Hyundai Santa Cruz Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Hyundai Santa Cruz are $1,446 a year including full coverage. Comprehensive costs on average $320, collision insurance costs $552, and liability is estimated at $416. Liability-only coverage costs approximately $474 a year, and high-risk coverage costs around $3,126. 16-year-old drivers pay the highest rates at up to $5,362 a year.
Average premium for full coverage: $1,446
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Santa Cruz models.
Price Range from Low to High
For a driver in their 40's, Hyundai Santa Cruz insurance prices range from the low end price of $474 for just the minimum liability insurance to the much higher price of $3,126 for high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how location helps determine car insurance rates.
The ranges above highlight why everyone should get quotes based on a specific location, instead of using 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 Rate Analysis
The chart below breaks down average Hyundai Santa Cruz insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $834
- Choosing higher $1,000 deductibles can save around $196 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,446
- Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,832
- Unlucky drivers with multiple tickets or accidents could pay upwards of $3,126
- The price that insures a teen driver for full coverage may cost $5,362 each year
Auto insurance prices for a Hyundai Santa Cruz are also quite variable based on the model of your Santa Cruz, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. Hyundai Santa Cruz insurance for high-risk drivers ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age
The state you live in plays a big part in determining prices for Hyundai Santa Cruz insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,070 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can save as much as $590 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit
| 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 car insurance takes having a decent driving record, maintaining a good credit score, being claim-free, and deciding if full coverage is necessary. Comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The following items are a brief review of the material that was covered in the charts and tables above.
- Policyholders who require additional liability coverage will pay around $460 per year to raise limits from a low limit to the 250/500 level
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $447 a month if the policy includes full coverage
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,680 more each year than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $575 each year
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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