Hyundai Santa Cruz Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Hyundai Santa Cruz are $1,454 a year including full coverage. Comprehensive insurance costs on average $332 a year, collision costs $566, and liability insurance costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing $3,136 or more. 16-year-old drivers receive the highest rates at $5,348 a year or more.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

Comprehensive $332
Collision $566
Liability $398

Full coverage includes $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Santa Cruz trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the low end price of $460 for minimum levels of liability insurance to a high of $3,136 for high-risk insurance.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

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

These examples highlight why it is important to compare rates based on a specific location, rather than relying on 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 Details

The chart below breaks down estimated Hyundai Santa Cruz insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $836
  • Drivers who choose higher $1,000 deductibles will pay around $1,250 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,454
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $394 a year
  • High risk drivers with multiple tickets or accidents could pay upwards of $3,136 or more
  • The cost that insures a teen driver may cost $5,348 a year

View Chart as Image

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

Insurance rates for a Hyundai Santa Cruz can also vary considerably based on the trim level of your Santa Cruz, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,300 a year. View Rates by Age

Where you live makes a big difference in Hyundai Santa Cruz insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,080 on average in Michigan, New York, and Louisiana.

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

Opting for high physical damage deductibles could save up to $600 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so the rates can be significantly different.

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 More Affordable Hyundai Santa Cruz Insurance

Saving money on Hyundai Santa Cruz insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop every couple of years by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a summary of the material that was covered in the charts and tables above.

  • Drivers who require higher liability limits will pay around $440 per year to go from a minimum limit to the 250/500 level
  • Teens pay the highest rates, as much as $446 per month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,680 more each year for Santa Cruz insurance
  • Increasing deductibles can save approximately $600 each year

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.

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