Cheap Hyundai Santa Cruz Car Insurance in 2025 (Big Savings With These 10 Companies!)
State Farm, USAA, and Progressive are our top providers of cheap Hyundai Santa Cruz car insurance, starting at just $38 per month. These insurers offer a variety of coverage options, ensuring reliable protection and peace of mind or reassurance tailored to their customers' driving needs.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Schimri Yoyo
Updated January 2025
18,155 reviewsCompany Facts
Min. Coverage for Hyundai Santa Cruz
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
6,589 reviewsCompany Facts
Min. Coverage for Hyundai Santa Cruz
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
13,283 reviewsCompany Facts
Min. Coverage for Hyundai Santa Cruz
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
State Farm is renowned for offering budget-friendly and cheap Hyundai Santa Cruz car insurance, featuring competitive rates that begin at only $38 per month for basic coverage.
In collaboration with USAA and Progressive, these insurers offer economical and inclusive car insurance policies focused on ensuring customer satisfaction and dependable coverage.
Our Top 10 Company Picks: Cheap Hyundai Santa Cruz Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $38 B New Vehicle State Farm
#2 $42 A++ Military Discounts USAA
#3 $48 A+ Snapshot Program Progressive
#4 $49 A+ SmartRide Program Nationwide
#5 $51 A+ Loyalty Discounts American Family
#6 $53 A+ Extensive Discounts Allstate
#7 $54 A Customizable Coverage Farmers
#8 $56 A++ Extensive Options Travelers
#9 $59 A Better Replacement Liberty Mutual
#10 $61 A Customer Satisfaction Amica
Commercial insurance is a necessary expense for any vehicle owner, and the cost can vary depending on various factors. If you’re considering purchasing a Hyundai Santa Cruz, it’s important to understand the factors that can affect car insurance rates for this particular model. Enter your ZIP code now to find and compare affordable rates.
#1 – State Farm: Top Overall Pick
Pros
- Strong Financial Stability: Known for its financial strength, which assures reliability in claims handling.
- Wide Network: Extensive network of agents and offices, providing convenient customer service. Follow us through our State Farm insurance review.
- Multiple Discount Opportunities: Offers various discounts that can further reduce premiums, such as multi-policy and safe driver discounts.
Cons
- Limited Online Presence: Some users may find their online service options less robust compared to newer digital-first insurers.
- Average Customer Satisfaction: While generally good, State Farm’s customer satisfaction ratings can vary regionally and by individual experience.
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#2 – USAA: Best for Military Discounts
Pros
- Exclusive to Military Members and Families: USAA offers specialized services tailored to military members and their families.
- High Customer Satisfaction: Known for excellent customer service and high satisfaction ratings.
- Competitive Rates: Offers competitive premiums alongside comprehensive coverage options. Read more through our USAA insurance review.
Cons
- Limited Membership: Only available to military members, veterans, and their families, which excludes the general public.
- Limited Physical Locations: While digital services are robust, physical branch locations may be limited in some areas.
#3 – Progressive: Best for Snapshot Program
Pros
- Innovative Programs: Progressive’s Snapshot program rewards safe driving habits with potential discounts. Read more through our Progressive insurance review.
- Strong Online Tools: Provides a user-friendly online platform for managing policies and claims.
- Variety of Discounts: Offers a wide range of discounts including multi-policy, continuous insurance, and good student discounts.
Cons
- Customer Service Variability: Some customers report mixed experiences with customer service quality.
- Potentially Higher Premiums for Certain Profiles: While generally competitive, premiums may be higher for drivers with certain risk profiles.
#4 – Nationwide: Best for SmartRide Program
Pros
- Strong Financial Stability: Known for its financial strength and stability, providing confidence in claims payment.
- Multiple Discount Opportunities: Offers discounts for safe drivers, multi-policy holders, and more.
- Good Customer Service: Generally receives positive feedback for customer service and claims handling. Learn more through our Nationwide insurance review.
Cons
- Higher Starting Premium: Starting premium is slightly higher compared to some competitors.
- Mixed Reviews on Claims Experience: While generally positive, some customers report variability in claims processing and communication.
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#5 – American Family: Best for Loyalty Discounts
Pros
- Loyalty Discounts: Offers discounts for long-term customers, encouraging loyalty.
- Personalized Service: Known for providing personalized service and local agent support.
- Community Involvement: Actively involved in community initiatives, fostering a positive brand image.
Cons
- Regional Availability: Availability may be limited to certain regions, affecting accessibility for some customers. Read more through our American Family insurance review.
- Price Competitiveness: Starting premium is slightly higher compared to some competitors, impacting cost-conscious consumers.
#6 – Allstate: Best for Extensive Discounts
Pros
- Strong Customer Support: Known for its responsive customer service and claims handling.
- Innovative Tools: Offers innovative tools like Drivewise, which rewards safe driving habits with discounts.
- Name Recognition: Allstate’s longstanding presence in the insurance industry provides reassurance to customers.
Cons
- Higher Premiums: Starting premium is higher compared to some competitors on this list.
- Policy Complexity: Some customers may find policy details and options complex to navigate without assistance. Read more through our Allstate insurance review.
#7 – Farmers: Best for Customizable Coverage
Pros
- Strong Customer Service: Farmers is known for its responsive customer service and claims handling. Learn more through our Farmers insurance review.
- Discount Opportunities: Provides discounts for safe drivers, multi-policy holders, and affinity group members.
- Educational Resources: Offers resources and tools to help customers understand insurance options and coverage.
Cons
- Higher Starting Premium: Starting premium is higher compared to some competitors listed.
- Policy Complexity: Some customers may find policy details and options complex to navigate without assistance.
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#8 – Travelers: Best for Extensive Options
Pros
- Strong Financial Rating: Highly rated for financial stability and claims-paying ability.
- Discount Opportunities: Provides various discounts such as multi-policy, safe driver, and continuous insurance discounts.
- Customizable Policies: Allows for customization of policies to fit individual preferences and budget.
Cons
- Higher Premiums: Starting premium is higher compared to several competitors. Learn more through our Travelers insurance review.
- Customer Service Ratings: While generally positive, some customers have reported issues with customer service responsiveness.
#9 – Liberty Mutual: Best for Better Replacement
Pros
- Additional Features and Benefits: Provides unique benefits like Better Car Replacement and Accident Forgiveness programs.
- Strong Financial Stability: Well-known for financial strength and stability, ensuring reliable claims processing.
- Multiple Discount Opportunities: Offers discounts for safe drivers, multi-policy holders, and those with certain affiliations.
Cons
- Higher Premiums: Starting premium is on the higher side compared to many competitors. Read more through our Liberty Mutual insurance review.
- Mixed Customer Satisfaction: While many customers are satisfied, some have reported issues with claims processing and communication.
#10 – Amica: Best for Customer Satisfaction
Pros
- High Customer Satisfaction: Known for excellent customer service and high satisfaction ratings.
- Discount Programs: Offers various discounts such as loyalty discounts and claims-free discounts.
- Transparent Policies: Known for transparent policies and straightforward pricing. Review more with our Amica insurance review.
Cons
- Higher Premiums: Starting premium is among the higher end compared to competitors.
- Membership Requirement: Requires membership to access insurance products, which may limit eligibility for some individuals.
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Understanding the Factors That Affect Hyundai Santa Cruz Car Insurance Rates
The Importance of Researching Car Insurance Options for Your Hyundai Santa Cruz
Comparing Car Insurance Quotes For The Hyundai Santa Cruz
When comparing car insurance quotes for the Hyundai Santa Cruz, focus on coverage details like deductibles, limits, and potential discounts such as safe driver and home and car insurance bundles.
Research insurer reputations for reliable service and efficient claims processing to ensure you get the best coverage at the right price.
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Factors That Make Hyundai Santa Cruz Car Insurance More Expensive
Frequently Asked Questions
What factors affect the cost of Hyundai Santa Cruz car insurance?
The cost of Hyundai Santa Cruz car insurance can be influenced by several factors, including the driver’s age, location, driving history, credit score, coverage limits, deductibles, and the insurance company’s pricing algorithms.
Are there any specific safety features of the Hyundai Santa Cruz that can lower insurance costs?
Yes, the Hyundai Santa Cruz comes equipped with several safety features that may help lower insurance costs. These features include advanced driver-assistance systems, such as forward collision warning, lane departure warning, and automatic emergency braking. Enter your ZIP code now to begin.
Do insurance rates vary depending on the model year of the Hyundai Santa Cruz?
How can I find the best insurance rates for a Hyundai Santa Cruz?
To find the best insurance rates for a Hyundai Santa Cruz, it is recommended to shop around and compare quotes from multiple insurance companies. Additionally, maintaining a good driving record, opting for higher deductibles, and bundling insurance policies can often lead to lower premiums.
Are there any discounts available for Hyundai Santa Cruz car insurance?
Yes, many insurance companies offer various discounts that can help reduce the cost of Hyundai Santa Cruz car insurance. Enter your ZIP code now to begin.
Which insurance provider offers the lowest starting premium for insuring a Hyundai Santa Cruz?
What innovative program does Progressive offer to encourage safe driving habits?
Progressive offers the Snapshot program, which rewards safe driving habits with potential discounts on insurance premiums.
How does USAA cater its services specifically to its customer base?
USAA caters its services specifically to military members, veterans, and their families, offering specialized insurance products and benefits tailored to their needs. Enter your ZIP code now to start.
What are some factors besides the driver’s profile that can affect Hyundai Santa Cruz car insurance rates?
How can consumers benefit from comparing quotes from multiple insurance companies?
Consumers can benefit from comparing quotes from multiple insurance companies by finding the best coverage options at competitive prices tailored to their specific needs and budget.
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