How much is insurance on a Hyundai Santa Cruz?

Priced for the 2024 Santa Cruz AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Santa Cruz's rank is the same in every state.

Why the Hyundai Santa Cruz costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Hyundai Santa Cruz crew cab pickup 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 97 for crash repairs, 91 for non-crash damage, 99 for damage to others' property, and 90 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage3% better than averageworst of the 9 small pickups we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage9% better than averageworst of the 8 small pickups we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage1% better than average4th best of the 8 small pickups we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 10% less often than average2nd best of the 5 small pickups we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Santa Cruz comes out about 5% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 2% less than average: about $930 a year vs $950. On the liability side, damage to others and injury claims combine to about 6% better than average. We count about half, so that part is about 3% less: $960 a year vs $990.

How the math works

In EPA size classes, the Santa Cruz is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Hyundai Santa Cruz is benchmarked against small pickups.

Matched to HLDI series “Hyundai Santa Cruz crew cab pickup 4WD” (HLDI, 2022–24 models).

A used Hyundai Santa Cruz, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Santa Cruz AWD (0–3 years old)	about $1,890	about $960	+$1,250	about $5,430
2022 Santa Cruz AWD (4–7 years old)	about $1,780	about $960	+$1,180	about $5,110

Our catalog covers the Hyundai Santa Cruz across model years 2022–2027. Full coverage on a used 2022 Santa Cruz (4–7 years old) runs about $1,780 a year, $110 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $960 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Hyundai Santa Cruz trims, full coverage goes from about $1,890 a year on the Santa Cruz AWD to about $1,970 on the Santa Cruz FWD, because HLDI's loss results differ by body, drive, or powertrain.

• Santa Cruz AWD: about $1,890
• Santa Cruz FWD: about $1,970

On a policy of their own with a 2024 Hyundai Santa Cruz, a 22–25-year-old pays about $2,460 a year ($570 more than a 45-year-old), a 26–39-year-old about $2,100, and a driver 65 and older about $1,990.

Adding a 16-year-old with a Hyundai Santa Cruz

Adding a new 16-year-old who drives the Hyundai Santa Cruz raises the family bill by about $1,250 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,430 a year, so keeping them on the family policy saves about $4,180 a year.

For adding a teen driver, the Hyundai Santa Cruz ranks 56th cheapest out of all 121 models we track. Stepping down to a used 2022 Santa Cruz (4–7 years old) brings the teen add-on to about $1,180 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small pickups

Among these 9 small pickups, the Hyundai Santa Cruz is the 3rd most expensive to insure. Right next to it are the Chevrolet Colorado (about $1,870 a year) and the GMC Canyon (about $1,920).

• 2024 Toyota Tacomaabout $1,850 (about the same)
• 2024 Ford Rangerabout $1,860 (about the same)
• 2024 Nissan Frontierabout $1,870 (about the same)
• 2024 Chevrolet Coloradoabout $1,870 (about the same)
• 2024 Hyundai Santa Cruzabout $1,890 (this car)
• 2024 GMC Canyonabout $1,920 (about the same)
• 2024 Jeep Gladiatorabout $2,020 ($130 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Hyundai Santa Cruz costs in your state

In six sample states, a 2024 Hyundai Santa Cruz runs from about $1,260 a year in Vermont through Kansas, Alabama, California and New Jersey to about $2,490 in New York:

• Vermontabout $1,260/yr · +$830 teen
• Kansasabout $1,550/yr · +$1,030 teen
• Alabamaabout $1,670/yr · +$1,100 teen
• Californiaabout $1,870/yr · +$1,230 teen
• New Jerseyabout $2,230/yr · +$1,470 teen
• New Yorkabout $2,490/yr · +$1,650 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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