Hyundai Kona Insurance Rates

The average insurance prices for a Hyundai Kona are $1,186 every 12 months with full coverage. Comprehensive insurance costs around $240, collision insurance costs $446, and liability coverage costs $364. Liability-only coverage costs as little as $416 a year, and high-risk coverage costs $2,572 or more. Teenage drivers cost the most to insure at up to $4,466 a year.

Average premium for full coverage: $1,186

Policy rates for type of insurance:

Includes $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Kona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below details average Hyundai Kona insurance rates for additional coverage choices and driver risks.

• The best discount rate is $681
• Drivers who choose higher $1,000 deductibles will pay about $156 annually
• The average price for a good driver age 40 using $500 deductibles is $1,186
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $302 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,572
• Policy cost to insure a teenage driver with full coverage can be $4,466 a year

View Chart as Image

Insurance rates for a Hyundai Kona also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles could save up to $460 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can cost around 45% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,600 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Cheapest Hyundai Kona Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates once a year by getting quotes from direct companies, and also from several local insurance agents.

The following is a recap of the data that was touched on in this article.

• You may be able to save up to $140 per year just by shopping early and online
• Consumers who may need higher liability limits will pay an extra $400 every year to go from a 30/60 limit to a 250/500 level
• Teens are charged the highest rates, as much as $372 each month if full coverage is included
• Drivers that have major violations or accidents pay on average $1,390 more every year for Kona insurance