How much is insurance on a Hyundai Santa Fe?

A 2024 Hyundai Santa Fe runs about $1,780 a year for a typical 45-year-old, $160 less than an average car of the same age: less damage to others' property outweigh higher non-crash losses and higher crash-repair losses. Putting a new 16-year-old on a family policy with the Santa Fe adds about $1,180 a year (#10 of 25 midsize SUVs we compare).

2024 Hyundai Santa Fe (Santa Fe AWD), national average

about $1,780 a year (about $150 a month)

Estimated range: $1,300–$2,400. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Santa Fe drops to about $1,510 (see the table below).

A Hyundai Santa Fe from the 2024–present generation. Photo: AutobildEs, CC BY 3.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Santa Fe AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Santa Fe's rank is the same in every state.

Why the Hyundai Santa Fe costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Hyundai Santa Fe 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 110 for crash repairs, 115 for non-crash damage, and 59 for damage to others' property.

Crash repairs (collision)fixing this car after a crashAverage10% worse than average22nd best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage15% worse than average22nd best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average41% better than average3rd best of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costInsufficient dataNo result from HLDI for this model

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

HLDI doesn't publish a result for injuries to others on this model, so it's marked “Insufficient data”.

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Santa Fe comes out about 11% worse than average. We count about a third of that difference, so the part of the bill that fixes the car is about 4% more than average: about $990 a year vs $950. On the liability side, HLDI publishes damage to others' property but not injury claims for the Santa Fe, so we go by that one result: about 41% better than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 20% less than average: $790 a year vs $990.

How the math works

In EPA size classes, the Santa Fe is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Hyundai Santa Fe is benchmarked against midsize SUVs.

Matched to HLDI series “Hyundai Santa Fe 4dr 4WD” (HLDI, 2022–24 models).

A used Hyundai Santa Fe, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Santa Fe AWD (0–3 years old)	about $1,780	about $790	+$1,180	about $5,120
2022 Santa Fe AWD (4–7 years old)	about $1,660	about $790	+$1,100	about $4,780
2018 Santa Fe AWD (8–12 years old)	about $1,490	about $790	+$990	about $4,280
2013 Santa Fe 2WD (13 or more years old)	about $1,510	about $950	+$1,000	about $4,340

Our catalog covers the Hyundai Santa Fe across model years 2006–2027. Full coverage on a used 2013 Santa Fe (13 or more years old) runs about $1,510 a year, $270 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $950 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Hyundai Santa Fe trims, full coverage goes from about $1,780 a year on the Santa Fe AWD to about $1,980 on the Santa Fe Hybrid FWD, because HLDI's loss results differ by body, drive, or powertrain.

Santa Fe AWD; Santa Fe AWD XRT: about $1,780
Santa Fe FWD: about $1,810
Santa Fe Hybrid AWD: about $1,850
Santa Fe Hybrid FWD: about $1,980

On a policy of their own with a 2024 Hyundai Santa Fe, a 22–25-year-old pays about $2,320 a year ($540 more than a 45-year-old), a 26–39-year-old about $1,980, and a driver 65 and older about $1,870.

Adding a 16-year-old with a Hyundai Santa Fe

Because the Hyundai Santa Fe starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,180 a year ($100 a month), $100 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,120 a year, about $3,940 more than sharing the family policy.

For adding a teen driver, the Hyundai Santa Fe ranks 21st cheapest out of all 121 models we track. Stepping down to a used 2013 Santa Fe (13 or more years old) brings the teen add-on to about $1,000 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Hyundai Santa Fe is the 10th least expensive to insure. Right next to it are the Kia Telluride (about $1,780 a year) and the Jeep Wrangler (about $1,790).

Photos from Wikimedia Commons contributors. Photo credits.

What a Hyundai Santa Fe costs in your state

In six sample states, a 2024 Hyundai Santa Fe runs from about $1,240 a year in Wisconsin through South Dakota, Washington, Mississippi and Maryland to about $2,350 in New York:

Wisconsinabout $1,240/yr · +$820 teen
South Dakotaabout $1,440/yr · +$950 teen
Washingtonabout $1,530/yr · +$1,010 teen
Mississippiabout $1,730/yr · +$1,140 teen
Marylandabout $1,990/yr · +$1,310 teen
New Yorkabout $2,350/yr · +$1,550 teen

All 50 states and DC · Updated November 5, 2026.

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