Hyundai Santa Fe Xl Car Insurance Cost 2025
Getting insurance for a Hyundai Santa Fe XL costs an average of $1,050 annually. However, the actual cost can vary depending on factors such as your age, the car’s model year, and other personal considerations. You can refer to our quote tables below to get a personalized estimate tailored to your specific circumstances.
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Insuring a Hyundai Santa Fe XL typically costs around $1,050 per year, or about $88 per month, making it one of the more affordable midsize SUVs to insure.
This competitive pricing is largely due to the vehicle’s strong safety ratings, solid reliability, and relatively low repair costs. Insurance rates, however, can vary widely based on factors such as the driver’s age, location, credit score, and driving history.
Drivers with clean records and good credit are likely to pay less, while younger drivers or those with past violations may see higher rates. Overall, the Santa Fe XL is reasonably priced to insure.
How Much Does Hyundai Santa Fe Xl Car Insurance Cost?
Typically, Hyundai Santa Fe XL drivers can find car insurance at an average rate of $1,050 per year. However, the actual cost may vary based on factors such as age, driving history, location, and the specific coverage options chosen.
While SECURA Insurance’s rate is a good reference point, car insurance costs can vary widely based on several factors. These factors include where you live, your driving history, the age of your car, and the coverage options you choose. A clean driving record usually results in lower premiums, while a history of accidents or traffic violations can increase your rates.
Living in a busy urban area generally leads to higher insurance costs compared to quieter rural areas. The type of coverage you select also affects your premium. Comprehensive coverage, which includes both comprehensive and collision, will be more expensive than basic liability coverage.
At Insuranceopedia, we help you compare quotes from different insurance providers to ensure you get the best deal.
Average Insurance Cost Of Hyundai Santa Fe Xl By Model Year
| Model Year | Average Premium |
| 2025 Hyundai Santa Fe Xl | $1,379 |
| 2020 Hyundai Santa Fe Xl | $955 |
| 2019 Hyundai Santa Fe Xl | $768 |
2025 Hyundai Santa Fe Xl Insurance Rates
The average annual insurance cost for a 2025 Hyundai Santa Fe Xl is $1,379. However, USAA offers the cheapest rates, averaging $1,200 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,235 |
| Erie Insurance | $1,260 |
| Liberty Mutual | $1,365 |
| Nationwide | $1,450 |
| Travelers | $1,380 |
| Farmers | $1,420 |
| Allstate | $1,515 |
| Progressive | $1,470 |
| Geico | $1,495 |
| USAA | $1,200 |
2020 Hyundai Santa Fe Xl Insurance Rates
The average annual insurance cost for a 2020 Hyundai Santa Fe Xl is $955. However, SECURA Insurance offers the cheapest rates, averaging $704 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $790 |
| Hastings Mutual Insurance Co | $1,036 |
| Penn National | $845 |
| Farm Bureau Ins of MI | $1,066 |
| Virginia Farm Bureau | $1,133 |
| Mercury Insurance | $860 |
| Capital Insurance Group | $1,030 |
| SECURA Insurance | $704 |
| Erie | $994 |
| PEMCO | $1,091 |
2019 Hyundai Santa Fe Xl Insurance Rates
The average annual insurance cost for a 2019 Hyundai Santa Fe Xl is $768. However, Direct Auto offers the cheapest rates, averaging $478 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $983 |
| AssuranceAmerica Mobile Max | $1,054 |
| AssuranceAmerica | $973 |
| Direct Auto | $478 |
| North Carolina Farm Bureau | $521 |
| Mercury Insurance | $521 |
| New Jersey Manufacturers | $832 |
| MMG Insurance Company | $484 |
| GMAC Insurance Group | $808 |
| Texas Farm Bureau Group | $1,029 |
Find Affordable Hyundai Santa Fe Xl Insurance Rates
Are Hyundai Santa Fe Xls Expensive To Insure?
The Hyundai Santa Fe XL is generally considered affordable to insure among midsize SUVs. On average, annual insurance premiums for this model range from approximately $704 to $1,133, depending on the insurer and individual factors . This cost is influenced by various elements, including the driver’s age, location, driving history, and chosen coverage levels. The Santa Fe XL’s strong safety ratings and moderate repair costs contribute to its lower insurance costs. However, premiums can vary significantly based on individual circumstances, including credit history and selected coverage options. Overall, the Santa Fe XL offers a balance of safety and affordability, making it a cost-effective choice for many drivers.
Cheapest Car Insurance Companies For A Hyundai Santa Fe Xl
The table above showcases estimated annual and monthly insurance premiums for the 2025 Hyundai Santa Fe XL from five different insurance providers. SECURA Insurance offers the most affordable annual premium at approximately $740, translating to about $62 per month, making it an attractive option for budget-conscious drivers. Texas Farm Bureau and Penn National also provide competitive rates, with annual premiums around $790 and $880, respectively. On the higher end, Capital Insurance Group and Erie Insurance have estimated annual premiums of $1,020 and $975, respectively, which may reflect broader coverage options or different underwriting criteria.
| Insurance Company | Average Monthly |
| SECURA Insurance | $62 |
| Penn National | $73 |
| Erie Insurance | $81 |
| Capital Insurance Group | $85 |
| Texas Farm Bureau | $66 |
Common Hyundai Santa Fe Xl Insurance Discounts
Discounts can be a great way to lower your car insurance costs. Some common discounts that you may be eligible for include:
- Multi-policy discount: If you bundle your home and auto insurance with the same provider, you may receive a discounted rate.
- Pay annually: Some insurance companies offer discounts if you pay your premium in one lump sum rather than spreading it out over monthly payments.
- Defensive driving: Completing a defensive driving course from a certified institution can often qualify you for a discount.
There may be other discounts available based on factors like your car’s safety features, driving habits, or membership in certain organizations. It’s a good idea to talk to your insurance agent to find out which discounts apply to you.
Compare Hyundai Santa Fe Xl To Other Hyundai Models
Looking for other Hyundai model insurance costs?
- Hyundai Accent Car Insurance
- Hyundai Santa Fe Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance, which includes $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that the actual cost you’ll pay for car insurance may differ from the averages listed in this guide, as it depends on factors like your driving history, location, and the specific details of your vehicle.
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FAQs
Do You Need Insurance Before You Can Purchase A Hyundai Santa Fe Xl?
Yes, you’re required to provide proof of insurance before driving your Hyundai Santa Fe XL off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company that you’re about to buy the car, rather than relying on the dealership to arrange insurance for you. This way, you ensure you’re covered from the moment you take possession of the vehicle.
How Can You Get The Cheapest Insurance For Your Hyundai Santa Fe Xl?
The best way to find the cheapest rates for your Hyundai Santa Fe XL is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers directly on our website, making it easier to find the best deal for your needs.
