Hyundai Santa Cruz Insurance Rates

Average insurance prices for a Hyundai Santa Cruz are $1,464 every 12 months including full coverage. Comprehensive costs an estimated $346 a year, collision insurance costs $570, and liability is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs around $3,152. Teen drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,464

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Santa Cruz trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.

These examples highlight why it is important to get quotes for a targeted area and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down average Hyundai Santa Cruz insurance rates for other coverage scenarios.

• The lowest rate with discounts is $844
• Choosing higher $1,000 deductibles can save approximately $1,256 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,464
• Choosing low $100 deductibles for comp and collision coverage increases the price to $1,868
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,152
• The cost to insure a teen driver can cost as much as $5,346 each year

View Chart as Image

Insurance rates for a Hyundai Santa Cruz can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can save as much as $620 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Hyundai Santa Cruz insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,090 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Best Hyundai Santa Cruz Insurance

Saving money on car insurance takes avoiding accidents and violations, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a brief recap of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers who tend to receive serious violations may have to pay on average $1,690 more annually for car insurance
• You may be able to save approximately $180 per year just by quoting early and online
• Increasing deductibles could save as much as $600 each year
• Policyholders who want higher liability limits will pay about $430 per year to raise limits from a minimum limit to a 250/500 level