The Hyundai Santa Fe is a seven-seat SUV in its current form, sold here as a turbo hybrid. Buyers in this size of car tend to look hard at the running costs, because the list price is only the start. This sheet takes each cost in turn.
The insurance figures are examples for one stated driver, read on 20 October 2026. They show the range and what moves it, not what you will be charged.
The versions
The new-car list read on 2026-10-10 has three Santa Fe versions, all SUVs made in Korea. Each is petrol-electric, with a 1,598cc engine and 215bhp:
- Santa Fe Turbo Hybrid 1.6 7-Seater
- Santa Fe Turbo Hybrid 1.6 Calligraphy 7-Seater
- Santa Fe Turbo Hybrid 1.6 Calligraphy 6-Seater
The quote form also lists older engines for cars already on the road: a 2.0 CRDi GLS (1,991cc), two 2.4s (2,351cc and 2,359cc) and a 2.7 (2,701cc). Insurance here is for the 1.6 Hybrid, the version most insurers quote.
List prices
As listed on 2026-10-10, COE included that day:
- Turbo Hybrid 1.6 7-Seater: S$263,999
- Turbo Hybrid 1.6 Calligraphy 7-Seater: S$277,999
- Turbo Hybrid 1.6 Calligraphy 6-Seater: S$279,999
Because COE is folded in, these prices move with each bidding round. When you compare offers, check what each includes, so you are setting like against like.
COE
The price page gives the COE rule for the Santa Fe 1.6 Hybrid. With a 1,598cc engine, it needs a Category A COE if its power is 97kW (130bhp) or less, and a Category B COE if it is more.
The October 2026 1st round closed at S$130,001 for Category A and S$130,100 for Category B. For each new round, see the COE page.
Road tax
For the 1,598cc engine, LTA's formula gives S$741.72 a year, before any age surcharge. The surcharge applies to cars over 10 years old:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The older 2.0, 2.4 and 2.7 engines are larger and pay more. The road tax page works them out.
Insurance for the stated driver
The Hyundai Santa Fe price page prices this case:
- Car: Santa Fe 1.6 Hybrid, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 to 19 years
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no add-ons
13 insurers price it. The lowest premium is S$684.56. The insurer whose lowest plan is dearest asks at least S$1,609.68, which is S$925.12 more, or 135% on top. Prices include 9% GST.
Twenty plans appear on the page in all, so there is plenty to compare. The highest single plan is S$1,782 a year.
Excess
On most plans the excess is S$600. Some set it at S$500 and others at S$800. A few go to S$2,500 or S$3,000, and one plan has none. A low-premium plan with a S$3,000 excess and a dearer one with no excess suit different people. Think about how likely you are to claim before you weigh them.
What changes the insurance price
The price page reworks the lowest price as one detail changes:
- No NCD (0%): S$1,235.12, S$550.56 more
- 20% NCD: S$1,152.96, S$468.40 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,221.63, S$537.07 more
- Driver aged 65, 20 or more years' driving: S$684.56, the same
- A new car, registered this year: S$706.67, S$22.11 more
- A car 8 years old: S$626.29, S$58.27 less
The no-NCD price is 80% above the standard driver's. If a younger family member will be the main driver, the third line is the one to watch. A new car adds only a little, while an older one costs a little less. These are lowest prices only, and other plans move in their own way.
Next to similar cars
For the same driver and car age, the price page sets six cars beside the Santa Fe:
- Mazda 3: S$927.36
- BMW X1: S$811.71
- Mercedes-Benz C-Class: S$749.93
- Toyota Corolla Altis: S$642.42
- Honda Freed: S$642.42
- Toyota Sienta: S$604.07
Their lowest prices average S$729.65. The Santa Fe sits 6% below that, with three of the six cheaper to insure. Other Hyundai models are on the Hyundai car insurance page.
Costs that depend on you
Some costs vary too much between owners to put a figure on:
- Parking: HDB or condo season parking, plus parking at work and on outings.
- Petrol: your mileage and the pump price. The hybrid's electric motor shares the work with the engine.
- ERP: your routes and travel times.
- Servicing and repairs: the maker's schedule, plus tyres, brakes and a battery with age. Ask what the warranty and any service package cover, including the hybrid parts.
- Depreciation: what you pay, and what the car fetches when you sell or at the end of its COE.
Summary of yearly costs we can show
For the Santa Fe 1.6 Hybrid, on the dates shown:
- Road tax: S$741.72 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$684.56 a year (20 October 2026)
- Insurance, no NCD: from S$1,235.12
- Insurance, driver aged 27: from S$1,221.63
- Insurance, a car 8 years old: from S$626.29
One-off costs for reference: list prices from S$263,999 as listed on 2026-10-10, and an October 2026 1st round COE of S$130,001 (Category A) or S$130,100 (Category B).
Before you buy: car insurance for the Hyundai Santa Fe
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Hyundai Santa Fe to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.