Hyundai Santa Cruz Insurance Costs for 2025: What You Need to Know
Does a Hyundai Santa Cruz have expensive car insurance rates?
We investigated the average cost from the cheapest SE trim up to the Limited model to find out how insurance for a Santa Cruz ranks against competing midsize trucks.
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Car insurance rates for a Hyundai Santa Cruz average $2,420 per year or around $202 per month, but can vary significantly based on the trim level.
The Santa Cruz SE trim level is the cheapest to insure at around $2,216 per year. The most expensive trim is the Limited at $2,554 per year.
How much does Hyundai Santa Cruz insurance cost?
Insurance for a Hyundai Santa Cruz averages $2,420 per year for full coverage. With MSRP on the compact pickup ranging from $26,650 to $41,070 for the 2024 model, monthly insurance rates range from $185 to $213.
There are many factors that can impact the price you pay to insure a Santa Cruz, such as driver age, driving record, policy limits, and more. The price summary chart below takes some of these factors and applies them to the average rate to show how much rates can vary.
Figure 1: Average 2024 Hyundai Santa Cruz insurance premiums for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Hyundai Santa Cruz with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Hyundai Santa Cruz trim levels.
2024 Hyundai Santa Cruz Insurance Cost Summary
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,568
$464
Safe Driver Age 20
$4,872
$406
At-fault Accidents Age 40
$3,432
$286
Low Deductibles Age 40
$3,160
$263
Safe Driver Age 30
$2,582
$215
Safe Driver Age 40
$2,420
$202
Safe Driver Age 50
$2,146
$179
High Deductibles Age 40
$2,040
$170
Discount Rate Age 40
$2,010
$168
Safe Driver Age 60
$2,008
$167
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Hyundai Santa Cruz trim levels. Updated October 24, 2025
The exact model of Santa Cruz you’re insuring also has an impact on car insurance cost. The next table shows average insurance rates for each Hyundai Santa Cruz package and trim available for the 2024 model. As with most vehicles, higher trim levels generally cost more to insure.
2024 Hyundai Santa Cruz Insurance Rates by Trim Level
2024 Hyundai Santa Cruz Trim Level
Annual Premium
Cost Per Month
SE
$2,216
$185
SEL
$2,302
$192
Night
$2,502
$209
XRT
$2,532
$211
Limited
$2,554
$213
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. Updated October 24, 2025
Insurance cost by trim level for a 2024 Hyundai Santa Cruz ranging from the SE model at $2,216 per year to the Limited model at $2,554
Is Hyundai Santa Cruz insurance expensive?
The Hyundai Santa Cruz ranks sixth out of 10 other 2024 model year compact and midsize pickups. The Santa Cruz costs an estimated $2,420 per year for a full coverage policy, right around the average cost for the segment.
The Santa Cruz was introduced new in 2022, and it’s one of only a couple vehicles that are classified as compact pickups, the Ford Maverick being the other. For our comparison, we include midsize pickups along with the Santa Cruz and the Maverick to give a better view of how insurance prices stack up.
When Hyundai Santa Cruz insurance rates are compared to other compact and midsize pickups, it costs $8 less per year than the Toyota Tacoma, $306 more than the Chevrolet Colorado, and $92 more than the Ford Maverick.
The chart below shows how average Santa Cruz car insurance cost compares to the all other compact and midsize pickups available for the 2024 model year.
Figure 2: Average 2024 Hyundai Santa Cruz car insurance premium compared to other midsize truck models. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Hyundai Santa Cruz. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Hyundai Santa Cruz trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.
Hyundai Santa Cruz Insurance Cost Compared to All Midsize Trucks
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 vehicle from the 2024 model year. Updated October 24, 2025
