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 prices for a Hyundai Santa Cruz are $1,454 every 12 months with full coverage. Comprehensive insurance costs around $332, collision insurance costs $566, and liability is estimated at $398. Liability-only insurance costs approximately $460 a year, and high-risk driver insurance costs $3,136 or more. 16-year-old drivers pay the highest rates at up to $5,348 a year.

Average premium for full coverage: $1,454

Price estimates for individual coverage:

Comprehensive $332
Collision $566
Liability $398

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Santa Cruz models.

Price Range from Low to High

For the average driver, Hyundai Santa Cruz insurance prices range from the cheapest price of $460 for basic liability insurance to the much higher price of $3,136 for a policy for a high-risk driver.

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

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities. The example below illustrates how location impacts auto insurance rates.

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

The ranges above demonstrate why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on 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.

Rate Comparisons

The chart below details average Hyundai Santa Cruz insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $836
  • Choosing higher $1,000 deductibles can save about $204 annually
  • The average price for the average middle-age driver using $500 deductibles is $1,454
  • Buying pricier low deductibles for comp and collision coverage costs an extra $394 annually
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,136
  • The price to insure a 16-year-old driver for full coverage can be $5,348 each year

View Chart as Image

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

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

Opting for high physical damage deductibles can save as much as $600 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 liability 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

A more mature driver with no driving violations and higher deductibles may pay as low as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 extra each year, depending on your age. Hyundai Santa Cruz insurance for high-risk drivers ranges from 43% to 131% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Hyundai Santa Cruz insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or at least $1,970 on average in Florida, Michigan, and New York.

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
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 Shop for Cheap Hyundai Santa Cruz Insurance

Getting lower rates on insurance for a Hyundai Santa Cruz takes having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the coverage data touched on above.

  • You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save as much as $600 each year
  • Drivers age 20 and younger are the costliest to insure, costing up to $446 a month if the policy includes full coverage
  • Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,680 more every year to buy Hyundai Santa Cruz insurance

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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