Things to consider when insuring one
Fire-risk recall: park it outside until it’s fixed
NHTSA advises parking affected cars outside and away from buildings. A fire in an attached garage can become a home insurance claim as well as an auto one, so get the repair done first.
Owners reported 3 fires to NHTSA
Not every complaint is confirmed, but several fire reports are worth asking a mechanic about, and worth checking against open recalls.
5-star overall crash rating
NHTSA’s top crash rating. Crash protection affects injury claims, which make up a large share of what auto insurance pays out.
Driver-assist sensors come standard
They can help avoid crashes, but a windshield or bumper repair often needs the cameras and radar recalibrated, which costs more. Check what your comprehensive and collision deductibles would mean for a glass claim.
Most owner complaints are about the power train
25 of 79 complaints to NHTSA mention it. Worth a look in a pre-purchase inspection.
2 recalls
- Park outsideNHTSA 23V181000 · Mar 17, 2023
trailer hitches
Hyundai Motor America (Hyundai) is recalling certain 2019-2023 Santa Fe, 2021-2023 Santa Fe HEV, 2022-2023 Santa Fe Plug-in HEV and Santa Cruz vehicles potentially equipped with a tow hitch harness installed as original equipment, or purchased as an accessory through a Hyundai dealership. Water accumulation on the tow hitch harness module printed circuit board (PCB) may cause an electrical short, which can result in a fire.
- The risk
- A fire while parked or driving can increase the risk of injury.
- The fix
- Owners are advised to park their vehicles outside and away from structures until the remedy is completed. Dealers will install a new fuse and wire extension kit as necessary, free of charge. Owner notification letters were mailed starting May 16, 2023. Owners may contact Hyundai customer service at 1-855-371-9460. Hyundai's number for this recall is 244. This recall is an expansion of previous recall number 22V-633.
- NHTSA 23V038000 · Jan 31, 2023
structure: body: roof and pillars
Hyundai Motor America (Hyundai) is recalling certain 2022 Tucson and 2022-2023 Santa Cruz vehicles. The roof moldings may detach.
- The risk
- A detached roof molding could become a road hazard, increasing the risk of a crash.
- The fix
- Dealers will inspect and replace, or secure the roof moldings, as necessary, free of charge. Owner notification letters were mailed March 30, 2023. Owners may contact Hyundai customer service at 1-855-371-9460. Hyundai's number for this recall is 241.
Crash test ratings
2023 Hyundai Santa Cruz PU/CC AWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 16%
2023 Hyundai Santa Cruz PU/CC FWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 16%
What owners report
79 complaints to NHTSA, 2 involving a crash, 3 a fire, 1 injury.
- Power train25
- Engine20
- Electrical system14
- Unknown or other10
- Forward collision avoidance6
- Fuel/propulsion system6
- Vehicle speed control6
- Service brakes5
Insuring a 2023 Hyundai Santa Cruz?
An independent broker compares several insurers for you and can explain what matters for this car. Find one who writes auto where you live.
Other 2023 Hyundai models
Recalls, crash ratings and owner complaints are from the National Highway Traffic Safety Administration (NHTSA), last checked Oct 30, 2026. Complaints are owners’ reports and aren’t verified by NHTSA. This page is general information, not advice about a specific vehicle or policy.