Hyundai Santa Cruz Insurance Rates

The average insurance rates for a Hyundai Santa Cruz are $1,446 a year including full coverage. Comprehensive costs on average $320 each year, collision insurance costs $552, and liability coverage is estimated at $416. Liability-only coverage costs approximately $474 a year, and high-risk coverage 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 by type of insurance:

These estimates include $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Santa Cruz models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.

The examples above highlight why all drivers should get quotes based on a specific location, rather than using price averages.

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

Additional Rate Analysis

The chart below breaks down average Hyundai Santa Cruz insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $834
• Choosing higher $1,000 deductibles can save around $196 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,446
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,832
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,126
• Policy cost that insures a teenage driver may cost $5,362 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 131% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Hyundai Santa Cruz insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $590 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Hyundai Santa Cruz Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around every year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief summary of the coverage data touched on in the above illustrations.

• You may be able to save as much as $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Teens pay higher rates, with premiums being up to $447 each month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,680 more each year for Santa Cruz insurance