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 $1,454 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:
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.
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.
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
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.
| 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% |
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.
| 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
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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