Hyundai Santa Cruz Insurance Cost for 2023

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.

Start a Free QuoteCompare Hyundai Santa Cruz insurance quotes and save on your next policy.

  • Car insurance rates for a Hyundai Santa Cruz average $1,640 per year or around $137 per month, but can vary significantly based on the trim level.
  • The Santa Cruz SE trim level is the cheapest to insure at around $1,510 per year. The most expensive trim is the Limited at $1,736 per year.

How much does Hyundai Santa Cruz insurance cost?

Insurance for a Hyundai Santa Cruz averages $1,640 per year for full coverage. With MSRP on the compact pickup ranging from $25,450 to $40,320 for the 2023 model, monthly insurance rates range from $126 to $145.

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 29, 2022
Hyundai Santa Cruz Insurance Cost Summary
2023 Hyundai Santa Cruz Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,712$309
Safe Driver Age 20$3,254$271
At-fault Accidents Age 40$2,316$193
Low Deductibles Age 40$2,110$176
Safe Driver Age 30$1,722$144
Safe Driver Age 40$1,640$137
Safe Driver Age 50$1,494$125
Safe Driver Age 60$1,464$122
High Deductibles Age 40$1,396$116
Discount Rate Age 40$1,360$113

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 2023 model. As with most vehicles, higher trim levels generally cost more to insure.

2023 Hyundai Santa Cruz Insurance Cost by Trim Level
Hyundai Santa Cruz Trim Level Annual Policy Six-Month Policy Per Month
SE$1,510$755$126
SEL$1,562$781$130
Night$1,690$845$141
SEL Premium$1,704$852$142
Limited$1,736$868$145

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Hyundai Santa Cruz, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Hyundai Santa Cruz Insurance Cost by Trim Level

Is Hyundai Santa Cruz insurance expensive?

The Hyundai Santa Cruz ranks seventh out of 10 other 2023 model year compact and midsize pickups. The Santa Cruz costs an estimated $1,640 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 $26 more per year than the Toyota Tacoma, $170 more than the Chevrolet Colorado, and $176 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 2023 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Hyundai Santa Cruz, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Hyundai Santa Cruz trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Hyundai Santa Cruz Insurance Cost vs Compact and Midsize Pickups
Hyundai Santa Cruz Insurance Cost Compared to All Midsize Trucks
Rank Make/Model Insurance Cost Difference
1Ford Maverick$1,464-$176
2Chevrolet Colorado$1,470-$170
3Nissan Frontier$1,522-$118
4Ford Ranger$1,566-$74
5GMC Canyon$1,602-$38
6Toyota Tacoma$1,614-$26
7Hyundai Santa Cruz$1,640--
8Honda Ridgeline$1,752$112
9Jeep Gladiator$1,834$194
10Rivian R1T$2,194$554