Hyundai Santa Cruz Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Hyundai Santa Cruz are $1,464 a year for full coverage insurance. Comprehensive costs approximately $346, collision insurance costs $570, and liability coverage costs around $390. Buying just liability costs as low as $452 a year, and insurance for high-risk drivers costs around $3,152. 16-year-old drivers cost the most to insure at up to $5,346 a year.
Average premium for full coverage: $1,464
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Santa Cruz trim levels.
Price Range Variability
Using a middle-aged driver as an example, Hyundai Santa Cruz insurance rates range from the low end price of $452 for just liability insurance to a much higher rate of $3,152 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates average Hyundai Santa Cruz insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $844
- Using higher $1,000 deductibles will save $208 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,464
- Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,868
- Higher-risk drivers with multiple tickets or accidents could pay around $3,152
- Policy cost that insures a teenage driver with full coverage can cost $5,346 or more
Insurance rates for a Hyundai Santa Cruz also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be around 43% to 130% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age
Your home state has a huge impact on Hyundai Santa Cruz insurance rates. A driver around age 40 might see rates as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,980 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,324 | -$140 | -9.6% |
| Alaska | $1,124 | -$340 | -23.2% |
| Arizona | $1,216 | -$248 | -16.9% |
| Arkansas | $1,464 | -$0 | 0.0% |
| California | $1,668 | $204 | 13.9% |
| Colorado | $1,400 | -$64 | -4.4% |
| Connecticut | $1,506 | $42 | 2.9% |
| Delaware | $1,660 | $196 | 13.4% |
| Florida | $1,834 | $370 | 25.3% |
| Georgia | $1,354 | -$110 | -7.5% |
| Hawaii | $1,052 | -$412 | -28.1% |
| Idaho | $990 | -$474 | -32.4% |
| Illinois | $1,092 | -$372 | -25.4% |
| Indiana | $1,102 | -$362 | -24.7% |
| Iowa | $990 | -$474 | -32.4% |
| Kansas | $1,392 | -$72 | -4.9% |
| Kentucky | $1,998 | $534 | 36.5% |
| Louisiana | $2,170 | $706 | 48.2% |
| Maine | $904 | -$560 | -38.3% |
| Maryland | $1,210 | -$254 | -17.3% |
| Massachusetts | $1,172 | -$292 | -19.9% |
| Michigan | $2,546 | $1,082 | 73.9% |
| Minnesota | $1,226 | -$238 | -16.3% |
| Mississippi | $1,754 | $290 | 19.8% |
| Missouri | $1,298 | -$166 | -11.3% |
| Montana | $1,574 | $110 | 7.5% |
| Nebraska | $1,156 | -$308 | -21.0% |
| Nevada | $1,756 | $292 | 19.9% |
| New Hampshire | $1,056 | -$408 | -27.9% |
| New Jersey | $1,638 | $174 | 11.9% |
| New Mexico | $1,298 | -$166 | -11.3% |
| New York | $1,544 | $80 | 5.5% |
| North Carolina | $844 | -$620 | -42.3% |
| North Dakota | $1,202 | -$262 | -17.9% |
| Ohio | $1,012 | -$452 | -30.9% |
| Oklahoma | $1,504 | $40 | 2.7% |
| Oregon | $1,342 | -$122 | -8.3% |
| Pennsylvania | $1,398 | -$66 | -4.5% |
| Rhode Island | $1,956 | $492 | 33.6% |
| South Carolina | $1,330 | -$134 | -9.2% |
| South Dakota | $1,236 | -$228 | -15.6% |
| Tennessee | $1,284 | -$180 | -12.3% |
| Texas | $1,766 | $302 | 20.6% |
| Utah | $1,084 | -$380 | -26.0% |
| Vermont | $1,002 | -$462 | -31.6% |
| Virginia | $878 | -$586 | -40.0% |
| Washington | $1,130 | -$334 | -22.8% |
| West Virginia | $1,344 | -$120 | -8.2% |
| Wisconsin | $1,016 | -$448 | -30.6% |
| Wyoming | $1,306 | -$158 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $620 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Cruz | $362 | $594 | $372 | $1,486 |
| 2023 Hyundai Santa Cruz | $346 | $570 | $390 | $1,464 |
| 2022 Hyundai Santa Cruz | $332 | $566 | $398 | $1,454 |
Rates are averaged for all Hyundai Santa Cruz models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Hyundai Santa Cruz Insurance
Finding cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, being claim-free, and possibly raising deductibles. Comparison shop at least every other year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.
Below you'll find a brief recap of the car insurance concepts touched on in the above illustrations.
- Drivers who tend to receive serious violations could be charged and average of $1,690 more per year than a low-risk driver
- It is possible to save around $180 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $600 each year
- Consumers who purchase more liability protection will pay around $430 annually to increase from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,346 |
| 20 | $3,350 |
| 30 | $1,532 |
| 40 | $1,464 |
| 50 | $1,336 |
| 60 | $1,310 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,868 |
| $250 | $1,682 |
| $500 | $1,464 |
| $1,000 | $1,256 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,464 |
| 50/100 | $1,542 |
| 100/300 | $1,640 |
| 250/500 | $1,893 |
| 100 CSL | $1,581 |
| 300 CSL | $1,796 |
| 500 CSL | $1,952 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,634 |
| 20 | $5,324 |
| 30 | $3,224 |
| 40 | $3,152 |
| 50 | $3,002 |
| 60 | $2,976 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $78 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $620 |
Discounts are estimated and may not be available from every company or in every state.
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