The Hyundai Santa Fe is a crossover SUV that's available in compact and mid-size options. The Santa Fe is known for offering a blend of reliability and modern technology. No matter which type of Santa Fe you drive, it needs to be protected with the right car insurance.
When it's time to find the best Hyundai Santa Fe insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Hyundai Santa Fe at a great rate. But first, here's a deep dive into how much it costs to insure a Hyundai Santa Fe by model year and top-rated insurance company in 2026.
Key Takeaways - Hyundai Santa Fe Car Insurance
Hyundai Santa Fe insurance costs an average of $1,836 per year, or approximately $153 per month, for full coverage in 2026.
Progressive, American Family, and Nationwide are the cheapest carriers for model-year 2025 Hyundai Santa Fe insurance this year.
Your age, location, credit, and driving history can all impact the cost of Hyundai Santa Fe insurance.
Hyundai Santa Fe insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $32 monthly for minimum coverage, while those in Louisiana pay $170.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Hyundai Santa Fe model.
What Is Hyundai Santa Fe Insurance?
Hyundai Santa Fe insurance is a special type of car insurance policy that includes customized coverage options for your specific vehicle. As a crossover SUV, the Santa Fe may require additional coverage beyond that needed by standard sedans. However, the Santa Fe's average insurance rates tend to be cheaper than those for comparable sedans.
Recommended coverage options for Hyundai Santa Fe drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Hyundai Santa Fe:
- Gap insurance: If you have a new or financed Hyundai vehicle, this coverage can pay the difference between the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Hyundai warranty insurance: This can extend Hyundai's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Hyundai parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
Your state likely requires several types of car insurance by law. A local independent insurance agent can help you satisfy your state's minimum car insurance requirements for your Santa Fe.
How Much Does Hyundai Santa Fe Insurance Cost?
The average cost of car insurance for a Hyundai Santa Fe is $1,836 per year, or approximately $153 per month, for full coverage. However, several factors can influence the cost of Hyundai insurance, including:
- The specific type of Santa Fe you drive
- Your claims history
- Your driving history
- Your location
- The types and amount of coverage you need
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Hyundai Santa Fe full coverage insurance or a basic Hyundai Santa Fe liability insurance policy.
Is the Hyundai Santa Fe Expensive to Insure?
No, the Hyundai Santa Fe isn't expensive to insure on average. The average monthly cost of Hyundai Santa Fe auto insurance is $153, while the average for other SUVs is $184.
| Vehicle | Average Monthly Cost of Car Insurance |
| Hyundai Santa Fe | $153 |
| All SUVs | $184 |
Hyundai Santa Fe Insurance Costs by Model Year
Next, we'll break down several model years of the Hyundai Santa Fe and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Hyundai Santa Fe* | $2,253 |
| 2025 Hyundai Santa Fe | $2,876 |
| 2024 Hyundai Santa Fe | $3,410 |
| 2023 Hyundai Santa Fe | $691 |
| 2022 Hyundai Santa Fe | $828 |
| 2021 Hyundai Santa Fe | $677 |
| 2020 Hyundai Santa Fe | $709 |
| 2019 Hyundai Santa Fe | $560 |
| 2018 Hyundai Santa Fe | $764 |
| 2017 Hyundai Santa Fe | $608 |
| 2016 Hyundai Santa Fe | $613 |
| 2015 Hyundai Santa Fe | $743 |
| 2014 Hyundai Santa Fe | $667 |
| 2013 Hyundai Santa Fe | $699 |
| 2012 Hyundai Santa Fe | $568 |
| 2011 Hyundai Santa Fe | $507 |
| 2010 Hyundai Santa Fe | $474 |
*Note: The 2026 Hyundai Santa Fe's average rate is a projection based on the observation of inflation trends and current market data.
Cheapest Hyundai Santa Fe Car Insurance Companies for 2026
You can find affordable Hyundai Santa Fe auto insurance from many different carriers. These top-rated car insurance companies provide the cheapest model-year 2025 Hyundai Santa Fe insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,686 |
| Nationwide | $1,812 |
| USAA | $1,886 |
| American Family | $1,920 |
| Erie | $2,060 |
| Allstate | $3,522 |
Hyundai Santa Fe Car Insurance Rates by State
Location is one of the biggest factors that influences car insurance costs. Here are some average auto insurance rates for the Hyundai Santa Fe by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $74 | $139 |
| Alaska | $62 | $131 |
| Arizona | $104 | $194 |
| Arkansas | $72 | $160 |
| California | $83 | $168 |
| Colorado | $84 | $202 |
| Connecticut | $121 | $208 |
| Delaware | $122 | $204 |
| Florida | $114 | $264 |
| Georgia | $128 | $211 |
| Hawaii | $46 | $104 |
| Idaho | $48 | $97 |
| Illinois | $79 | $147 |
| Indiana | $56 | $110 |
| Iowa | $50 | $119 |
| Kansas | $63 | $146 |
| Kentucky | $107 | $182 |
| Louisiana | $170 | $366 |
| Maine | $44 | $92 |
| Maryland | $136 | $229 |
| Massachusetts | $89 | $188 |
| Michigan | $136 | $262 |
| Minnesota | $71 | $148 |
| Mississippi | $75 | $149 |
| Missouri | $102 | $204 |
| Montana | $64 | $151 |
| Nebraska | $62 | $141 |
| Nevada | $155 | $281 |
| New Hampshire | $60 | $107 |
| New Jersey | $142 | $234 |
| New Mexico | $71 | $159 |
| New York | $106 | $190 |
| North Carolina | $72 | $141 |
| North Dakota | $51 | $112 |
| Ohio | $66 | $129 |
| Oklahoma | $80 | $177 |
| Oregon | $107 | $185 |
| Pennsylvania | $75 | $176 |
| Rhode Island | $106 | $190 |
| South Carolina | $88 | $164 |
| South Dakota | $47 | $144 |
| Tennessee | $68 | $138 |
| Texas | $108 | $221 |
| Utah | $94 | $160 |
| Vermont | $39 | $94 |
| Virginia | $81 | $131 |
| Washington | $80 | $148 |
| West Virginia | $74 | $152 |
| Wisconsin | $57 | $126 |
| Wyoming | $32 | $100 |
Average Hyundai Santa Fe Insurance Rates by Driver Age and Profile
Additional factors that can influence car insurance costs include your age, credit, and driving history. At age 25, car insurance rates plummet until about age 65, then gradually climb again. Here are some average auto insurance rates for the Hyundai Santa Fe by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,390 | $10,823 | $12,622 |
| 20 | $5,723 | $8,323 | $9,745 |
| 25 | $3,310 | $4,891 | $5,680 |
| 30 | $2,555 | $3,813 | $4,416 |
| 35 | $2,432 | $3,550 | $4,164 |
| 40 | $2,326 | $3,418 | $4,010 |
| 45 | $2,257 | $3,299 | $3,948 |
| 55 | $2,051 | $3,020 | $3,621 |
| 65 | $2,199 | $3,213 | $3,773 |
| 75 | $2,760 | $4,072 | $4,691 |
Hyundai Santa Fe Insurance Rates by Trim Level
Your Santa Fe's trim level can also impact the cost of your car insurance, due to the various features, values, and replacement costs associated with each. Here are some average Santa Fe auto insurance rates by trim for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| GL Sport Utility 4D | $54 | $104 |
| Sport Utility 4D | $72 | $138 |
| LX Sport Utility 4D | $77 | $148 |
| GLS Sport Utility 4D | $79 | $152 |
| SE Sport Utility 4D | $85 | $164 |
| 2.0T Ultimate Sport Utility 4D | $85 | $165 |
| 2.0T SEL Sport Utility 4D | $85 | $166 |
| XL Limited Ultimate Sport Utility 4D | $85 | $166 |
| SEL | $89 | $174 |
| Calligraphy Sport Utility 4D | $90 | $174 |
| SE | $90 | $176 |
| SEL Sport Utility 4D | $91 | $176 |
| 2.4 Limited Sport Utility 4D | $92 | $178 |
| XRT Sport Utility 4D | $92 | $179 |
| Blue Sport Utility 4D | $92 | $180 |
| 2.0T Limited Sport Utility 4D | $93 | $180 |
| Sport 2.0T Sport Utility 4D | $93 | $180 |
| 2.4 SEL Plus Sport Utility 4D | $96 | $185 |
| XL SE Sport Utility 4D | $97 | $189 |
| Calligraphy | $98 | $191 |
| 2.4 SE Sport Utility 4D | $98 | $190 |
| XRT | $100 | $195 |
| Limited | $105 | $205 |
Best Hyundai Santa Fe Insurance Discounts: How to Lower Your Hyundai Santa Fe Insurance Premiums
There are several options you can try to bring your Santa Fe insurance rates down. Follow any of these simple tips to reduce your premium rates even further:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Hyundai may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about Hyundai Santa Fe insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Hyundai Santa Fe insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Hyundai Santa Fe insurance from a trusted carrier near you.
Your independent insurance agent can help you save the most money possible on Santa Fe insurance. They also know even more strategies to help you reduce your costs.
An Independent Insurance Agent Can Help You Get the Best Hyundai Santa Fe Insurance Quotes
When it's time to find the most affordable Hyundai Santa Fe insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Hyundai Santa Fe insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Hyundai Santa Fe Insurance
How much does Hyundai Santa Fe insurance cost per year?
The average annual cost of full coverage for a Hyundai Santa Fe is $1,836 per year, or approximately $153 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Hyundai Santa Fe insurance premiums?
Having poor credit, traffic accidents or violations on your record, or filing past claims can all increase the cost of Santa Fe insurance.
Is the Hyundai Santa Fe expensive to insure?
No, the Hyundai Santa Fe isn't expensive to insure on average. The cost of a six-month full coverage policy is only $918.
What are the best and cheapest carriers for Hyundai Santa Fe insurance in 2026?
We found that Progressive, American Family, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Hyundai Santa Fe insurance this year.
Is insurance cheaper for the Santa Fe than for other SUVs?
Yes, the Hyundai Santa Fe's average insurance rates are cheaper than those for other SUVs. While the Hyundai Santa Fe's average full coverage rates are just $153 per month, other SUVs average $184 per month.
How can I get cheaper Hyundai Santa Fe insurance?
Finding cheaper Hyundai Santa Fe insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/hyundai-santa-fe-insurance/
https://www.thezebra.com/auto-insurance/vehicles/hyundai/santa-fe/
https://www.insuranceopedia.com/auto-insurance/hyundai-santa-fe-car-insurance