Hyundai Santa Cruz Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

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.

Average insurance rates for a Hyundai Santa Cruz are $1,454 a year for full coverage insurance. Comprehensive costs an estimated $332, collision costs $566, and liability is estimated at $398. A liability-only policy costs approximately $460 a year, with high-risk insurance costing around $3,136. Teenage drivers receive the highest rates at $5,348 a year or more.

Average premium for full coverage: $1,454

Rate estimates broken down by individual coverage type:

Comprehensive $332
Collision $566
Liability $398

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Santa Cruz models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $460 for just liability insurance to the much higher price of $3,136 for a driver required to buy high-risk insurance.

Liability Only $460
Full Coverage $1,454
High Risk $3,136

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how where you live affects insurance prices.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

These examples illustrate why everyone should get quotes for a targeted area and risk profile, 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.

More Rate Details

The chart below illustrates estimated Hyundai Santa Cruz insurance rates for other coverage scenarios.

  • The best discount rate is $836
  • Choosing higher $1,000 deductibles can save approximately $204 each year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,454
  • Using pricier low deductibles for comp and collision coverage will increase the cost to $1,848
  • Higher-risk drivers who are prone to accidents and violations could pay up to $3,136 or more
  • The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,348 each year

View Chart as Image

Hyundai Santa Cruz insurance cost comparison chart
Column chart showing full coverage Hyundai Santa Cruz insurance rates range from $836 to $5,348

Insurance rates for a Hyundai Santa Cruz can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Hyundai Santa Cruz insurance prices. A good driver about age 40 could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.

Hyundai Santa Cruz Insurance Rates by State
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%

View Chart as Image

Hyundai Santa Cruz insurance rates by U.S. city

Using high physical damage deductibles can save as much as $600 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,300 extra per year, depending on your age. Hyundai Santa Cruz insurance for high-risk drivers ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

Hyundai Santa Cruz Insurance Rates by Model Year
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 Best Cheap Hyundai Santa Cruz Insurance

Saving money on insurance for a Hyundai Santa Cruz takes being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below is a quick review of the data touched on in the above illustrations.

  • Insureds who want higher levels of liability will pay an extra $440 annually to raise limits from a minimum limit to 250/500 limits
  • It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $600 each year
  • Teenage drivers are charged the highest rates, costing up to $446 per month for full coverage

Rates by Driver Age

Hyundai Santa Cruz Insurance 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

Hyundai Santa Cruz Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,848
$250 $1,666
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Santa Cruz Insurance Rates with Different Liability Limits
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

Hyundai Santa Cruz Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $836

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles