Is insurance high on a Hyundai Santa Fe?

Hyundai Santa Fe insurance rates are typically on the lower end, with many drivers paying less than the national average for full coverage. However, factors like the age of your vehicle along with your location, driving experience and insurance history can all impact the cost of coverage.

Why is a Hyundai so expensive to insure?

If you've heard rumors about expensive Hyundai insurance — or experienced it firsthand — it likely stems from a spike in theft that targeted certain Hyundai and Kia vehicles manufactured before 2021. Because these models lacked a key security component known as an engine immobilizer, they were highly vulnerable to theft and thus expensive to insure. If you own a Santa Fe manufactured after 2021 or any Santa Fe that features a push-button start system, you're likely not at risk of theft or high rates.

Why are Hyundais not being insured?

Due to the high risk of theft associated with some Hyundai vehicles, many insurers pulled back on issuing Hyundai insurance policies in recent years. However, this is typically not a concern for owners of Hyundai vehicles manufactured in 2021 or later.

Car Insurance for Hyundai Santa Fe

How much does it cost to insure a Santa Fe?

On average, the annual cost of car insurance for a Hyundai Santa Fe is $2,437 for full coverage. That's 10 percent less than the national average, making the Santa Fe a fairly affordable SUV to own.

Of course, average rates only tell part of the story. Car insurance pricing depends on a wide range of factors, from the price of replacement and repair parts for your vehicle and the type of safety features it sports to your own personal risk factors.

$2,437 Avg annual full coverage
insurance premium

$818 Avg annual min coverage
insurance premium

Manufacturer's suggested retail price (MSRP): From $34,300

Trims available: SE, SEL, XRT, Limited, Calligraphy

Repair costs

A major redesign for the 2024 model year could make repairs for new Santa Fes more expensive, which in turn raises the cost of coverage.

Safety features

Hyundai's robust suite of driver assistance aids make the Santa Fe a safety-conscious vehicle at any trim level, but may add to your costs in the event of a claim.

Crash ratings

The Santa Fe earned a Top Safety Pick+ designation from the Insurance Institute for Highway Safety (IIHS) in 2025, which may appeal to insurers.

Cheapest car insurance companies for a Santa Fe

The best way to find the cheapest insurance for a Hyundai Santa Fe is to compare rates based on your personal information. To give you a starting point, Bankrate's insurance editorial team compiled average rates from dozens of providers nationwide and identified the top-ranked carriers with the lowest premiums on average for Santa Fe owners.

How much does it cost to insure my Santa Fe?

The chart below compares average rates from some of the cheapest car insurance companies for a Hyundai Santa Fe. Keep in mind that your own quotes may look different, and you may be eligible for lower rates from smaller regional carriers.

2023 Santa Fe car insurance premium by carrier


Nationwide	$1,699	-738
Auto-Owners	$1,744	-693
Geico	$1,989	-448
Travelers	$1,981	-456
Progressive	$1,985	-452

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Santa Fe

The average rates shown above reflect the cost of a standard full coverage car insurance policy, but your own insurance needs may be different. When deciding how much coverage to carry on your Hyundai Santa Fe, you may want to work with a licensed insurance professional and consider the following types of coverage:

Gap insurance: If your new Santa Fe is financed, gap insurance helps to protect your investment by covering the difference between your loan balance and the insurance payout if your Santa Fe is stolen or totaled while you still owe more than it's worth.
Comprehensive and collision: Lenders typically require physical damage coverage in the form of comprehensive and collision, but you may want to carry it even if you own an older Santa Fe with no loan or lease. Without this coverage, you won't be able to file a first-party claim for damage to your Santa Fe.
Rental reimbursement: This affordable add-on helps to offset the cost of a rental vehicle if your Santa Fe is in the shop following a covered claim.

How to get a Santa Fe car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Santa Fe with other similar cars

Hyundai Santa Fe Avg annual full coverage premium $2,437 Read More	Toyota Highlander Avg annual full coverage premium $2,597 Read More	Kia Telluride Avg annual full coverage premium $2,589 See more models
Price (MSRP)
$34,300	$39,820	$36,390
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
4 stars	5 stars	5 stars
Gas mileage
20-29 mpg	21-28 mpg	20-26 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average	Average	Average

Frequently asked questions

Hyundai Santa Fe insurance rates are typically on the lower end, with many drivers paying less than the national average for full coverage. However, factors like the age of your vehicle along with your location, driving experience and insurance history can all impact the cost of coverage.
If you've heard rumors about expensive Hyundai insurance — or experienced it firsthand — it likely stems from a spike in theft that targeted certain Hyundai and Kia vehicles manufactured before 2021. Because these models lacked a key security component known as an engine immobilizer, they were highly vulnerable to theft and thus expensive to insure. If you own a Santa Fe manufactured after 2021 or any Santa Fe that features a push-button start system, you're likely not at risk of theft or high rates.
Due to the high risk of theft associated with some Hyundai vehicles, many insurers pulled back on issuing Hyundai insurance policies in recent years. However, this is typically not a concern for owners of Hyundai vehicles manufactured in 2021 or later.

Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.