Hyundai Santa Cruz Insurance Rates

Average auto insurance rates for a Hyundai Santa Cruz are $1,446 annually including full coverage. Comprehensive costs around $320 each year, collision insurance costs $552, and liability costs $416. Buying just liability costs as little as $474 a year, and insurance for high-risk drivers costs around $3,126. Teenage drivers receive the highest rates at up to $5,362 a year.

Average premium for full coverage: $1,446

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Santa Cruz models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down average Hyundai Santa Cruz insurance rates for additional coverage choices and driver risks.

• The best discount rate is $834
• Drivers who choose higher $1,000 deductibles will pay about $196 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,446
• Using low deductibles for comprehensive and collision insurance will cost $1,832
• Drivers who are prone to accidents and violations could pay at least $3,126
• The cost with full coverage for a 16-year-old driver can be $5,362 a year

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $590 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Hyundai Santa Cruz insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,070 on average in Michigan, New York, and Louisiana.

How to Buy the Best Hyundai Santa Cruz Insurance

Saving money on insurance for a Hyundai Santa Cruz not only requires having a decent driving record, but also having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates at every policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a brief recap of the data covered in the above illustrations.

• Insureds who may need additional liability coverage will pay an extra $460 per year to go from a minimum limit to higher 250/500 limits
• You may be able to save up to $170 per year just by quoting online in advance
• Increasing deductibles could save up to $575 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $447 per month if full coverage is included