Hyundai Santa Fe Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Hyundai Santa Fe is less expensive to insure than the average SUV.

• Full coverage auto insurance for a Santa Fe tends to be about $141 monthly, on average, while liability only insurance generally comes in at around $77 per month.

• NationalGeneral provides the lowest average premiums for a Santa Fe with liability only coverage offered for as cheap as just $36 a month.

Santa Fe Overview

Coming in with a base MSRP of $27,200 for 2022 models, the Hyundai Santa Fe is a great budget-friendly car for drivers of all types. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when considering your insurance prices.

We analyzed thousands of car insurance quotes on Compare.com, and we've found that Hyundai Santa Fe auto insurance rates run about $141 monthly, on average. Compared to other vehicles in the market, how do Santa Fe insurance premiums stack up?

How Much is Car Insurance for a Hyundai Santa Fe?

If you look at the table above, you'll find that car insurance prices for a Hyundai Santa Fe are less expensive than average. Santa Fe owners normally pay around $77 per month for liability insurance, and about $141 a month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When compared to other Hyundai models, the Santa Fe is cheaper, with premiums around 19% lower than the rest of the manufacturer's vehicle lineup. Compared to SUV offerings from other brands, auto insurance for a Santa Fe is also more affordable, with full coverage insurance rates coming in about 7% less and 5% less for liability only insurance.

When compared to all vehicles, regardless of body style, make, or model, the Santa Fe follows a similar pattern of having below average car insurance premiums.

Who has the Cheapest Car Insurance for a Hyundai Santa Fe?

If you're looking for a new car insurance policy for your Hyundai Santa Fe, you're probably most interested in which company offers the lowest rates. While there will never be one carrier that offers the cheapest rates for everyone, NYCM provides the most affordable average rates for liability only coverage, with rates as little as just $25 per month. With car insurance as little as $33 monthly, Aspire is the next cheapest insurance company.

NationalGeneral, Hugo, and AnswerFinancial round out the rest of the top 5 list. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Hyundai Santa Fe.

Car insurance companies take lots of different factors into consideration when calculating monthly rates. By checking quotes from a multitude of car insurance carriers at once, you can rest easy knowing that you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Hyundai Santa Fe?

There are a range of variables that auto insurance companies reference to calculate how much they charge for a policy -- and each carrier uses a different method, so there's not a single company that's the most affordable for every driver.

The sections below show lots of things insurance carriers use to calculate rates:

Vehicle Age

The Hyundai Santa Fe has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for auto insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually get lower.

Based on the information in the above table, the Hyundai Santa Fe bucks the trend, as the cheapest models to insure are those that are 4 to 5 years old, while on average, the most expensive Santa Fes are 15 years old or more.

Your Age

Age plays a significant role in how much you pay for insurance. Based on the information in the table above, the youngest Santa Fe drivers pay much more compared to drivers who have more experience. In this case, drivers under 18 pay $58 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group for Santa Fe drivers being 55-64.

Your Gender

Men typically pay more for car insurance than women. This is because men are more likely to get into collisions and get tickets, which increases the chances of an insurance claim. When it comes to Santa Fe drivers specifically, men pay around $79 per month for auto insurance, while women pay about $75.

Where You Live

You're probably already aware that variables such as how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live can matter just as much? Because car insurance is regulated on a state-by-state basis, rates can shift quite a bit from state to state.

For example, the average Hyundai Santa Fe driver in New York pays around $166 a month for liability coverage. Meanwhile, the same owner from California will pay less than a third of that price, on average. The chart shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change depending on where you live.

Hyundai Santa Fe Car Insurance Discounts

No matter how old you are, what car you drive, or where you live, using as many discounts as possible when it comes to your auto insurance policy is always a good idea.

While no two insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than by monthly payments
• Multi-vehicle discounts for adding more than one car to your auto policy

There are countless ways to save money on your car insurance if you know where to look. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you can't control every factor insurance carriers examine to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use in your favor in order to save on auto insurance:

Your Driving Record

You've no doubt observed ads from car insurance companies promoting large savings for good drivers. And you're probably not surprised to hear that your insurance prices will go up if you get tickets for speeding or get into an accident. But you're probably wondering exactly how much these infractions will cost you.

Based on the table above, accidents will usually cost Santa Fe drivers more than tickets, but both will result in higher than normal rates. Hyundai Santa Fe drivers with a single accident on their record pay an average of $95 each month (up $18 from the $77/mo. overall average), while drivers with one ticket will pay about $90 monthly. Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that impacts your auto insurance premiums is how much you drive annually. Those who are on the roads less often are less likely to get into accidents, so they'll usually get cheaper rates. In the table above, you can see that Hyundai Santa Fe owners who drive fewer than 2,500 miles every year pay an average of $74 a month for car insurance, while those who put 10,000 miles or more on their cars pay $79.

If you don't drive much because have a second vehicle or you work from home, it may be worth reviewing usage-based or pay-per-mile insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Hyundai Santa Fes Compare to Other Vehicles?

If you're thinking about making a Hyundai Santa Fe your next purchase, it can pay off to do your due diligence. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering.

Review the table below to see how the Hyundai Santa Fe compares:

As you can see, a Hyundai Santa Fe is a great value when it comes to overall price tag. The Santa Fe goes for $27,200, which is quite a bit lower than the national average vehicle MSRP of $41,045.

In the same fashion, auto insurance premiums are cheaper when compared to the rest of the vehicle market. Liability insurance for a Hyundai Santa Fe is about $17 per month less than average, while full coverage is over $30 less monthly.

When it comes to usage, Hyundai Santa Fe drivers are near the national average in annual miles driven, with 10,838 miles a year compared to 11,673 for all vehicles.

Hyundai Santa Fe Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on how much the average driver pays for car insurance. If you're considering buying a new Santa Fe, knowing what you'll likely pay for the specific car you're looking at can be extremely helpful as you weigh your choices.

So we've crunched the numbers and broken down Hyundai Santa Fe insurance prices by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've also included some other helpful info that might help you make a decision, like which trim levels are offered, the base MSRP, and who offers the lowest policies for each year the Santa Fe has been around.

2022 Hyundai Santa Fe Car Insurance

On average, drivers who own a 2022 Hyundai Santa Fe can expect to pay $64 to $130 per month for liability only and full coverage car insurance, respectively.

Looking for the most affordable policy? Apparent offered liability only coverage for sometimes as low as $64 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

2021 Hyundai Santa Fe Car Insurance

The average cost to insure a 2021 Santa Fe with liability only coverage is $57 monthly, while full coverage runs around $142 per month.

Mercury has premiums sometimes as little as $23 a month for the 2021 Hyundai Santa Fe.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

2020 Hyundai Santa Fe Car Insurance

You can expect full coverage for a 2020 Hyundai Santa Fe to run about $185 monthly, while liability only coverage will average around $94 per month.

With rates sometimes as cheap as $24 monthly, Mercury offered the cheapest policy we found.

What will your auto insurance premium be? Just enter your ZIP code below to get a variety of personalized quotes for free.

2019 Hyundai Santa Fe Car Insurance

2019 Santa Fe drivers can expect to pay an average of $79 a month for liability or $146 for full coverage.

If you're looking for the most affordable 2019 Hyundai Santa Fe insurance policy, MetroMile offered the lowest policy we found, with rates as cheap as $24 per month.

If you want to know exactly how much you can expect to pay for your Santa Fe, get free quotes in minutes by just entering your ZIP code below.

2018 Hyundai Santa Fe Car Insurance

It costs about $84 monthly for liability or $158 for a full coverage policy for the 2018 Hyundai Santa Fe.

With prices as low as just $23 a month, Commonwealth Casualty offered the most affordable policy we found for the 2018 Hyundai Santa Fe.

If you want to find the best rates for car insurance for a 2018 Hyundai Santa Fe, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2017 Hyundai Santa Fe Car Insurance

On average, drivers who own a 2017 Santa Fe can expect to pay $76 to $146 per month for liability only and full coverage auto insurance, respectively.

Clearcover offered the cheapest policy we found, with rates as low as $23 monthly.

What could your insurance rate look like? Get lots of personalized quotes for free by just entering your ZIP code below.

2016 Hyundai Santa Fe Car Insurance

2016 Hyundai Santa Fe drivers can expect to pay an average of $63 a month for liability or $145 for full coverage.

We found Mercury offered the lowest policy, with rates sometimes as little as $18 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2015 Hyundai Santa Fe Car Insurance

You can expect full coverage for a 2015 Santa Fe to run around $137 monthly, while liability only coverage will average about $65 per month.

With prices as cheap as just $19 a month, Liberty Mutual offered the most affordable policy we found for the 2015 Hyundai Santa Fe.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

2014 Hyundai Santa Fe Car Insurance

It costs around $72 per month for liability or $139 for a full coverage policy for the 2014 Hyundai Santa Fe.

If you're looking for the lowest possible 2014 Hyundai Santa Fe insurance policy, Liberty Mutual offered the cheapest policy we found, with rates as low as just $18 a month.

Want something more accurate than national averages? Get several free personalized quotes by just entering your ZIP code below.

2013 Hyundai Santa Fe Car Insurance

The average cost to insure a 2013 Santa Fe with liability only coverage is $89 monthly, while full coverage runs about $142 a month.

Looking for the most affordable policy? Shelter Mutual offered liability only coverage for as little as $20 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2012 Hyundai Santa Fe Car Insurance

2012 Hyundai Santa Fe drivers can expect to pay an average of $56 per month for liability or $137 for full coverage.

With premiums as little as just $17 a month, StateAuto offered the lowest policy we found.

These average rates are a great starting point if you're in the market for a 2012 Hyundai Santa Fe, but there are multiple different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2011 Hyundai Santa Fe Car Insurance

On average, drivers who own a 2011 Santa Fe can expect to pay $76 to $134 monthly for liability only and full coverage auto insurance, respectively.

StateAuto offered the cheapest policy we found, with rates as cheap as $18 per month.

Want to find the most affordable rates? Get multiple free customized quotes by just entering your ZIP code below.

2010 Hyundai Santa Fe Car Insurance

The average cost to insure a 2010 Hyundai Santa Fe with liability only coverage is $69 a month, while full coverage runs around $138 per month.

Hallmark has prices sometimes as cheap as $21 monthly for the 2010 Hyundai Santa Fe.

If you want to know exactly how much you can expect to pay for your Santa Fe, just enter your ZIP code below and get several free quotes in minutes.

Hyundai Santa Fe Insurance FAQs

Is a Hyundai Santa Fe expensive to insure?

Compared to the national average of all SUVs, premiums come in on the less expensive end of the spectrum. Liability insurance runs an average of $77 per month, while full coverage will cost you around $141.

How can I get the best price on car insurance for my Hyundai Santa Fe?

The only way to guarantee you're getting the lowest price on insurance is to regularly shop around and compare quotes from an array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Hyundai Santa Fe affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not true. Even though there are several factors car insurance carriers look at when they decide your auto insurance price, your car's color isn't one of them.

Do I need to have insurance before I buy a Hyundai Santa Fe?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) Santa Fe off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a a new SUV is to let your car insurance company know before you buy.

What car insurance discounts can I get for my Hyundai Santa Fe?

There are all sorts of discounts out there for auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Santa Fe has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know is to get in touch with your insurance carrier and ask about their discounts, since they fluctuate quite a bit from company to company.