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 $1,446 a year for full coverage. Comprehensive costs on average $320, collision costs $552, and liability insurance is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing around $3,126. Teenage drivers pay the highest rates at $5,362 a year or more.
Average premium for full coverage: $1,446
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Santa Cruz models.
Price Range from Low to High
For a 40-year-old driver, Hyundai Santa Cruz insurance prices go from the low end price of $474 for the bare minimum liability coverage to the much higher price of $3,126 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities.
The example below illustrates how your location can change car insurance rates.
The ranges above show why everyone should compare rates quotes based on a specific location, rather than relying on average rates.
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 estimated Hyundai Santa Cruz insurance rates for different risk profiles and scenarios.
- The best discount rate is $834
- Raising to $1,000 deductibles will save around $196 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,446
- Using pricier low deductibles bumps up the cost to $1,832
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,126 or more
- The price that insures a teen driver for full coverage may cost $5,362
Auto insurance prices for a Hyundai Santa Cruz are also quite variable based on the model of your Santa Cruz, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. Hyundai Santa Cruz insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age
The state you live in also has a big influence on Hyundai Santa Cruz insurance rates. A middle-age driver might find prices as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,070 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,310 | -$136 | -9.4% |
| Alaska | $1,112 | -$334 | -23.1% |
| Arizona | $1,202 | -$244 | -16.9% |
| Arkansas | $1,446 | -$0 | 0.0% |
| California | $1,650 | $204 | 14.1% |
| Colorado | $1,384 | -$62 | -4.3% |
| Connecticut | $1,490 | $44 | 3.0% |
| Delaware | $1,638 | $192 | 13.3% |
| Florida | $1,810 | $364 | 25.2% |
| Georgia | $1,336 | -$110 | -7.6% |
| Hawaii | $1,038 | -$408 | -28.2% |
| Idaho | $980 | -$466 | -32.2% |
| Illinois | $1,078 | -$368 | -25.4% |
| Indiana | $1,090 | -$356 | -24.6% |
| Iowa | $978 | -$468 | -32.4% |
| Kansas | $1,376 | -$70 | -4.8% |
| Kentucky | $1,976 | $530 | 36.7% |
| Louisiana | $2,142 | $696 | 48.1% |
| Maine | $892 | -$554 | -38.3% |
| Maryland | $1,194 | -$252 | -17.4% |
| Massachusetts | $1,158 | -$288 | -19.9% |
| Michigan | $2,514 | $1,068 | 73.9% |
| Minnesota | $1,210 | -$236 | -16.3% |
| Mississippi | $1,734 | $288 | 19.9% |
| Missouri | $1,284 | -$162 | -11.2% |
| Montana | $1,556 | $110 | 7.6% |
| Nebraska | $1,142 | -$304 | -21.0% |
| Nevada | $1,734 | $288 | 19.9% |
| New Hampshire | $1,042 | -$404 | -27.9% |
| New Jersey | $1,618 | $172 | 11.9% |
| New Mexico | $1,282 | -$164 | -11.3% |
| New York | $1,526 | $80 | 5.5% |
| North Carolina | $834 | -$612 | -42.3% |
| North Dakota | $1,184 | -$262 | -18.1% |
| Ohio | $1,002 | -$444 | -30.7% |
| Oklahoma | $1,484 | $38 | 2.6% |
| Oregon | $1,326 | -$120 | -8.3% |
| Pennsylvania | $1,380 | -$66 | -4.6% |
| Rhode Island | $1,930 | $484 | 33.5% |
| South Carolina | $1,310 | -$136 | -9.4% |
| South Dakota | $1,222 | -$224 | -15.5% |
| Tennessee | $1,268 | -$178 | -12.3% |
| Texas | $1,746 | $300 | 20.7% |
| Utah | $1,072 | -$374 | -25.9% |
| Vermont | $992 | -$454 | -31.4% |
| Virginia | $868 | -$578 | -40.0% |
| Washington | $1,120 | -$326 | -22.5% |
| West Virginia | $1,326 | -$120 | -8.3% |
| Wisconsin | $1,002 | -$444 | -30.7% |
| Wyoming | $1,290 | -$156 | -10.8% |
Using high physical damage deductibles can reduce prices by up to $590 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Santa Cruz | $332 | $566 | $398 | $1,454 |
| 2023 Hyundai Santa Cruz | $320 | $552 | $416 | $1,446 |
| 2022 Hyundai Santa Cruz | $310 | $530 | $430 | $1,428 |
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 Low Cost Hyundai Santa Cruz Insurance
Getting lower rates on Hyundai Santa Cruz insurance consists of avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The list below is a review of the information illustrated above.
- Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
- Teenagers are charged the highest prices, with premiums as much as $447 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $575 each year
- High-risk drivers who have several accidents or serious violations may pay on average $1,680 more each year for car insurance
- Drivers who require higher liability limits will pay an extra $460 each year to raise from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,362 |
| 20 | $3,328 |
| 30 | $1,510 |
| 40 | $1,446 |
| 50 | $1,320 |
| 60 | $1,294 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,654 |
| $500 | $1,446 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,446 |
| 50/100 | $1,529 |
| 100/300 | $1,633 |
| 250/500 | $1,904 |
| 100 CSL | $1,571 |
| 300 CSL | $1,800 |
| 500 CSL | $1,966 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,652 |
| 20 | $5,294 |
| 30 | $3,196 |
| 40 | $3,126 |
| 50 | $2,982 |
| 60 | $2,954 |
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 | $77 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $103 |
| Total Discounts | $612 |
Discounts are estimated and may not be available from every company or in every state.
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