Hyundai Santa Cruz Insurance Rates
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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...
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UPDATED: Mar 28, 2024
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Average insurance rates for a Hyundai Santa Cruz are $1,446 a year including full coverage. Comprehensive costs an estimated $320 a year, collision insurance costs $552, and liability is $416. A liability-only policy costs around $474 a year, and high-risk insurance costs around $3,126. Teen drivers receive the highest rates at up to $5,362 a year.
Average premium for full coverage: $1,446
Rate estimates broken down by individual coverage type:
Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Santa Cruz trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as low as $474 for basic liability insurance to a high of $3,126 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.
These examples highlight why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on 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.
Rate Comparisons
The chart below breaks down average Hyundai Santa Cruz insurance rates for other coverage scenarios.
- The lowest rate with discounts is $834
- Raising to $1,000 deductibles will save approximately $1,250 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,446
- Choosing low $100 deductibles will increase the cost to $1,832
- Drivers with multiple violations and an at-fault accident could pay up to $3,126
- The cost for full coverage for a 16-year-old driver can cost as much as $5,362
Insurance rates for a Hyundai Santa Cruz can also vary considerably based on your driver profile, the model of your Santa Cruz, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age
Where you live also has a big influence on Hyundai Santa Cruz insurance prices. A middle-age driver might find rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,070 on average in Louisiana, New York, and Michigan.
| 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 can reduce rates by up to $590 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 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 the Best Cheap Hyundai Santa Cruz Insurance
Saving money on insurance for a Hyundai Santa Cruz consists of having a good driving record, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every time your policy renews by quoting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The next list is a quick review of the information raised in the charts and tables above.
- You may be able to save approximately $170 per year just by quoting early and online
- Drivers age 20 and younger are charged the highest rates, as much as $447 per month for full coverage
- Increasing deductibles can save around $575 each year
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,680 more annually to buy Hyundai Santa Cruz insurance
- Insureds who want increased levels of liability coverage will pay about $460 per year to raise from a minimum 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.
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