2023 Hyundai Santa Cruz Car Insurance Calculator

Discover how different factors impact the cost of car insurance for a 2023 Hyundai Santa Cruz. Change driving record, coverage levels, mileage driven, and vehicle usage plus many other factors. Instantly know the change in rates and learn exactly why they changed.

The average estimated car insurance premium for a 2023 Hyundai Santa Cruz is $2,116 per year, or about $176 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,116

Cost Per Month

$176

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Hyundai Santa Cruz Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2023 Hyundai Santa Cruz.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,116
Average Rate
Your Rate
$2,116

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2023 Hyundai Santa Cruz trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2023 Hyundai Santa Cruz is $2,116.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2023 Hyundai Santa Cruz Segment Comparison

The table below compares insurance rates for the 2023 Hyundai Santa Cruz against all other models in the midsize truck segment. The Hyundai Santa Cruz is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Hyundai Santa Cruz, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Hyundai Santa Cruz.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Hyundai Santa Cruz Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Maverick$1,886-$230
2Chevrolet Colorado$1,896-$220
3Nissan Frontier$1,964-$152
4Ford Ranger$2,018-$98
5GMC Canyon$2,066-$50
6Toyota Tacoma$2,078-$38
7Hyundai Santa Cruz$2,116--
2023 Midsize Truck Average$2,149$33
8Honda Ridgeline$2,260$144
9Jeep Gladiator$2,366$250
10Rivian R1T$2,836$720

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2023 Santa Cruz Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Hyundai Santa Cruz.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2023 Hyundai Santa Cruz Insurance Rates by Trim Level
2023 Hyundai Santa Cruz Trim Level Annual Premium Cost Per Month
SE$1,946$162
SEL$2,014$168
Night$2,178$182
SEL Premium$2,200$183
Limited$2,240$187

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2023 Hyundai Santa Cruz for different driver ages.

2023 Hyundai Santa Cruz Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,603$634
17$7,337$611
18$6,520$543
19$5,960$497
20$4,551$379
21$4,344$362
22$3,882$324
23$3,207$267
24$3,024$252
25$2,454$205
30$2,248$187
35$2,176$181
40$2,116$176
45$1,980$165
50$1,878$157
55$1,754$146
60$1,758$147
65$1,870$156
70$2,034$170
75$2,404$200
80$2,964$247

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Hyundai Santa Cruz trim levels.