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 ...

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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 prices for a Hyundai Santa Cruz are $1,454 every 12 months for full coverage. Comprehensive insurance costs approximately $332, 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. Teen drivers receive the highest rates at up to $5,348 a year.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

Comprehensive $332
Collision $566
Liability $398

Includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Santa Cruz trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the cheapest price of $460 for just liability insurance to a much higher rate of $3,136 for a driver that may need high-risk insurance.

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

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance prices.

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

These examples show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using price 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.

More Rate Details

The chart below shows average Hyundai Santa Cruz insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $836
  • Using higher $1,000 deductibles will save $204 a year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,454
  • Choosing more expensive low deductibles for physical damage coverage costs an extra $394 every year
  • Drivers with multiple violations and an at-fault accident could pay around $3,136
  • The cost to insure 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 Hyundai Santa Cruz insurance prices range from $836 to $5,348 for full coverage

Insurance rates for a Hyundai Santa Cruz can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Santa Cruz.

Choosing high deductibles could cut rates by as much as $600 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance can be as much as 43% to 131% more than average. View High Risk Driver Rates

Where you live has a huge impact on Hyundai Santa Cruz insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Iowa, Maine, and Idaho, or as much as $2,080 on average in New York, Louisiana, 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
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 Shop for the Cheapest Hyundai Santa Cruz Insurance

Saving money on car insurance requires being a good driver, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to comparison shop once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the data that was touched on in the above illustrations.

  • Drivers can save around $180 per year just by shopping early and online
  • Policyholders who purchase an increased level of liability coverage will pay about $440 each year to increase from a minimum limit to a 250/500 level
  • Drivers age 16 to 20 are the costliest to insure, costing as high as $446 per month if full coverage is included
  • Higher risk drivers that have major violations or accidents may pay on average $1,680 more per year than a safer driver

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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