Hyundai Santa Cruz Insurance Rates

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Lower Your 2022 Hyundai Santa Cruz Car Insurance Quotes in 2025

Want better insurance coverage rates for your Hyundai Santa Cruz? Locating discount insurance coverage may be somewhat intimidating for people not familiar with buying their insurance coverage online. Because there are so many companies in the marketplace, how can you have the ability to compare all the different companies and get lower insurance coverage premiums? Finding affordable coverage is ...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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 approximately $332, collision costs $566, and liability insurance costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers 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

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Santa Cruz trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the low end price of $460 for minimum levels of liability insurance to a much higher rate of $3,136 for a driver who has had serious violations or accidents.

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

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how your location can change auto insurance prices.

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

These examples highlight why anyone shopping for car insurance should compare prices using their 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 additional coverage and risk scenarios.

  • The best full coverage rate is $836
  • Using higher $1,000 deductibles will save $204 every year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,454
  • Buying more expensive low deductibles for physical damage coverage will cost an additional $394 a year
  • Drivers with multiple tickets or accidents could pay around $3,136 or more
  • The cost that insures a teen driver with full coverage can cost $5,348 or more

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

Auto insurance rates for a Hyundai Santa Cruz can also vary considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live has a huge impact on Hyundai Santa Cruz insurance rates. A driver around age 40 might see rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,080 on average in Louisiana, 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

Opting for high physical damage deductibles could cut rates by as much as $600 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted 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 Affordable Hyundai Santa Cruz Insurance

Saving money on Hyundai Santa Cruz insurance requires having a decent driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop every other policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following items are a brief review of the ideas that were illustrated above.

  • 16 to 18-year-old drivers have the highest car insurance rates, as much as $446 per month if the policy includes full coverage
  • High-risk drivers with DUI or reckless driving convictions will likely pay on average $1,680 more per year than a driver with a clean driving record
  • Increasing deductibles can save approximately $600 each year
  • You may be able to save around $180 per year simply by shopping early and online

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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