Hyundai Santa Cruz Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Hyundai Santa Cruz are $1,454 a year for full coverage insurance. Comprehensive costs an estimated $332 each year, collision costs $566, and liability costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing around $3,136. Teen drivers cost the most to insure at $5,348 a year or more.
Average premium for full coverage: $1,454
Policy rates broken down by type of insurance:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Santa Cruz models.
Price Range Variability
For the average 40-year-old driver, Hyundai Santa Cruz insurance rates go from as low as $460 for a discount liability-only rate to a high rate of $3,136 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.
The graphic below illustrates the difference location can make on insurance prices.
The examples above illustrate why all drivers should compare rates for a targeted area and risk profile, instead of 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.
Rates by State, City, and Model
The chart below illustrates estimated Hyundai Santa Cruz insurance rates for other coverage scenarios.
- The lowest rate with discounts is $836
- Drivers who choose higher $1,000 deductibles will pay approximately $204 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,454
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,848
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,136 or more
- Policy cost for full coverage for a teen driver can cost as much as $5,348 a year
Auto insurance rates for a Hyundai Santa Cruz also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $5,300 a year. View Rates by Age
Your home state makes a big difference in Hyundai Santa Cruz insurance prices. A 40-year-old driver could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,970 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $600 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 131% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and quoted rates will be varied from one company to the next.
| 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 Find the Right Hyundai Santa Cruz Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having good credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a quick rundown of the car insurance concepts touched on in this article.
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,680 more annually to insure a Hyundai Santa Cruz
- It is possible to save approximately $180 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $600 each year
- Policyholders who want increased liability limits will pay about $440 annually to go from a 30/60 limit to 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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