Hyundai Santa Cruz Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Hyundai Santa Cruz are $1,464 every 12 months including full coverage. Comprehensive costs approximately $346, collision insurance costs $570, and liability is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs around $3,152. Teenage drivers cost the most to insure at up to $5,346 a year.
Average premium for full coverage: $1,464
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Santa Cruz models.
Price Range Variability
For a driver around age 40, Hyundai Santa Cruz insurance rates range from the cheapest price of $452 for the bare minimum liability coverage to the much higher price of $3,152 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above highlight why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.
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 Information
The chart below breaks down average Hyundai Santa Cruz insurance rates for additional coverage and risk scenarios.
- The best discount rate is $844
- Choosing higher $1,000 deductibles can save $208 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,464
- Using pricier low deductibles for comp and collision coverage increases the price to $1,868
- Higher-risk drivers who are prone to accidents and violations could pay around $3,152
- Policy cost to insure a 16-year-old driver for full coverage can cost $5,346 each year
Car insurance rates for a Hyundai Santa Cruz also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Santa Cruz.
Using high physical damage deductibles can save as much as $620 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Hyundai Santa Cruz insurance for high-risk drivers ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Hyundai Santa Cruz insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,090 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,324 | -$140 | -9.6% |
| Alaska | $1,124 | -$340 | -23.2% |
| Arizona | $1,216 | -$248 | -16.9% |
| Arkansas | $1,464 | -$0 | 0.0% |
| California | $1,668 | $204 | 13.9% |
| Colorado | $1,400 | -$64 | -4.4% |
| Connecticut | $1,506 | $42 | 2.9% |
| Delaware | $1,660 | $196 | 13.4% |
| Florida | $1,834 | $370 | 25.3% |
| Georgia | $1,354 | -$110 | -7.5% |
| Hawaii | $1,052 | -$412 | -28.1% |
| Idaho | $990 | -$474 | -32.4% |
| Illinois | $1,092 | -$372 | -25.4% |
| Indiana | $1,102 | -$362 | -24.7% |
| Iowa | $990 | -$474 | -32.4% |
| Kansas | $1,392 | -$72 | -4.9% |
| Kentucky | $1,998 | $534 | 36.5% |
| Louisiana | $2,170 | $706 | 48.2% |
| Maine | $904 | -$560 | -38.3% |
| Maryland | $1,210 | -$254 | -17.3% |
| Massachusetts | $1,172 | -$292 | -19.9% |
| Michigan | $2,546 | $1,082 | 73.9% |
| Minnesota | $1,226 | -$238 | -16.3% |
| Mississippi | $1,754 | $290 | 19.8% |
| Missouri | $1,298 | -$166 | -11.3% |
| Montana | $1,574 | $110 | 7.5% |
| Nebraska | $1,156 | -$308 | -21.0% |
| Nevada | $1,756 | $292 | 19.9% |
| New Hampshire | $1,056 | -$408 | -27.9% |
| New Jersey | $1,638 | $174 | 11.9% |
| New Mexico | $1,298 | -$166 | -11.3% |
| New York | $1,544 | $80 | 5.5% |
| North Carolina | $844 | -$620 | -42.3% |
| North Dakota | $1,202 | -$262 | -17.9% |
| Ohio | $1,012 | -$452 | -30.9% |
| Oklahoma | $1,504 | $40 | 2.7% |
| Oregon | $1,342 | -$122 | -8.3% |
| Pennsylvania | $1,398 | -$66 | -4.5% |
| Rhode Island | $1,956 | $492 | 33.6% |
| South Carolina | $1,330 | -$134 | -9.2% |
| South Dakota | $1,236 | -$228 | -15.6% |
| Tennessee | $1,284 | -$180 | -12.3% |
| Texas | $1,766 | $302 | 20.6% |
| Utah | $1,084 | -$380 | -26.0% |
| Vermont | $1,002 | -$462 | -31.6% |
| Virginia | $878 | -$586 | -40.0% |
| Washington | $1,130 | -$334 | -22.8% |
| West Virginia | $1,344 | -$120 | -8.2% |
| Wisconsin | $1,016 | -$448 | -30.6% |
| Wyoming | $1,306 | -$158 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Cruz | $362 | $594 | $372 | $1,486 |
| 2023 Hyundai Santa Cruz | $346 | $570 | $390 | $1,464 |
| 2022 Hyundai Santa Cruz | $332 | $566 | $398 | $1,454 |
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 Shop for Affordable Hyundai Santa Cruz Insurance
Finding cheaper rates on insurance for a Hyundai Santa Cruz takes avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a brief review of the data covered above.
- Insureds who purchase higher liability limits will pay an extra $430 per year to raise limits from a 30/60 limit to a 250/500 level
- You may be able to save around $180 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $600 each year
- Teenagers pay the highest auto insurance rates, with premiums being up to $446 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,346 |
| 20 | $3,350 |
| 30 | $1,532 |
| 40 | $1,464 |
| 50 | $1,336 |
| 60 | $1,310 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,868 |
| $250 | $1,682 |
| $500 | $1,464 |
| $1,000 | $1,256 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,464 |
| 50/100 | $1,542 |
| 100/300 | $1,640 |
| 250/500 | $1,893 |
| 100 CSL | $1,581 |
| 300 CSL | $1,796 |
| 500 CSL | $1,952 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,634 |
| 20 | $5,324 |
| 30 | $3,224 |
| 40 | $3,152 |
| 50 | $3,002 |
| 60 | $2,976 |
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 | $108 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $620 |
Discounts are estimated and may not be available from every company or in every state.
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