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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The Hyundai Santa Fe is less expensive to insure than the U.S. national average for all vehicles, at $133 per month, according to Compare.com data. But Santa Fe drivers can get a much lower rate with some insurers. For example, the cheapest insurer, Mile Auto, charges an average monthly premium of $65.
That said, the cost of your insurance policy will depend on a variety of factors, including your age and where you live. Understanding how those factors affect your premiums can help you ensure you get the best possible coverage for your budget.
Here’s what you need to know about Santa Fe car insurance and how to get the cheapest coverage for your SUV.
Santa Fe drivers pay an average of $94 per month for liability-only car insurance and $173 for full coverage.
Mile Auto, Certainly, and Travelers offer the cheapest rates for Santa Fe drivers.
Santa Fe rates vary by state, with New York drivers paying an average of $302 per month compared to $59 per month in North Carolina.
What you pay for insurance coverage depends largely on the type of policy you purchase. Liability-only insurance is cheaper and may satisfy your legal requirement for coverage. It pays for the other driver’s bodily injuries or property damage when you cause an accident.
If you have a car loan or lease your vehicle, your lender may require you to purchase full coverage. A full-coverage policy typically includes liability, collision insurance, and comprehensive coverage. The latter two protect you and your vehicle.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Hyundai Santa Fe | $94 | $173 | $133 |
| All vehicles | $107 | $197 | $152 |
On average, Hyundai Santa Fe drivers pay an average of $94 per month for liability coverage and $173 per month for full coverage. Keep in mind that your actual rate comes down to factors such as your vehicle’s age, where you live, your driving record, and the insurance company you choose.
Even though Santa Fe rates are cheaper than average, you can save even more on your car insurance policy. One way to do this is by shopping around for coverage.
Below, we highlight the five cheapest car insurance companies for the Hyundai Santa Fe.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $65 |
| Certainly | $71 |
| Travelers | $71 |
| Nationwide | $80 |
| Mercury | $88 |
Mile Auto, which offers pay-per-mile insurance, offers the cheapest rates, at just $65 per month. But while these insurers offer the best average rates, that doesn’t mean they’ll be the cheapest option for every driver. That’s why it’s critical to compare quotes from multiple insurance companies to get the best deal for you.
Next, we’ll look at the best insurance companies for different Santa Fe owners.
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No single car insurance company offers the best coverage at the right rate for everyone, so it’s important to compare policies from multiple companies. To help you get started, we’ve highlighted three top auto insurers for your Hyundai Santa Fe based on average rates, available discounts, customer satisfaction, and coverage options.
Compare.com Rating: 4.23 out of 5
Cheap rates for Santa Fe drivers
Many discounts available
Few customer complaints[1]
Below-average claims satisfaction[2]
Available in only 42 states
Limited rideshare coverage
In addition to low average rates for Santa Fe drivers, Travelers offers a variety of savings opportunities for different types of drivers. For example, you can save on coverage if you practice safe driving habits, own a hybrid or electric vehicle, attend school, or purchase a new vehicle.
Travelers isn’t available in every state, and discounts like safe driver, new car, and multi-car aren’t available in all states where coverage is available.
Compare.com Rating: 4.88 out of 5
Usage-based car insurance available
Several optional add-ons available
High claims satisfaction rating[2]
Nationwide offers a variety of coverage options, making it easier for you to customize your insurance policy based on your needs and budget. Optional add-ons include rental car expense, gap coverage, towing and labor coverage, accident forgiveness, vanishing deductible, roadside assistance, and total loss deductible waiver.
The insurer also offers telematics discounts and usage-based insurance through its SmartRide and SmartMiles programs. Unfortunately, Nationwide isn’t available in a few states: Alaska, Hawaii, Louisiana, or Massachusetts.
Compare.com Rating: 5.00 out of 5
Many discounts available
Above-average claims satisfaction rating
Includes roadside assistance
Few optional coverages
Above-average number of customer complaints[5]
No coverage in Massachusetts or Rhode Island
State Farm provides several discount opportunities, especially for students and teen drivers. Young drivers may qualify for savings by completing an approved driver education course or enrolling in the company’s Steer Clear and Drive Safe & Save telematics programs.
Additionally, students who maintain strong academic performance can earn up to 25% off their premiums through State Farm’s good student discount.
Comparing quotes can save you up to $867.†
Your Santa Fe ’s age can affect how much you pay for coverage, primarily because older models that have depreciated in value are less expensive to repair or replace.[6]
The table below shows the average monthly car insurance premium by Sante Fe by model year and the cheapest insurer for each, according to Compare.com data.
Santa Fe Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $168 | Direct Auto | $167 |
| 2024 | $173 | Safeco | $133 |
| 2023 | $158 | Mercury | $94 |
| 2022 | $145 | Mile Auto | $46 |
| 2021 | $151 | Mercury | $90 |
| 2020 | $140 | Clearcover | $83 |
| 2019 | $144 | Certainly | $67 |
| 2018 | $143 | Safeco | $94 |
| 2017 | $143 | Mile Auto | $76 |
| 2016 | $131 | Safeco | $83 |
| 2015 | $133 | Elephant | $105 |
| 2014 | $145 | Elephant | $97 |
| 2013 | $123 | Safeco | $74 |
| 2012 | $120 | Mercury | $82 |
Where you live can also affect how much you pay for car insurance. Next, we’ll take a look at the average rate by state.
Location isn’t just important in real estate — it also affects how much you pay for auto insurance. Different states have different risk factors that insurers consider when setting premiums. For example, states with bigger populations, higher accident rates, and more expensive repair costs tend to have higher car insurance rates.[6]
Here’s what Santa Fe owners pay per month in each state, on average, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $78 |
| Arizona | $105 |
| Arkansas | $150 |
| California | $151 |
| Colorado | $123 |
| Connecticut | $239 |
| Delaware | $146 |
| Florida | $154 |
| Georgia | $156 |
| Idaho | $79 |
| Illinois | $98 |
| Indiana | $85 |
| Iowa | $71 |
| Kansas | $96 |
| Kentucky | $154 |
| Louisiana | $142 |
| Maine | $93 |
| Maryland | $216 |
| Massachusetts | $118 |
| Michigan | $184 |
| Minnesota | $118 |
| Mississippi | $118 |
| Missouri | $115 |
| Montana | $96 |
| Nebraska | $110 |
| Nevada | $187 |
| New Hampshire | $72 |
| New Jersey | $125 |
| New Mexico | $91 |
| New York | $302 |
| North Carolina | $59 |
| North Dakota | $91 |
| Ohio | $80 |
| Oklahoma | $102 |
| Oregon | $101 |
| Pennsylvania | $103 |
| Rhode Island | $90 |
| South Carolina | $172 |
| South Dakota | $76 |
| Tennessee | $89 |
| Texas | $139 |
| Utah | $114 |
| Vermont | $85 |
| Virginia | $114 |
| Washington | $88 |
| District of Columbia | $179 |
| West Virginia | $91 |
| Wisconsin | $80 |
| Wyoming | $76 |
While you may have some control over where you live, that’s not true for every auto insurance factor. Next, we’ll take a look at how Santa Fe insurance rates can vary based on your age.
Your age is one of the most important factors for car insurance rates because it provides some clues about general driving habits.
For example, older drivers tend to obey traffic laws more consistently and get into fewer accidents than younger drivers. Teen drivers, in particular, are at the greatest risk of getting into fatal accidents, which results in higher premiums, according to the Insurance Information Institute.
Let’s take a look at the average rates for Hyundai Santa Fe drivers in different age groups, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $251 | Mile Auto | $122 |
| Adults | $122 | Mile Auto | $59 |
| Seniors | $103 | Mile Auto | $50 |
Sante Fe owners see a substantial drop in the cost of coverage — around $129 per month — when teens become adults. Rates go down further as you age, though they start to trend upward again around your 70s.
Your driving record also significantly affects your car insurance rate. Unlike other factors that are based on other drivers like you, your driving record displays your personal driving habits.
Drivers with a history of traffic violations, such as speeding, at-fault accidents, or driving under the influence (DUI), typically face higher auto insurance premiums because insurance companies view these drivers as high-risk.[7]
Here’s how each of these infractions may affect what you pay for auto insurance coverage, according to our data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $133 | Mile Auto | $65 |
| Speeding ticket | $185 | Mile Auto | $90 |
| At-fault accident | $193 | Mile Auto | $94 |
| DUI | $219 | Mile Auto | $107 |
Speeding and causing an accident can both increase your rates quite a bit, but a DUI can hike your rate by a whopping 65%. Mile Auto tops our list for the cheapest insurance coverage for each infraction.
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Several Hyundai Santa Fe features and options can affect your insurance rates, leaving you with lower or higher monthly premiums. Here are just a few examples:
Safety features: Santa Fe models with advanced safety tech, such as forward collision warning, blind-spot monitoring, and parking distance warning, may qualify for discounts.
Drive type: Choosing a model with all-wheel drive can increase potential repair costs, resulting in higher premiums.
Upgrades: Higher-end trims with more powerful engines or luxury upgrades may cost more to insure due to increased repair or replacement costs.
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It’s important to take steps to maximize your savings on auto insurance. Here are a handful of steps you can take:
Take advantage of safety features. Many Santa Fe models come equipped with driver assistance tech, such as lane assist and collision avoidance. Be sure your insurer knows your vehicle includes these features, as they may qualify you for safety discounts.
Choose a trim that’s cheaper to insure. Opting for a lower trim level, such as the SE or SEL, with a smaller engine and fewer luxury upgrades can help reduce your premiums.
Maintain a clean driving record. Safe driving pays off. Avoiding speeding tickets and at-fault accidents can keep your insurance costs lower over time.
Bundle and save. If you own a home, consider bundling your Santa Fe’s policy with your homeowners insurance. Many insurers offer multi-policy discounts that can lead to significant savings.
Shop around regularly. Insurance rates can vary widely between companies, even for the same vehicle. Compare quotes from several insurers annually to make sure you’re still getting the best rate for your Hyundai Santa Fe.
Get personalized quotes for your Hyundai Santa Fe.
Below, we answer some common questions about Hyundai Santa Fe insurance costs.
No. Santa Fe car insurance rates fall below the U.S. national average for all vehicles, averaging $133 per month, according to Compare.com data. Keep in mind that factors like your age, driving history, and coverage choices will determine whether your rate will be higher or lower than average.
Mile Auto offers the cheapest average rates for Santa Fe drivers, at just $65 per month, according to our data. But it’s still important to shop around and compare quotes from several insurers to ensure you get the best rate for your unique profile.
It costs an average of $168 per month to insure the 2025 Hyundai Santa Fe, according to our research. New models typically cost more than older cars, but other factors, like your state and the insurer you choose, can affect your premiums.
The Santa Fe is the cheapest Hyundai to insure, according to our research. Owners pay an average of $133 per month to insure their Santa Fe.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.