Hyundai Kona Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 26, 2024
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U.S. average insurance rates for a Hyundai Kona are $1,168 a year for full coverage. Comprehensive insurance costs an estimated $226 a year, collision insurance costs $430, and liability is $376. A policy with just liability insurance costs around $426 a year, and coverage for high-risk drivers costs $2,538 or more. Teens pay the highest rates at up to $4,438 a year.
Average premium for full coverage: $1,168
Price estimates broken down by individual coverage:
Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Kona trim levels.
Price Range from Low to High
For a driver around age 40, Hyundai Kona insurance prices range from as low as $426 for just liability coverage to a high of $2,538 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can have significant affects on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show why it is important to compare rates quotes for a targeted area and risk profile, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows average Hyundai Kona insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $672
- Raising to $1,000 deductibles will save approximately $1,020 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,168
- Selecting low $100 deductibles will cost an extra $292 every year
- At-risk drivers with serious driving violations could pay up to $2,538
- The price for full coverage for a teen driver can cost as much as $4,438
Insurance prices for a Hyundai Kona are also quite variable based on your driving record, the trim level of your Kona, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age
The state you live in also has a big influence on Hyundai Kona insurance prices. A middle-age driver might find prices as low as $770 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,670 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,056 | -$112 | -9.6% |
| Alaska | $896 | -$272 | -23.3% |
| Arizona | $970 | -$198 | -17.0% |
| Arkansas | $1,168 | -$0 | 0.0% |
| California | $1,330 | $162 | 13.9% |
| Colorado | $1,116 | -$52 | -4.5% |
| Connecticut | $1,198 | $30 | 2.6% |
| Delaware | $1,322 | $154 | 13.2% |
| Florida | $1,458 | $290 | 24.8% |
| Georgia | $1,080 | -$88 | -7.5% |
| Hawaii | $840 | -$328 | -28.1% |
| Idaho | $792 | -$376 | -32.2% |
| Illinois | $868 | -$300 | -25.7% |
| Indiana | $880 | -$288 | -24.7% |
| Iowa | $786 | -$382 | -32.7% |
| Kansas | $1,108 | -$60 | -5.1% |
| Kentucky | $1,592 | $424 | 36.3% |
| Louisiana | $1,728 | $560 | 47.9% |
| Maine | $722 | -$446 | -38.2% |
| Maryland | $964 | -$204 | -17.5% |
| Massachusetts | $930 | -$238 | -20.4% |
| Michigan | $2,028 | $860 | 73.6% |
| Minnesota | $978 | -$190 | -16.3% |
| Mississippi | $1,398 | $230 | 19.7% |
| Missouri | $1,036 | -$132 | -11.3% |
| Montana | $1,254 | $86 | 7.4% |
| Nebraska | $920 | -$248 | -21.2% |
| Nevada | $1,400 | $232 | 19.9% |
| New Hampshire | $842 | -$326 | -27.9% |
| New Jersey | $1,306 | $138 | 11.8% |
| New Mexico | $1,034 | -$134 | -11.5% |
| New York | $1,230 | $62 | 5.3% |
| North Carolina | $672 | -$496 | -42.5% |
| North Dakota | $958 | -$210 | -18.0% |
| Ohio | $806 | -$362 | -31.0% |
| Oklahoma | $1,198 | $30 | 2.6% |
| Oregon | $1,070 | -$98 | -8.4% |
| Pennsylvania | $1,112 | -$56 | -4.8% |
| Rhode Island | $1,558 | $390 | 33.4% |
| South Carolina | $1,058 | -$110 | -9.4% |
| South Dakota | $986 | -$182 | -15.6% |
| Tennessee | $1,022 | -$146 | -12.5% |
| Texas | $1,406 | $238 | 20.4% |
| Utah | $864 | -$304 | -26.0% |
| Vermont | $796 | -$372 | -31.8% |
| Virginia | $700 | -$468 | -40.1% |
| Washington | $900 | -$268 | -22.9% |
| West Virginia | $1,070 | -$98 | -8.4% |
| Wisconsin | $806 | -$362 | -31.0% |
| Wyoming | $1,040 | -$128 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 every year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $339 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Kona | $256 | $478 | $338 | $1,208 |
| 2023 Hyundai Kona | $248 | $466 | $354 | $1,204 |
| 2022 Hyundai Kona | $240 | $446 | $364 | $1,186 |
| 2021 Hyundai Kona | $226 | $430 | $376 | $1,168 |
| 2020 Hyundai Kona | $218 | $400 | $384 | $1,138 |
| 2019 Hyundai Kona | $208 | $376 | $388 | $1,108 |
| 2018 Hyundai Kona | $200 | $338 | $390 | $1,064 |
Rates are averaged for all Hyundai Kona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Hyundai Kona Insurance
Getting lower rates on car insurance consists of having a good driving record, maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every other policy renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The next list is a summary of the ideas that were covered above.
- Drivers age 20 and younger are charged the highest prices, with premiums as much as $370 a month for full coverage
- Higher risk drivers who have multiple accidents or major violations pay an average of $1,370 more annually to buy Hyundai Kona insurance
- Increasing physical damage deductibles can save around $450 each year
- Drivers can save approximately $140 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,438 |
| 20 | $2,708 |
| 30 | $1,214 |
| 40 | $1,168 |
| 50 | $1,070 |
| 60 | $1,052 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,460 |
| $250 | $1,324 |
| $500 | $1,168 |
| $1,000 | $1,020 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,168 |
| 50/100 | $1,243 |
| 100/300 | $1,337 |
| 250/500 | $1,582 |
| 100 CSL | $1,281 |
| 300 CSL | $1,488 |
| 500 CSL | $1,638 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,326 |
| 20 | $4,314 |
| 30 | $2,588 |
| 40 | $2,538 |
| 50 | $2,424 |
| 60 | $2,402 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $62 |
| Multi-vehicle | $62 |
| Homeowner | $18 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $52 |
| Advance Quote | $58 |
| Online Quote | $83 |
| Total Discounts | $496 |
Discounts are estimated and may not be available from every company or in every state.
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