Hyundai Santa Fe Insurance Cost [2022 Rates + Comparisons]

How much does Hyundai Santa Fe insurance cost? We compare insurance rates from the base SE 2WD model up to the Limited and SEL 2.0 Plus Premium trims to see how prices compare to the competition.

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How much does Hyundai Santa Fe insurance cost?

Hyundai Santa Fe car insurance rates average $1,590 annually, or about $133 if paid each month. Drivers can plan on paying approximately $46 more per year for Hyundai Santa Fe insurance compared to the average rate for midsize SUVs, and $23 more per year than the all-vehicle national average of $1,567.

The following chart details how average Hyundai Santa Fe car insurance rates fluctuate with differences in driver age and physical damage deductibles. The rates shown are per year and vary from the cheapest policy rate of $1,206 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest rate of $3,674 annually for a driver age 20 with low deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Hyundai Santa Fe with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Hyundai Santa Fe trim levels.Data last updated on September 8, 2022
Hyundai Santa Fe Car Insurance Rates
Hyundai Santa Fe Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,690$224
$500$3,170$264
$250$3,674$306
30$1,000$1,408$117
$500$1,676$140
$250$1,954$163
40$1,000$1,344$112
$500$1,590$133
$250$1,844$154
50$1,000$1,228$102
$500$1,448$121
$250$1,678$140
60$1,000$1,206$101
$500$1,422$119
$250$1,648$137

To help you comprehend the massive variability in insurance rates, think about the fact that liability-only insurance for a Hyundai Santa Fe in the most affordable parts of Indiana or Maine costs as little as $203 a year, while a teen driver with an accident and a violation in certain areas in New York might be as expensive as $14,722 a year for full coverage.

The next table shows average full coverage car insurance rates for the 2013 through 2022 Santa Fe models for both annual and semi-annual policy terms.

Hyundai Santa Fe Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Hyundai Santa Fe$1,590$795$133
2021 Hyundai Santa Fe$1,570$785$131
2020 Hyundai Santa Fe$1,544$772$129
2019 Hyundai Santa Fe$1,474$737$123
2018 Hyundai Santa Fe$1,528$764$127
2017 Hyundai Santa Fe$1,446$723$121
2016 Hyundai Santa Fe$1,298$649$108
2015 Hyundai Santa Fe$1,256$628$105
2014 Hyundai Santa Fe$1,212$606$101
2013 Hyundai Santa Fe$1,174$587$98

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Hyundai Santa Fe Insurance Cost by Model Year

The Santa Fe vs. other SUVs: How does it rank?

The Hyundai Santa Fe ranks #21 out of 29 total comparison vehicles in the 2022 midsize SUV segment for insurance cost. The Santa Fe costs an average of $1,590 per year to insure for full coverage and the category median rate is $1,544 annually, a difference of $46 per year.

When compared to top-selling vehicles in the midsize SUV class, car insurance for a Hyundai Santa Fe costs $90 less per year than the Jeep Grand Cherokee, $56 more than the Toyota Highlander, $156 more than the Ford Explorer, and $102 less than the Jeep Cherokee.

The table below shows how average car insurance rates for a 2022 Hyundai Santa Fe compare to all 29 models in the midsize SUV class.

Insurance Cost Comparison: Hyundai Santa Fe vs Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,224-$366
2Subaru Ascent$1,310-$280
3Ford Edge$1,374-$216
4Subaru Outback$1,398-$192
5Nissan Murano$1,416-$174
6Toyota Venza$1,424-$166
7Ford Explorer$1,434-$156
8Kia Sorento$1,444-$146
9Hyundai Palisade$1,462-$128
10Volkswagen Atlas$1,472-$118
11Toyota 4Runner$1,488-$102
12Volkswagen Atlas Cross Sport$1,528-$62
13Mazda CX-9$1,530-$60
14GMC Acadia$1,532-$58
15Toyota Highlander$1,534-$56
16Nissan Pathfinder$1,540-$50
17Honda Pilot$1,546-$44
18Mitsubishi Outlander Sport$1,548-$42
19Buick Enclave$1,562-$28
20Chevrolet Traverse$1,568-$22
21Hyundai Santa Fe$1,590--
22Kia Telluride$1,596$6
23Chevrolet Blazer$1,610$20
24Jeep Grand Cherokee$1,680$90
25Jeep Cherokee$1,692$102
26Mitsubishi Outlander PHEV$1,768$178
27Dodge Durango$1,788$198
28Tesla Model Y$1,804$214
29Rivian R1S$1,902$312

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Insurance Cost Comparison: Hyundai Santa Fe vs Midsize SUVs

When we factor vehicle price (MSRP) into the comparison, it enables us to see how average car insurance cost compares between the Santa Fe and midsize non-luxury SUV models that are closest in purchase price.

For the 2022 model year, the average purchase price for a Santa Fe is $36,505, which ranges from $27,400 to $45,360, depending on the trim level being purchased.

The four SUV models closest in price to the Santa Fe are the Toyota Venza, Kia Telluride, Subaru Ascent, and Kia Sorento. The data below shows how those models compare to a 2022 Santa Fe by both sticker price and the cost to insure.

  • Compared to the Toyota Venza – The 2022 Toyota Venza retails for an average of $36,565 ($32,890 to $40,380), which is $60 more expensive than the MSRP for the Hyundai Santa Fe. The cost to insure a Santa Fe compared to the Toyota Venza is $166 more each year on average.
  • Compared to the Kia Telluride – Having an average sticker price of $37,440 and ranging from $33,090 to $42,990, the Kia Telluride costs $935 more than the MSRP for the Hyundai Santa Fe. The cost to insure a 2022 Hyundai Santa Fe compared to the Kia Telluride is $6 less annually on average.
  • Compared to the Subaru Ascent – The Subaru Ascent has an average sticker price of $38,025, ranging from $32,295 to $45,445, which is $1,520 more expensive than the MSRP for the Hyundai Santa Fe. Anticipate paying around $280 less each year to insure the Subaru Ascent compared to a Santa Fe.
  • Compared to the Kia Sorento – The 2022 Kia Sorento has an average sticker price of $38,098, ranging from $29,590 to $48,090, which is $1,593 more expensive than the average cost of the Hyundai Santa Fe. Car insurance for the Kia Sorento costs an average of $146 less each year than the Hyundai Santa Fe.

Is insurance cheap for a Hyundai Santa Fe?

With Hyundai Santa Fe auto insurance rates ranging from $1,476 to $1,692 per year on average, the most economical trim level to insure is the SE. The second cheapest trim level to insure is the SEL also at $1,524 per year. On average, plan on paying at least $123 per month for a policy with full coverage.

The two most expensive models of Hyundai Santa Fe to insure are the Plug-in Hybrid Limited the Calligraphy at $1,676 per year. Those trim levels will cost an extra $216 per year over the least expensive SE model.

The next table shows the average annual and 6-month car insurance policy costs, in addition to a monthly budget amount, for each Hyundai Santa Fe model trim level.

2022 Hyundai Santa Fe Insurance Cost by Trim Level
Hyundai Santa Fe Trim Level Annual Policy 6-month Policy Per Month
SE$1,476$738$123
SEL$1,524$762$127
Hybrid Blue$1,532$766$128
XRT$1,546$773$129
Hybrid SEL Premium$1,584$792$132
Plug-in Hybrid SEL Convenience$1,598$799$133
Hybrid Limited$1,608$804$134
Limited$1,662$831$139
Calligraphy$1,676$838$140
Plug-in Hybrid Limited$1,692$846$141

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Hyundai Santa Fe, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Hyundai Santa Fe Insurance Cost by Trim Level

Will my location change insurance cost?

Most definitely your location will impact the price you pay. The cost to insure a Hyundai Santa Fe can range widely, from cheaper premiums like $990 a year in Raleigh, NC, or $1,066 in Virginia Beach, VA, to expensive rates such as $2,642 a year in Las Vegas, NV, and $2,648 for car insurance in Philadelphia.

The chart below visualizes estimated Hyundai Santa Fe car insurance cost for the most populated metro areas in America. Rates range from $1,196 per year in Columbus, OH, to $3,004 in New York City, a difference of $1,808.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Hyundai Santa Fe, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Hyundai Santa Fe trim levels.Data last updated on September 8, 2022
Hyundai Santa Fe Insurance Rates in Large U.S. Cities
Hyundai Santa Fe Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,004$250
Philadelphia, PA$2,648$221
Los Angeles, CA$2,636$220
San Francisco, CA$2,266$189
Jacksonville, FL$2,254$188
San Jose, CA$1,876$156
Phoenix, AZ$1,828$152
San Diego, CA$1,786$149
Chicago, IL$1,728$144
Dallas, TX$1,700$142
Houston, TX$1,690$141
Indianapolis, IN$1,600$133
San Antonio, TX$1,522$127
Austin, TX$1,448$121
Columbus, OH$1,196$100

Average Hyundai Santa Fe insurance rates by state

When comparing Hyundai Santa Fe insurance rates from a broader perspective, states like Maine ($1,100) and Virginia ($1,026) have cheaper car insurance rates, while states like Nevada ($1,744), Florida ($2,322), and Michigan ($2,532) have expensive car insurance rates.

States like Maryland, Mississippi, and New Jersey are states with rates closer to the median, with costs of $1,436, $1,500, and $1,500 per year, respectively.

The table below shows average annual, semi-annual, and monthly insurance rates for a 2022 Hyundai Santa Fe in all 50 states.

Hyundai Santa Fe Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,294$647$108
Alaska$1,396$698$116
Arizona$1,414$707$118
Arkansas$1,700$850$142
California$1,822$911$152
Colorado$1,696$848$141
Connecticut$1,540$770$128
Delaware$1,614$807$135
Florida$2,322$1,161$194
Georgia$1,538$769$128
Hawaii$1,082$541$90
Idaho$1,254$627$105
Illinois$1,286$643$107
Indiana$1,188$594$99
Iowa$1,150$575$96
Kansas$1,600$800$133
Kentucky$1,848$924$154
Louisiana$2,300$1,150$192
Maine$1,100$550$92
Maryland$1,436$718$120
Massachusetts$1,304$652$109
Michigan$2,532$1,266$211
Minnesota$1,398$699$117
Mississippi$1,500$750$125
Missouri$1,686$843$141
Montana$1,550$775$129
Nebraska$1,518$759$127
Nevada$1,744$872$145
New Hampshire$958$479$80
New Jersey$1,500$750$125
New Mexico$1,274$637$106
New York$1,692$846$141
North Carolina$1,010$505$84
North Dakota$1,322$661$110
Ohio$924$462$77
Oklahoma$1,548$774$129
Oregon$1,330$665$111
Pennsylvania$1,338$669$112
Rhode Island$1,872$936$156
South Carolina$1,464$732$122
South Dakota$1,438$719$120
Tennessee$1,258$629$105
Texas$1,498$749$125
Utah$1,312$656$109
Vermont$1,056$528$88
Virginia$1,026$513$86
Washington$1,208$604$101
West Virginia$1,430$715$119
Wisconsin$1,082$541$90
Wyoming$1,458$729$122

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Hyundai Santa Fe, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Hyundai Santa Fe trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on September 8, 2022
Hyundai Santa Fe insurance rates by U.S. state

In conclusion, here are a few additional rate figures as well as some ways to reduce insurance costs, if that’s your goal.

  • Santa Fe insurance rates for teenagers are high. Average rates for full coverage Santa Fe insurance costs $5,734 per year for a 16-year-old driver, $5,354 per year for a 17-year-old driver, and $4,998 per year for a 18-year-old driver.
  • Higher physical damage deductibles lower policy cost. Increasing your policy deductibles from $500 to $1,000 could save around $246 per year for a 40-year-old driver and $480 per year for a 20-year-old driver.
  • The lower deductible you choose, the higher the policy cost. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $254 per year for a 40-year-old driver and $504 per year for a 20-year-old driver.
  • Earn policy discounts to save money. Discounts may be available if the insureds take a defensive driving course, are senior citizens, sign their policy early, are military or federal employees, drive a vehicle with safety or anti-theft features, or many other policy discounts which could save the average driver as much as $272 per year.
  • As driver age goes up, rates trend downward. The difference in insurance cost for a Hyundai Santa Fe between a 60-year-old driver ($1,422 per year) and a 30-year-old driver ($1,676 per year) is $254, or a savings of 15.2%.
  • Raise your credit score for cheaper insurance rates. Having a good credit rating over 800 could save as much as $250 per year versus a rating of 670-739. Conversely, a below average credit rating could cost around $289 more per year. Some states do not allow credit scores to be used as a rating factor, so this discount may not be available to you depending on where you live.