Hyundai Santa Cruz Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Hyundai Santa Cruz are $1,446 a year for full coverage insurance. Comprehensive insurance costs around $320 each year, collision insurance costs $552, and liability coverage costs $416. Liability-only insurance costs as little as $474 a year, and high-risk driver insurance costs $3,126 or more. Teen drivers pay the highest rates at up to $5,362 a year.
Average premium for full coverage: $1,446
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Santa Cruz models.
Price Range from Low to High
For a driver around age 40, Hyundai Santa Cruz insurance prices range from as low as $474 for just the minimum liability insurance to a high rate of $3,126 for a high-risk insurance policy.
Geographic Price Range
Your location has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than using price 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 Rate Analysis
The chart below illustrates average Hyundai Santa Cruz insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $834
- Drivers who choose higher $1,000 deductibles will pay about $196 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,446
- Choosing low deductibles for comprehensive and collision insurance will cost an extra $386 each year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,126
- The price for full coverage for a teenage driver can be $5,362 a year
Car insurance prices for a Hyundai Santa Cruz are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age
The state you live in makes a big difference in Hyundai Santa Cruz insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,950 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could save up to $590 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than average. View High Risk Driver Rates
| 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 Find Affordable Hyundai Santa Cruz Insurance
Getting lower rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at least every other year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a brief review of the car insurance concepts covered above.
- Drivers with DUI or reckless driving convictions may pay on average $1,680 more every year than a low-risk driver
- It is possible to save up to $170 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $575 each year
- Consumers who may need more liability protection will pay about $460 annually to go from a low limit to 250/500 limits
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
