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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Hyundai Santa Cruz are $1,454 a year with full coverage. Comprehensive insurance costs approximately $332 a year, collision costs $566, and liability coverage is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing $3,136 or more. 16-year-old drivers pay the highest rates at $5,348 a year or more.
Average premium for full coverage: $1,454
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Santa Cruz trim levels.
Price Range from Low to High
For the average 40-year-old driver, Hyundai Santa Cruz insurance prices go from the low end price of $460 for minimum levels of liability insurance to a high of $3,136 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above demonstrate why it is important to get quotes using their specific location, rather than 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 Details
The chart below details estimated Hyundai Santa Cruz insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $836
- Choosing higher $1,000 deductibles can save $1,250 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,454
- Buying low $100 deductibles for comp and collision coverage will cost an additional $394 each year
- Drivers with multiple tickets or accidents could pay around $3,136 or more
- The price that insures a teenage driver can cost $5,348 each year
Insurance prices for a Hyundai Santa Cruz are also quite variable based on the trim level of your Santa Cruz, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
The state you live in plays a big part in determining prices for Hyundai Santa Cruz insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or at least $1,970 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can save as much as $600 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, and prices may be quite different.
| 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 Cheaper Hyundai Santa Cruz Insurance
Getting lower rates on auto insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every year by getting quotes from direct companies, and also from local insurance agencies.
The following list is a condensed summary of the coverage data touched on in this article.
- You may be able to save around $180 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $600 each year
- Drivers age 16 to 20 are the costliest to insure, costing up to $446 a month if comprehensive and collision insurance is included
- Drivers with multiple at-fault accidents may have to pay on average $1,680 more per year than a safer driver
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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