Hyundai Kona Insurance Rates

The average insurance prices for a Hyundai Kona are $1,186 every 12 months including full coverage. Comprehensive insurance costs approximately $240 each year, collision insurance costs $446, and liability insurance costs around $364. Liability-only coverage costs as low as $416 a year, and high-risk coverage costs $2,572 or more. Teen drivers cost the most to insure at up to $4,466 a year.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Kona models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $681
• Using higher $1,000 deductibles will save $156 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,186
• Choosing low deductibles for physical damage coverage costs an extra $302 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,572
• Policy cost to insure a teen driver can cost $4,466 or more

View Chart as Image

Insurance rates for a Hyundai Kona also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Kona.

Choosing high deductibles could cut rates by as much as $460 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit

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

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 131% more than average. View High Risk Driver Rates

Your home state has a huge impact on Hyundai Kona insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Affordable Hyundai Kona Insurance

Finding cheaper rates on Hyundai Kona insurance requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates every year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief review of the coverage data covered in the charts and tables above.

• You may be able to save around $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $372 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,390 more per year than a safer driver