Hyundai Kona Insurance Rates

Average insurance prices for a Hyundai Kona are $1,168 every 12 months for full coverage insurance. Comprehensive costs on average $226, collision insurance costs $430, and liability costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs around $2,538. Teenage 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:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Kona trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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

More Rate Information

The chart below illustrates average Hyundai Kona insurance rates for different risk profiles and scenarios.

• The best discount rate is $672
• Using higher $1,000 deductibles will save around $148 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,168
• Using more expensive low deductibles for physical damage coverage increases the price to $1,460
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,538
• The cost to insure a 16-year-old driver with full coverage may cost $4,438 or more

View Chart as Image

Insurance rates for a Hyundai Kona can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Kona.

Using high physical damage deductibles could cut rates by as much as $440 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Hyundai Kona insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,580 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Cheaper Hyundai Kona Insurance

Saving money on insurance for a Hyundai Kona requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates at every policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the data covered above.

• Insureds who require higher liability limits will pay an extra $410 annually to increase from a minimum limit to a 250/500 level
• It is possible to save as much as $140 per year just by shopping early and online
• Increasing deductibles could save as much as $450 each year
• Teenagers pay the highest rates, costing up to $370 per month if they have full coverage