Hyundai Santa Cruz Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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U.S. average auto insurance rates for a Hyundai Santa Cruz are $1,454 annually with full coverage. Comprehensive insurance costs around $332, collision costs $566, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage 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 for individual coverage:

Comprehensive $332
Collision $566
Liability $398

Rates are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Santa Cruz trim levels.

Price Range from Low to High

For the average driver, Hyundai Santa Cruz insurance prices go from as cheap as $460 for basic liability insurance to a much higher rate of $3,136 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than congested cities.

The price range example below illustrates how location impacts auto insurance rates.

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

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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.

Rate Comparisons

The chart below details estimated Hyundai Santa Cruz insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $836
  • Choosing higher $1,000 deductibles can save about $204 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,454
  • Buying more expensive low deductibles for comp and collision coverage costs an additional $394 annually
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,136 or more
  • The price with full coverage for a 16-year-old driver with full coverage can be $5,348 each year

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

Insurance prices for a Hyundai Santa Cruz are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $600 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Hyundai Santa Cruz insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or at least $1,970 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out your exact price is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different between companies.

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 Buy the Best Cheap Hyundai Santa Cruz Insurance

Getting lower rates on insurance for a Hyundai Santa Cruz takes having a good driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a quick review of the data touched on above.

  • Insureds who may need increased levels of liability coverage will pay around $440 every year to raise limits from a low limit to higher 250/500 limits
  • You may be able to save up to $180 per year simply by shopping early and online
  • Increasing physical damage deductibles could save up to $600 each year
  • Drivers age 20 and younger pay higher prices, costing up to $446 a month including comprehensive and collision insurance

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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