Hyundai Santa Cruz Insurance Rates

The average insurance rates for a Hyundai Santa Cruz are $1,446 a year including full coverage. Comprehensive costs an estimated $320 a year, collision insurance costs $552, and liability costs around $416. Buying just liability costs as low as $474 a year, and insurance for high-risk drivers costs around $3,126. Teen drivers cost the most to insure at up to $5,362 a year.

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Santa Cruz trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above highlight why it is important to compare prices for a targeted area, instead of using price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down average Hyundai Santa Cruz insurance rates for other coverage scenarios.

• The lowest rate with discounts is $834
• Using higher $1,000 deductibles will save approximately $1,250 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,446
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,832
• Drivers with multiple violations and an at-fault accident could pay up to $3,126
• Policy cost that insures a teen driver can cost as much as $5,362 or more

View Chart as Image

Insurance rates for a Hyundai Santa Cruz also range considerably based on the trim level of your Santa Cruz, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Your home state has a huge impact on Hyundai Santa Cruz insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,070 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $590 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Hyundai Santa Cruz Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Shop around at every policy renewal by quoting rates from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a summary of the data covered in the above illustrations.

• Policyholders who want more liability protection will pay about $460 per year to increase from a 30/60 limit to the 250/500 level
• You may be able to save approximately $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Youthful drivers are charged the highest rates, with premiums being up to $447 each month if full coverage is included