Hyundai Santa Cruz Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Hyundai Santa Cruz are $1,454 annually with full coverage. Comprehensive costs on average $332 a year, collision costs $566, and liability coverage is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing around $3,136. Teens pay the highest rates at $5,348 a year or more.
Average premium for full coverage: $1,454
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Santa Cruz trim levels.
Price Range from Low to High
For the average 40-year-old driver, Hyundai Santa Cruz insurance prices go from as cheap as $460 for a discount liability-only rate to a high of $3,136 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a large influence on auto insurance rates. Rural areas have fewer collision claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, 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 details estimated Hyundai Santa Cruz insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $836
- Choosing higher $1,000 deductibles can save around $1,250 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,454
- Selecting low $100 deductibles for comp and collision coverage will cost $1,848
- Drivers with serious driving violations could pay upwards of $3,136 or more
- The price with full coverage for a teenage driver may cost $5,348 each year
Insurance prices for a Hyundai Santa Cruz are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $600 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Hyundai Santa Cruz insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,970 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer calculates prices differently, and prices may be quite different between companies.
| 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 Buy the Right Hyundai Santa Cruz Insurance
Getting lower rates on auto insurance takes having a decent driving record, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a quick rundown of the information touched on in this article.
- You may be able to save as much as $180 per year simply by quoting early and online
- 16 to 18-year-old drivers pay higher prices, costing up to $446 a month if they have full coverage
- Increasing physical damage deductibles could save up to $600 each year
- Drivers with reckless driving or DUI convictions pay an average of $1,680 more each year than a driver with a clean driving record
- Consumers who require additional liability coverage will pay approximately $440 every year to raise limits from a low limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,848 |
| $250 | $1,666 |
| $500 | $1,454 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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