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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Average insurance rates for a Hyundai Santa Cruz are $1,454 a year for full coverage. Comprehensive insurance costs approximately $332 a year, collision insurance costs $566, and liability is $398. Liability-only coverage costs around $460 a year, and high-risk coverage costs $3,136 or more. Teens receive the highest rates at up to $5,348 a year.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

Comprehensive $332
Collision $566
Liability $398

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Santa Cruz trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as low as $460 for just the minimum liability insurance to a high of $3,136 for a high-risk driver policy.

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

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

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

These examples show why it is important to compare rates quotes using their specific location and risk profile, instead of 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.

Additional Rate Analysis

The chart below shows average Hyundai Santa Cruz insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $836
  • Raising to $1,000 deductibles will save $1,250 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,454
  • Selecting low $100 deductibles will cost an extra $394 every year
  • At-risk drivers with serious driving violations could pay around $3,136
  • The cost for full coverage for a teen driver can cost $5,348

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 rates for a Hyundai Santa Cruz can also vary considerably based on your driver profile, the trim level of your Santa Cruz, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

Where you live also has a big influence on Hyundai Santa Cruz insurance prices. A middle-age driver might find rates as low as $960 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,080 on average in New York, Louisiana, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates

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 Cheaper Hyundai Santa Cruz Insurance

Saving money on car insurance consists of being a good driver, having above-average credit, eliminating unneeded coverage, and attention to physical damage deductibles. Invest the time to compare rates every time your policy renews by requesting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a condensed summary of the information presented in the illustrations above.

  • Drivers can save around $180 per year just by quoting early and online
  • Drivers age 16 to 20 pay the highest auto insurance rates, costing as high as $446 per month if full coverage is included
  • Increasing deductibles can save around $600 each year
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,680 more per year than a safer driver
  • Policyholders who purchase an increased level of liability coverage will pay approximately $440 each year to raise from a minimum limit to 250/500 limits

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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