Hyundai Kona Insurance Rates

The average insurance rates for a Hyundai Kona are $1,168 a year with full coverage. Comprehensive costs approximately $226 each year, collision insurance costs $430, and liability costs $376. Liability-only coverage costs as little as $426 a year, and high-risk coverage costs around $2,538. Teen drivers cost the most to insure at up to $4,438 a year.

Average premium for full coverage: $1,168

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Kona models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why all drivers should compare rates using their specific location and risk profile, instead of using price averages.

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

More Rate Details

The chart below details average Hyundai Kona insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $672
• Drivers who choose higher $1,000 deductibles will pay $148 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,168
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,460
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,538
• Policy cost for full coverage for a teen driver can cost $4,438 a year

View Chart as Image

Insurance rates for a Hyundai Kona also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state makes a big difference in Hyundai Kona insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,580 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $440 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 133% more than average. View High Risk Driver Rates

How to Find the Right Hyundai Kona Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit history, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,370 more per year than a safer driver
• You may be able to save around $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $450 each year
• Policyholders who purchase an increased level of liability coverage will pay about $410 every year to go from a 30/60 limit to 250/500 limits