
Limited 2.0T 2WD2,320
Limited 2.0T AWD2,320
Limited AWD2,320
SEL 2.0 Plus Premium AWD2,320
2021 Hyundai Santa Fe Average Rate$2,210

2020 Honda Pilot vs. Hyundai Santa Fe

For the 2020 Honda Pilot and Hyundai Santa Fe models, the Honda Pilot has cheaper car insurance rates by $280 per year.

The following chart displays the average insurance cost for the two models for drivers aged 20 to 50. For a 2020 Honda Pilot, the average cost of car insurance ranges from $1,648 to $3,764 per year for the age groups used in the chart. Car insurance for the 2020 Hyundai Santa Fe costs from $1,912 to $4,348 on average per year.

Average car insurance premiums for 2020 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$5,812$6,691
20-Year-Old$3,764$4,348
25-Year-Old$2,170$2,490
30-Year-Old$1,994$2,282
40-Year-Old$1,868$2,148
50-Year-Old$1,648$1,912
60-Year-Old$1,546$1,792

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

A 2020 Honda Pilot has 14 trims available, with the most affordable trim to insure being the LX 2WD trim at an average cost of $1,704 per year, or around $142 per month.

For the 14 different trim levels available for a Hyundai Santa Fe, the most affordable 2020 model to insure is the SE 2WD model at a cost of $2,006.

When comparing rates by trim level for both models, the overall cheapest vehicle to buy insurance for is the Honda Pilot LX 2WD at an average of $1,704 per year, and the most expensive trim is the Hyundai Santa Fe SEL 2.0 Plus Premium AWD at an average cost of $2,254 per year.

The two tables below illustrate the average cost to insure all 2020 trim levels, plus an average rate for each model. The winner for the 2020 car insurance battle is the Honda Pilot.

2020 Honda Pilot

$1,868

Insurance Rates by Trim Level for a 2020 Honda Pilot
2020 Honda Pilot TrimsRate
LX 2WD$1,704
EX 2WD1,784
LX 4WD1,784
EX 4WD1,846
EX-L 2WD1,846
EX-L 4WD1,846
EX-L Navi/Rear Entertainment 2WD1,846
EX-L Navi/Rear Entertainment 4WD1,908
Touring Navi 2WD1,908
Touring Navi 4WD1,908
Touring-7 2WD1,908
Touring-7 4WD1,908
Black 4WD1,970
Elite Navi 4WD1,970
2020 Honda Pilot Average Rate$1,868

2020 Hyundai Santa Fe

$2,148

Insurance Rates by Trim Level for 2020 Honda Pilot
2020 Hyundai Santa Fe TrimsRate
SE 2WD$2,006
SE AWD2,006
SEL 2WD2,006
SEL AWD2,068
SEL Plus 2WD2,128
SEL Plus AWD2,128
SEL Plus Premium 2WD2,128
Limited 2WD2,190
SEL 2.0 Plus Premium 2WD2,190
SEL Plus Premium AWD2,190
Limited 2.0T 2WD2,254
Limited 2.0T AWD2,254
Limited AWD2,254
SEL 2.0 Plus Premium AWD2,254
2020 Hyundai Santa Fe Average Rate$2,148

2019 Honda Pilot vs. Hyundai Santa Fe

For the 2019 Honda Pilot and Hyundai Santa Fe models, the Honda Pilot has cheaper car insurance cost by an average of $190 per year for this comparison year.

The rate chart below shows the average cost to insure both models using drivers aged 20 to 50. For the 2019 Honda Pilot, insurance cost ranges from $1,612 to $3,704 per year for the driver examples in the chart. Car insurance for the 2019 Hyundai Santa Fe costs from $1,796 to $4,088 on average per year.

Average car insurance premiums for 2019 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2019 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$5,725$6,290
20-Year-Old$3,704$4,088
25-Year-Old$2,122$2,342
30-Year-Old$1,950$2,142
40-Year-Old$1,826$2,016
50-Year-Old$1,612$1,796
60-Year-Old$1,512$1,680

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 26, 2025

For the 14 trim levels available for a 2019 Honda Pilot, the most affordable model to insure is the LX 2WD model at an average cost of $1,670 per year.

For the 20 trim options available for a Hyundai Santa Fe, the most affordable 2019 trim package to insure is the XL SE 2WD model at a cost of $1,804.

When all 34 trims of both models are combined and compared, the cheapest model and trim level to insure is the Honda Pilot LX 2WD at an average rate of $1,670 per year. The highest-cost model and trim is the Hyundai Santa Fe Ultimate AWD at a cost of $2,186 per year.

The tables below detail trim level insurance cost averages for both 2019 models, including an overall average cost for each model.

2019 Honda Pilot

$1,826

Insurance Rates by Trim Level for a 2019 Honda Pilot
2019 Honda Pilot TrimsRate
LX 2WD$1,670
EX 2WD1,746
LX 4WD1,746
EX 4WD1,806
EX-L 2WD1,806
EX-L 4WD1,806
EX-L Navi/Rear Entertainment 2WD1,806
EX-L Navi/Rear Entertainment 4WD1,866
Touring Navigation 2WD1,866
Touring Navigation 4WD1,866
Touring-7 2WD1,866
Touring-7 4WD1,866
Black 4WD1,924
Elite Navigation 4WD1,924
2019 Honda Pilot Average Rate$1,826

2019 Hyundai Santa Fe

$2,016

Insurance Rates by Trim Level for 2019 Honda Pilot
2019 Hyundai Santa Fe TrimsRate
XL SE 2WD$1,804
XL SE 4WD1,804
XL SE Premium 2WD1,864
SE 2WD1,890
XL SE Premium 4WD1,920
SE AWD1,950
SEL 2WD1,950
XL Limited Ultimate 2WD1,980
XL Limited Ultimate 4WD1,980
SEL AWD2,010
SEL Plus 2WD2,010
Limited 2WD2,070
SEL Plus AWD2,070
Limited 2.0T 2WD2,126
Limited 2.0T AWD2,126
Limited AWD2,126
Ultimate 2WD2,126
Ultimate 2.0T 2WD2,186
Ultimate 2.0T AWD2,186
Ultimate AWD2,186
2019 Hyundai Santa Fe Average Rate$2,016

2018 Honda Pilot vs. Hyundai Santa Fe

A 2018 Honda Pilot is $318 cheaper to insure per year on average than a 2018 Hyundai Santa Fe, a difference of 16.8%.

The following chart demonstrates the average car insurance cost for both models rated for drivers aged 20 to 50. Average car insurance cost ranges from $1,532 to $3,508 per year for the 2018 Honda Pilot, and $1,830 to $4,156 on the 2018 Hyundai Santa Fe for the illustrated age groups.

Average car insurance premiums for 2018 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2018 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$5,419$6,386
20-Year-Old$3,508$4,156
25-Year-Old$2,014$2,380
30-Year-Old$1,850$2,176
40-Year-Old$1,732$2,050
50-Year-Old$1,532$1,830
60-Year-Old$1,438$1,712

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 26, 2025

Out of 17 Honda Pilot trim levels, the most affordable 2018 model to insure is the LX 2WD model at an average cost of $1,614 per year. A 2018 Hyundai Santa Fe has 12 different trim levels available, with the cheapest trim level to insure being the Sport 2WD model at an average cost of $1,928 per year, or $161 per month.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim level to put coverage on is the Honda Pilot LX 2WD at a cost of $1,614 per year. The highest-cost model and trim level is the Hyundai Santa Fe SE Ultimate AWD costing an average of $2,150 per year.

The rate tables below detail both 2018 models and all trim levels available for each one, as well as an average rate for each model. The winner for the 2018 car insurance cost comparison is the Honda Pilot.

2018 Honda Pilot

$1,732

Insurance Rates by Trim Level for a 2018 Honda Pilot
2018 Honda Pilot TrimsRate
LX 2WD$1,614
LX 4WD1,614
EX 2WD1,684
EX 4WD1,684
EX Sensing 2WD1,684
EX Sensing 4WD1,742
EX-L 2WD1,742
EX-L 4WD1,742
EX-L Navigation 2WD1,742
EX-L Navigation 4WD1,742
EX-L Rear Entertainment 2WD1,742
EX-L Sensing 2WD1,742
EX-L Sensing 4WD1,742
EX-L Rear Entertainment 4WD1,796
Touring Navigation 2WD1,796
Touring Navigation 4WD1,796
Elite Navigation 4WD1,852
2018 Honda Pilot Average Rate$1,732

2018 Hyundai Santa Fe

$2,050

Insurance Rates by Trim Level for 2018 Honda Pilot
2018 Hyundai Santa Fe TrimsRate
Sport 2WD$1,928
Sport 4WD1,948
SE 2WD1,984
SE AWD1,984
SE Premium 2WD2,040
Sport 2.0T Ultimate 2WD2,040
Limited Ultimate 2WD2,096
SE Premium AWD2,096
SE Ultimate 2WD2,096
Sport 2.0T Ultimate 4WD2,096
Limited Ultimate AWD2,150
SE Ultimate AWD2,150
2018 Hyundai Santa Fe Average Rate$2,050

2017 Honda Pilot vs. Hyundai Santa Fe

When comparing insurance cost for the 2017 Honda Pilot and Hyundai Santa Fe models, the Honda Pilot is cheaper by an average of $256 per year.

The next chart visualizes the average car insurance cost for both models using drivers aged 20 to 50. Insurance cost ranges from $1,470 to $3,360 per year for a 2017 Honda Pilot, and $1,712 to $3,880 for the 2017 Hyundai Santa Fe for the five age groups shown in the chart.

Average car insurance premiums for 2017 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2017 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$5,185$5,958
20-Year-Old$3,360$3,880
25-Year-Old$1,930$2,222
30-Year-Old$1,774$2,032
40-Year-Old$1,660$1,916
50-Year-Old$1,470$1,712
60-Year-Old$1,378$1,602

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 27, 2025

Out of 17 Honda Pilot trim levels, the cheapest 2017 model to insure is the LX 2WD model at an average cost of $1,550 per year, or around $129 per month. For the 12 trims available for the Hyundai Santa Fe, the cheapest 2017 trim level to insure is the Sport 2WD model at a cost of $1,758 per year, or about $147 per month.

When looking at the combined rates by trim for both models, the lowest-cost model and trim to buy insurance for is the Honda Pilot LX 2WD at an average of $1,550 per year, and the overall most expensive vehicle to insure is the Hyundai Santa Fe Sport 2.0T Ultimate 2WD at an average cost of $2,022 per year.

The two tables below break down both 2017 models and all trim levels available for each one, along with the average rate for each model. The cheapest of the two models to insure for the 2017 model year is the Honda Pilot.

2017 Honda Pilot

$1,660

Insurance Rates by Trim Level for a 2017 Honda Pilot
2017 Honda Pilot TrimsRate
LX 2WD$1,550
LX 4WD1,550
EX 2WD1,620
EX 4WD1,620
EX Sensing 2WD1,620
EX Sensing 4WD1,620
EX-L 2WD1,672
EX-L Sensing 4WD1,672
EX-L Sensing 2WD1,676
EX-L 4WD1,680
EX-L Rear Entertainment 4WD1,680
EX-L Rear Entertainment 2WD1,682
EX-L Navigation 4WD1,686
EX-L Navigation 2WD1,690
Touring Navigation 2WD1,724
Touring Navigation 4WD1,724
Elite Navigation 4WD1,776
2017 Honda Pilot Average Rate$1,660

2017 Hyundai Santa Fe

$1,916

Insurance Rates by Trim Level for 2017 Honda Pilot
2017 Hyundai Santa Fe TrimsRate
Sport 2WD$1,758
Sport 4WD1,812
SE 2WD1,838
Sport Premium 2WD1,864
SE AWD1,916
Sport 2.0T 2WD1,916
Sport Premium 4WD1,916
Limited 2WD1,962
Sport 2.0T 4WD1,970
Sport 2.0T Ultimate 4WD2,014
Limited AWD2,022
Sport 2.0T Ultimate 2WD2,022
2017 Hyundai Santa Fe Average Rate$1,916

2016 Honda Pilot vs. Hyundai Santa Fe

When comparing insurance rates for the 2016 Honda Pilot and Hyundai Santa Fe models, the Honda Pilot has cheaper rates by $22 per year.

The following chart demonstrates the average cost to insure both 2016 models for drivers aged 20 to 50. For a 2016 Honda Pilot, the average cost of car insurance ranges from $1,486 to $3,394 per year for the included age groups. Full-coverage insurance for the 2016 Hyundai Santa Fe ranges from $1,512 to $3,416 on average per year.

Average car insurance premiums for 2016 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2016 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$5,227$5,239
20-Year-Old$3,394$3,416
25-Year-Old$1,938$1,962
30-Year-Old$1,776$1,790
40-Year-Old$1,670$1,692
50-Year-Old$1,486$1,512
60-Year-Old$1,394$1,412

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 27, 2025

For the 17 trims available for the 2016 Honda Pilot, the most affordable trim to insure is the LX 2WD model at an average cost of $1,506 per year, or about $126 per month.

A 2016 Hyundai Santa Fe has 17 trim options available, with the lowest-cost trim level to insure being the Sport 2WD model at an average cost of $1,558 per year.

When comparing both models combined at a trim-level basis, the cheapest vehicle to put coverage on is the Honda Pilot LX 2WD at an average of $1,506 per year, and the highest-cost model and trim level is the Hyundai Santa Fe Sport 2.0T Tech 4WD at an average cost of $1,798 per year.

The next tables detail average car insurance rates for every trim level for both 2016 models, including the average rate for each model. The winner for the 2016 car insurance battle is the Honda Pilot.

2016 Honda Pilot

$1,670

Insurance Rates by Trim Level for a 2016 Honda Pilot
2016 Honda Pilot TrimsRate
LX 2WD$1,506
EX 2WD1,556
LX 4WD1,556
EX 4WD1,652
EX Sensing 2WD1,652
EX Sensing 4WD1,652
EX-L 2WD1,652
EX-L 4WD1,700
EX-L Navigation 2WD1,700
EX-L Navigation 4WD1,700
EX-L Rear Entertainment 2WD1,700
EX-L Rear Entertainment 4WD1,700
EX-L Sensing 2WD1,700
EX-L Sensing 4WD1,700
Touring Navigation 2WD1,748
Touring Navigation 4WD1,748
Elite Navigation 4WD1,796
2016 Honda Pilot Average Rate$1,670

2016 Hyundai Santa Fe

$1,692

Insurance Rates by Trim Level for 2016 Honda Pilot
2016 Hyundai Santa Fe TrimsRate
Sport 2WD$1,558
Sport 4WD1,604
SE Premium 4WD1,652
Sport Premium 2WD1,652
Sport Premium 4WD1,652
Sport Ultimate 2WD1,652
3.6 GLS 2WD1,702
4WD1,702
SE 2WD1,702
SE 4WD1,702
Sport 2.0T 2WD1,702
Sport 2.0T 4WD1,702
Sport Ultimate 4WD1,702
Limited 2WD1,748
Sport 2.0T Tech 2WD1,748
Limited 4WD1,798
Sport 2.0T Tech 4WD1,798
2016 Hyundai Santa Fe Average Rate$1,692

2015 Honda Pilot vs. Hyundai Santa Fe

For 2015 Honda Pilot and Hyundai Santa Fe models, the Honda Pilot has cheaper car insurance rates by $70 per year for this model year.

The following chart demonstrates the average insurance cost for the two models using a range of rated driver ages. For a 2015 Honda Pilot, average car insurance cost ranges from $1,378 to $3,092 per year for the driver examples in the chart. Full-coverage insurance for the 2015 Hyundai Santa Fe ranges from $1,438 to $3,256 on average per year.

Average car insurance premiums for 2015 Honda Pilot and Hyundai Santa Fe models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Honda Pilot and Hyundai Santa Fe models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2015 model year Honda Pilot and Hyundai Santa Fe. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Honda Pilot vs. Hyundai Santa Fe Insurance Cost
Driver Age Honda Pilot Hyundai Santa Fe
18-Year-Old$4,731$4,997
20-Year-Old$3,092$3,256
25-Year-Old$1,778$1,862
30-Year-Old$1,624$1,700
40-Year-Old$1,536$1,606
50-Year-Old$1,378$1,438
60-Year-Old$1,288$1,346

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 27, 2025

For the 14 trim levels available for a 2015 Honda Pilot, the lowest-cost trim level to insure is the SE 4WD model at an average cost of $1,366 per year. Out of the 15 trim options available for the Hyundai Santa Fe, the most affordable 2015 trim level to insure is the Sport 2WD model at a cost of $1,470 per year, or around $123 per month.

When all 29 trims of both models are combined and compared, the overall cheapest vehicle to buy insurance for is the Honda Pilot SE 4WD at a cost of $1,366 per year, and the most expensive trim is the Hyundai Santa Fe Sport 2.0T Tech 4WD at an average of $1,738 per year.

The two tables below illustrate average car insurance cost by trim level for a 2015 Honda Pilot and Hyundai Santa Fe, along with the average rate for each model. The model with the cheapest car insurance rates for 2015 is the Honda Pilot.

2015 Honda Pilot

$1,536

Insurance Rates by Trim Level for a 2015 Honda Pilot
2015 Honda Pilot TrimsRate
SE 4WD$1,366
LX 2WD1,410
EX 2WD1,454
LX 4WD1,454
EX 4WD1,544
EX-L 2WD1,544
SE 2WD1,544
EX-L 4WD1,590
EX-L Navigation 2WD1,590
EX-L Navigation 4WD1,590
EX-L RES 2WD1,590
EX-L RES 4WD1,590
Touring 2WD1,634
Touring 4WD1,634
2015 Honda Pilot Average Rate$1,536

2015 Hyundai Santa Fe

$1,606

Insurance Rates by Trim Level for 2015 Honda Pilot
2015 Hyundai Santa Fe TrimsRate
Sport 2WD$1,470
Sport 4WD1,516
Sport Premium 2WD1,560
Sport Ultimate 2WD1,560
Sport Ultimate 4WD1,560
Sport Premium 4WD1,604
3.6 GLS 2WD1,606
Sport 2.0T 4WD1,610
Sport 2.0T 2WD1,612
3.6 GLS 4WD1,616
3.6 Limited Saddle 2WD1,650
3.6 Limited 4WD1,656
3.6 Limited 2WD1,658
Sport 2.0T Tech 2WD1,700
Sport 2.0T Tech 4WD1,738
2015 Hyundai Santa Fe Average Rate$1,606

Additional Honda Pilot and Hyundai Santa Fe Resources