Rivian R2 vs Hyundai Santa Fe Insurance Cost

The Hyundai Santa Fe is cheaper to insure by about $190 a year for full coverage by our estimate ($1,605 vs. $1,415), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Rivian R2	Hyundai Santa Fe	Difference
State minimum	$585	$445	+$140
Standard (100/300/100)	$845	$645	+$200
Full coverage	$1,605	$1,415	+$190

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = R2 minus Santa Fe.

Why one costs more to insure

Factor	Rivian R2	Hyundai Santa Fe
Segment	Midsize SUV	Midsize SUV
Powertrains	Electric	Gasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)	—	110
HLDI comprehensive	—	115
HLDI property damage liability	—	59
HLDI bodily injury liability	—	—
NHTSA overall rating	—	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	1	6

R2 vs Santa Fe insurance by state

State	R2	Santa Fe	Difference
Alabama	$1,405	$1,265	+$140
Alaska	$1,410	$1,245	+$165
Arizona	$1,675	$1,475	+$200
Arkansas	$1,430	$1,305	+$125
California	$1,590	$1,405	+$185
Colorado	$1,820	$1,645	+$175
Connecticut	$1,690	$1,460	+$230
Delaware	$1,760	$1,505	+$255
District of Columbia	$2,030	$1,795	+$235
Florida	$2,240	$1,895	+$345
Georgia	$1,955	$1,680	+$275
Hawaii	$1,115	$990	+$125
Idaho	$1,090	$970	+$120
Illinois	$1,395	$1,245	+$150
Indiana	$1,145	$1,025	+$120
Iowa	$1,105	$1,025	+$80
Kansas	$1,295	$1,190	+$105
Kentucky	$1,345	$1,185	+$160
Louisiana	$2,210	$1,940	+$270
Maine	$1,030	$920	+$110
Maryland	$1,790	$1,560	+$230
Massachusetts	$1,580	$1,390	+$190
Michigan	$1,755	$1,555	+$200
Minnesota	$1,345	$1,225	+$120
Mississippi	$1,540	$1,390	+$150
Missouri	$1,460	$1,315	+$145
Montana	$1,295	$1,195	+$100
Nebraska	$1,295	$1,195	+$100
Nevada	$1,805	$1,520	+$285
New Hampshire	$1,150	$1,025	+$125
New Jersey	$1,905	$1,625	+$280
New Mexico	$1,445	$1,290	+$155
New York	$2,125	$1,830	+$295
North Carolina	$1,215	$1,100	+$115
North Dakota	$1,050	$985	+$65
Ohio	$1,150	$1,030	+$120
Oklahoma	$1,455	$1,330	+$125
Oregon	$1,420	$1,225	+$195
Pennsylvania	$1,415	$1,270	+$145
Rhode Island	$1,920	$1,655	+$265
South Carolina	$1,695	$1,470	+$225
South Dakota	$1,250	$1,195	+$55
Tennessee	$1,345	$1,210	+$135
Texas	$1,905	$1,720	+$185
Utah	$1,440	$1,240	+$200
Vermont	$1,060	$965	+$95
Virginia	$1,380	$1,220	+$160
Washington	$1,385	$1,195	+$190
West Virginia	$1,350	$1,230	+$120
Wisconsin	$1,105	$1,000	+$105
Wyoming	$1,275	$1,215	+$60

By driver profile (full coverage)

Driver	R2	Santa Fe
Teen driver (18, own policy)	$4,405	$3,885
Young adult (22)	$2,565	$2,260
Adult in their 30s	$1,605	$1,415
Adult in their 50s	$1,475	$1,300
Senior (72)	$1,795	$1,585
30s, one at-fault accident	$2,325	$2,050
30s, DUI on record	$2,965	$2,615

More comparisons

Frequently asked questions

Is the Rivian R2 or the Hyundai Santa Fe cheaper to insure?

By our estimate the Hyundai Santa Fe is cheaper, by about $190 a year for full coverage ($1,605 vs. $1,415) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Rivian R2 and Hyundai Santa Fe?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. 110 and comprehensive indices of n/a vs. 115 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page