Hyundai Santa Cruz Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Hyundai Santa Cruz are $1,446 every 12 months including full coverage. Comprehensive costs approximately $320 a year, collision costs $552, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing around $3,126. 16-year-old drivers pay the highest rates at $5,362 a year or more.
Average premium for full coverage: $1,446
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Santa Cruz trim levels.
Price Range from Low to High
For a driver around age 40, Hyundai Santa Cruz insurance prices go from the cheapest price of $474 for liability-only coverage to a high of $3,126 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above highlight why it is important to compare rates quotes using their specific location 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.
Additional Charts and Tables
The chart below breaks down estimated Hyundai Santa Cruz insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $834
- Raising to $1,000 deductibles will save $1,250 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,446
- Buying low $100 deductibles increases the price to $1,832
- Drivers with multiple tickets or accidents could pay around $3,126 or more
- The price to insure a 16-year-old driver can cost $5,362
Auto insurance prices for a Hyundai Santa Cruz are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Santa Cruz.
Opting for high physical damage deductibles can reduce prices by up to $590 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than the average rate. View High Risk Driver Rates
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 $1,110 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,070 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,310 | -$136 | -9.4% |
| Alaska | $1,112 | -$334 | -23.1% |
| Arizona | $1,202 | -$244 | -16.9% |
| Arkansas | $1,446 | -$0 | 0.0% |
| California | $1,650 | $204 | 14.1% |
| Colorado | $1,384 | -$62 | -4.3% |
| Connecticut | $1,490 | $44 | 3.0% |
| Delaware | $1,638 | $192 | 13.3% |
| Florida | $1,810 | $364 | 25.2% |
| Georgia | $1,336 | -$110 | -7.6% |
| Hawaii | $1,038 | -$408 | -28.2% |
| Idaho | $980 | -$466 | -32.2% |
| Illinois | $1,078 | -$368 | -25.4% |
| Indiana | $1,090 | -$356 | -24.6% |
| Iowa | $978 | -$468 | -32.4% |
| Kansas | $1,376 | -$70 | -4.8% |
| Kentucky | $1,976 | $530 | 36.7% |
| Louisiana | $2,142 | $696 | 48.1% |
| Maine | $892 | -$554 | -38.3% |
| Maryland | $1,194 | -$252 | -17.4% |
| Massachusetts | $1,158 | -$288 | -19.9% |
| Michigan | $2,514 | $1,068 | 73.9% |
| Minnesota | $1,210 | -$236 | -16.3% |
| Mississippi | $1,734 | $288 | 19.9% |
| Missouri | $1,284 | -$162 | -11.2% |
| Montana | $1,556 | $110 | 7.6% |
| Nebraska | $1,142 | -$304 | -21.0% |
| Nevada | $1,734 | $288 | 19.9% |
| New Hampshire | $1,042 | -$404 | -27.9% |
| New Jersey | $1,618 | $172 | 11.9% |
| New Mexico | $1,282 | -$164 | -11.3% |
| New York | $1,526 | $80 | 5.5% |
| North Carolina | $834 | -$612 | -42.3% |
| North Dakota | $1,184 | -$262 | -18.1% |
| Ohio | $1,002 | -$444 | -30.7% |
| Oklahoma | $1,484 | $38 | 2.6% |
| Oregon | $1,326 | -$120 | -8.3% |
| Pennsylvania | $1,380 | -$66 | -4.6% |
| Rhode Island | $1,930 | $484 | 33.5% |
| South Carolina | $1,310 | -$136 | -9.4% |
| South Dakota | $1,222 | -$224 | -15.5% |
| Tennessee | $1,268 | -$178 | -12.3% |
| Texas | $1,746 | $300 | 20.7% |
| Utah | $1,072 | -$374 | -25.9% |
| Vermont | $992 | -$454 | -31.4% |
| Virginia | $868 | -$578 | -40.0% |
| Washington | $1,120 | -$326 | -22.5% |
| West Virginia | $1,326 | -$120 | -8.3% |
| Wisconsin | $1,002 | -$444 | -30.7% |
| Wyoming | $1,290 | -$156 | -10.8% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Cruz | $332 | $566 | $398 | $1,454 |
| 2023 Hyundai Santa Cruz | $320 | $552 | $416 | $1,446 |
| 2022 Hyundai Santa Cruz | $310 | $530 | $430 | $1,428 |
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
Getting lower rates on insurance for a Hyundai Santa Cruz consists of having a good driving record, having a good credit score, being claim-free, and not having any coverage lapses. Set aside time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The next list is a summary of the coverage data covered above.
- You may be able to save around $170 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $575 each year
- Drivers age 20 and younger have the highest car insurance prices, possibly costing $447 a month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $1,680 more per year to buy Hyundai Santa Cruz insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,362 |
| 20 | $3,328 |
| 30 | $1,510 |
| 40 | $1,446 |
| 50 | $1,320 |
| 60 | $1,294 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,654 |
| $500 | $1,446 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,446 |
| 50/100 | $1,529 |
| 100/300 | $1,633 |
| 250/500 | $1,904 |
| 100 CSL | $1,571 |
| 300 CSL | $1,800 |
| 500 CSL | $1,966 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,652 |
| 20 | $5,294 |
| 30 | $3,196 |
| 40 | $3,126 |
| 50 | $2,982 |
| 60 | $2,954 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $103 |
| Total Discounts | $612 |
Discounts are estimated and may not be available from every company or in every state.
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