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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Estimated insurance prices for a Hyundai Santa Cruz are $1,464 every 12 months for full coverage insurance. Comprehensive costs on average $346 a year, collision costs $570, and liability coverage is $390. Liability-only insurance costs around $452 a year, with high-risk driver insurance costing around $3,152. Teens pay the most at $5,346 a year or more.

Average premium for full coverage: $1,464

Premium estimates by type of coverage:

Comprehensive $346
Collision $570
Liability $390

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Santa Cruz trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Hyundai Santa Cruz go from the cheapest price of $452 for a discount liability-only rate to a high of $3,152 for a driver required to buy high-risk insurance.

Liability Only $452
Full Coverage $1,464
High Risk $3,152

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

Rural Areas $1,098
Small Cities $1,537
Large Cities $1,976

These rate differences illustrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than using averaged prices.

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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $844
  • Raising to $1,000 deductibles will save around $1,256 each year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,464
  • Selecting low $100 deductibles increases the price to $1,868
  • Unlucky drivers with serious driving violations could pay upwards of $3,152 or more
  • An auto insurance policy to insure a teenage driver may cost $5,346

View Chart as Image

Hyundai Santa Cruz insurance cost comparison chart
Column chart showing full coverage Hyundai Santa Cruz insurance rates range from $844 to $5,346

Insurance prices for a Hyundai Santa Cruz also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Santa Cruz.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $620 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Hyundai Santa Cruz insurance rates. A middle-age driver might find prices as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,980 on average in Michigan, New York, and Florida.

Hyundai Santa Cruz Insurance Rates by State
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%

View Chart as Image

Hyundai Santa Cruz insurance rates by U.S. city

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and prices will be substantially different.

Hyundai Santa Cruz Insurance Rates by Model Year
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 Shop for More Affordable Hyundai Santa Cruz Insurance

Finding better rates on auto insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around at every policy renewal by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following list is a summary of the data illustrated above.

  • Consumers who require an increased level of liability coverage will pay approximately $430 annually to raise from 30/60 bodily injury limits to a 250/500 level
  • It is possible to save as much as $180 per year simply by quoting early and online
  • Increasing policy deductibles could save as much as $600 each year
  • Drivers age 16 to 20 pay higher prices, with premiums being up to $446 per month if full coverage is included

Rates by Driver Age

Hyundai Santa Cruz Insurance 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

Hyundai Santa Cruz Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,868
$250 $1,682
$500 $1,464
$1,000 $1,256

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Santa Cruz Insurance Rates with Different Liability Limits
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

Hyundai Santa Cruz Insurance 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.

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 $108
5-yr Claim Free $94
Paid in Full/EFT $68
Advance Quote $72
Online Quote $104
Total Discounts $620
Rate after discounts $844

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

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