Hyundai Santa Cruz Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Hyundai Santa Cruz are $1,454 a year including full coverage. Comprehensive costs on average $332, collision costs $566, and liability is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing around $3,136. 16-year-old drivers pay the highest rates at $5,348 a year or more.

Average premium for full coverage: $1,454

Price estimates by individual coverage:

Comprehensive $332
Collision $566
Liability $398

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Santa Cruz trim levels.

Price Range from Low to High

For the normal driver, Hyundai Santa Cruz insurance prices go from as low as $460 for the bare minimum liability coverage to a much higher rate of $3,136 for a driver that may need high-risk insurance.

Liability Only $460
Full Coverage $1,454
High Risk $3,136

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how geographic area affects car insurance rates.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

The ranges above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of 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.

Additional Rate Information

The chart below breaks down estimated Hyundai Santa Cruz insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $836
  • Raising to $1,000 deductibles will save around $204 every year
  • The average rate for the average middle-age driver with $500 deductibles is $1,454
  • Buying more expensive low deductibles will increase the cost to $1,848
  • At-risk drivers with multiple tickets or accidents could pay upwards of $3,136 or more
  • The price for full coverage for a teen driver with full coverage may cost $5,348

View Chart as Image

Hyundai Santa Cruz insurance cost comparison chart
Column chart showing full coverage Hyundai Santa Cruz insurance rates range from $836 to $5,348

Car insurance prices for a Hyundai Santa Cruz are also quite variable based on your driving record, the model of your Santa Cruz, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,300 a year. View Rates by Age

The state you live in also has a big influence on Hyundai Santa Cruz insurance prices. A middle-age driver might find prices as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,080 on average in Michigan, New York, and Louisiana.

Hyundai Santa Cruz Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,316 -$138 -9.5%
Alaska $1,116 -$338 -23.2%
Arizona $1,208 -$246 -16.9%
Arkansas $1,454 -$0 0.0%
California $1,658 $204 14.0%
Colorado $1,388 -$66 -4.5%
Connecticut $1,496 $42 2.9%
Delaware $1,646 $192 13.2%
Florida $1,820 $366 25.2%
Georgia $1,344 -$110 -7.6%
Hawaii $1,044 -$410 -28.2%
Idaho $984 -$470 -32.3%
Illinois $1,086 -$368 -25.3%
Indiana $1,096 -$358 -24.6%
Iowa $982 -$472 -32.5%
Kansas $1,384 -$70 -4.8%
Kentucky $1,984 $530 36.5%
Louisiana $2,154 $700 48.1%
Maine $898 -$556 -38.2%
Maryland $1,200 -$254 -17.5%
Massachusetts $1,164 -$290 -19.9%
Michigan $2,528 $1,074 73.9%
Minnesota $1,218 -$236 -16.2%
Mississippi $1,744 $290 19.9%
Missouri $1,290 -$164 -11.3%
Montana $1,562 $108 7.4%
Nebraska $1,148 -$306 -21.0%
Nevada $1,746 $292 20.1%
New Hampshire $1,050 -$404 -27.8%
New Jersey $1,626 $172 11.8%
New Mexico $1,290 -$164 -11.3%
New York $1,534 $80 5.5%
North Carolina $838 -$616 -42.4%
North Dakota $1,192 -$262 -18.0%
Ohio $1,004 -$450 -30.9%
Oklahoma $1,496 $42 2.9%
Oregon $1,332 -$122 -8.4%
Pennsylvania $1,388 -$66 -4.5%
Rhode Island $1,942 $488 33.6%
South Carolina $1,318 -$136 -9.4%
South Dakota $1,228 -$226 -15.5%
Tennessee $1,274 -$180 -12.4%
Texas $1,754 $300 20.6%
Utah $1,078 -$376 -25.9%
Vermont $996 -$458 -31.5%
Virginia $870 -$584 -40.2%
Washington $1,126 -$328 -22.6%
West Virginia $1,334 -$120 -8.3%
Wisconsin $1,008 -$446 -30.7%
Wyoming $1,296 -$158 -10.9%

View Chart as Image

Hyundai Santa Cruz insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $600 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.

Hyundai Santa Cruz Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Santa Cruz $346 $570 $390 $1,464
2023 Hyundai Santa Cruz $332 $566 $398 $1,454
2022 Hyundai Santa Cruz $320 $552 $416 $1,446

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 More Affordable Hyundai Santa Cruz Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a summary of the data that was presented in the illustrations above.

  • You may be able to save as much as $180 per year simply by shopping early and online
  • Policyholders who require more liability protection will pay around $440 per year to raise from a low limit to 250/500 limits
  • Youthful drivers are expensive to insure, possibly costing $446 a month if full coverage is included
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,680 more each year than a low-risk driver

Rates by Driver Age

Hyundai Santa Cruz Insurance Rates by Driver Age
Driver Age Premium
16 $5,348
20 $3,342
30 $1,522
40 $1,454
50 $1,328
60 $1,302

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Santa Cruz Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,848
$250 $1,666
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Santa Cruz Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,454
50/100 $1,534
100/300 $1,633
250/500 $1,892
100 CSL $1,573
300 CSL $1,792
500 CSL $1,952

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Santa Cruz Insurance Rates for High Risk Drivers
Age Premium
16 $7,638
20 $5,310
30 $3,212
40 $3,136
50 $2,992
60 $2,966

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.

SR-22 Surcharge $200

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 $107
5-yr Claim Free $94
Paid in Full/EFT $67
Advance Quote $72
Online Quote $104
Total Discounts $618
Rate after discounts $836

Discounts are estimated and may not be available from every company or in every state.

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