Hyundai Kona Insurance Rates
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UPDATED: Apr 26, 2024
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The average auto insurance rates for a Hyundai Kona are $1,168 annually for full coverage. Comprehensive costs an estimated $226 a year, collision costs $430, and liability coverage is $376. Liability-only coverage costs around $426 a year, with high-risk coverage costing around $2,538. Teen drivers cost the most to insure at $4,438 a year or more.
Average premium for full coverage: $1,168
Policy rates broken down by type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Kona trim levels.
Price Range Variability
For the average 40-year-old driver, Hyundai Kona insurance rates go from as cheap as $426 for the bare minimum liability coverage to a high of $2,538 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
The examples above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than using price 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.
Additional Rate Information
The chart below shows estimated Hyundai Kona insurance rates for other coverage scenarios.
- The lowest rate with discounts is $672
- Raising to $1,000 deductibles will save approximately $1,020 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,168
- Choosing low $100 deductibles will cost $1,460
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,538 or more
- Policy cost with full coverage for a teenage driver can cost as much as $4,438
Insurance rates for a Hyundai Kona also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $440 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Hyundai Kona insurance rates. A middle-age driver might find rates as low as $770 a year in states like Iowa, Maine, and Idaho, or as much as $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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and rates will be varied between companies.
| 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 Buy Cheaper Hyundai Kona Insurance
Finding cheaper rates on auto insurance consists of being a good driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a condensed summary of the coverage data touched on in this article.
- Drivers can save approximately $140 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Drivers age 16 to 20 are expensive to insure, costing up to $370 each month if they have full coverage
- Drivers with multiple at-fault accidents may pay on average $1,370 more annually than a safer driver
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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