Hyundai Kona Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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Average insurance rates for a Hyundai Kona are $1,168 a year with full coverage. Comprehensive costs on average $226, collision insurance costs $430, and liability is estimated at $376. A policy with just liability insurance costs approximately $426 a year, and coverage for high-risk drivers costs around $2,538. Teen drivers receive the highest rates at up to $4,438 a year.
Average premium for full coverage: $1,168
Rate estimates by individual coverage type:
Estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different Kona trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $426 for a discount liability-only rate to a much higher rate of $2,538 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These examples demonstrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below details average Hyundai Kona insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $672
- Choosing higher $1,000 deductibles can save around $148 annually
- The average rate for a 40-year-old driver with $500 deductibles is $1,168
- Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,460
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,538
- The cost for full coverage for a 16-year-old driver with full coverage may cost $4,438 each year
Insurance rates for a Hyundai Kona can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age
Where you live plays a big part in determining prices for Hyundai Kona insurance prices. A good driver about age 40 could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or as much as $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% |
Choosing high deductibles can save as much as $440 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance ranges from 43% to 133% more than average. 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 Low Cost Hyundai Kona Insurance
Saving money on insurance for a Hyundai Kona takes not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at least once a year by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.
The following is a review of the primary concepts that were covered above.
- You may be able to save as much as $140 per year just by shopping early and online
- Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,370 more each year for Kona insurance
- Increasing deductibles can save around $450 each year
- Teens pay higher rates, with premiums as much as $370 per month including comprehensive and collision insurance
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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