Hyundai Kona Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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Estimated insurance prices for a Hyundai Kona are $1,168 every 12 months with full coverage. Comprehensive costs on average $226, collision insurance costs $430, and liability coverage is $376. Liability-only coverage costs around $426 a year, and high-risk coverage costs around $2,538. 16-year-old drivers pay the most at up to $4,438 a year.
Average premium for full coverage: $1,168
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all Kona models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Hyundai Kona range from the cheapest price of $426 for your basic liability-only policy to the much higher price of $2,538 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates how geographic area affects car insurance rates.
These rate differences demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than using rate averages.
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.
More Rate Information
The chart below details average Hyundai Kona insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $672
- Raising to $1,000 deductibles will save around $148 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,168
- Buying pricier low deductibles increases the price to $1,460
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,538
- An auto insurance policy to insure a teenage driver for full coverage may cost $4,438
Insurance prices for a Hyundai Kona also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Kona.
Opting for high physical damage deductibles can reduce prices by up to $440 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $339 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 extra annually, depending on your age. Hyundai Kona insurance for high-risk drivers is expensive and can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Hyundai Kona insurance rates. A middle-age driver might find prices as low as $840 a year in states like New Hampshire, Ohio, and Utah, or at least $1,580 on average in Florida, Michigan, and New York.
| 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% |
| 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 Shop for Low Cost Hyundai Kona Insurance
Finding better rates on auto insurance consists of having a decent driving record, having good credit, being claim-free, and determing if full coverage is necessary. Invest the time to compare rates at least once a year by requesting rates from direct companies, and also from local exclusive and independent agents.
The following items are a review of the primary concepts that were presented in the illustrations above.
- You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
- Drivers who have several accidents or serious violations may pay on average $1,370 more each year than a driver with a clean driving record
- Increasing policy deductibles could save as much as $450 each year
- 16 to 18-year-old drivers pay the highest prices, possibly costing $370 per month if they have full coverage
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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