Hyundai Santa Cruz Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Hyundai Santa Cruz are $1,454 every 12 months for full coverage. Comprehensive insurance costs approximately $332 each year, collision insurance costs $566, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, and coverage for high-risk drivers costs $3,136 or more. 16-year-old drivers pay the highest rates at up to $5,348 a year.
Average premium for full coverage: $1,454
Price estimates by individual coverage:
Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Santa Cruz models.
Price Range from Low to High
For an average driver, Hyundai Santa Cruz insurance prices range from the cheapest price of $460 for the bare minimum liability coverage to a high rate of $3,136 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.
The ranges above show why all drivers should compare prices using their specific location and their own driving history, instead of using 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 Information
The chart below shows average 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 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,454
- Buying low deductibles for physical damage coverage costs an extra $394 every year
- Drivers with multiple tickets or accidents could pay around $3,136
- The price to insure a teen driver can cost $5,348 or more
Insurance prices for a Hyundai Santa Cruz are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Santa Cruz.
Opting for high physical damage deductibles could cut prices by as much as $600 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 131% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Hyundai Santa Cruz insurance prices. A driver around age 40 might see prices as low as $960 a year in states like Iowa, Maine, and Idaho, or at least $2,080 on average in New York, Louisiana, 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% |
| 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 Shop for the Best Hyundai Santa Cruz Insurance
Getting lower rates on car insurance requires being a low-risk driver, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief recap of the concepts that were covered in the above illustrations.
- Higher risk drivers who tend to receive serious violations may pay on average $1,680 more per year to insure their Santa Cruz
- Teen drivers are expensive to insure, with premiums as much as $446 a month if they have full coverage
- Drivers can save around $180 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $600 each year
- Drivers can save around $180 per year just by quoting online in advance
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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