Hyundai Kona Insurance Rates
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Michelle Robbins
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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 including full coverage. Comprehensive costs on average $226 each year, collision insurance costs $430, and liability coverage is $376. Buying just liability costs around $426 a year, and insurance for high-risk drivers 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 are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Kona models.
Price Range Variability
For the normal driver, Hyundai Kona insurance rates range from as cheap as $426 for liability-only coverage to a high rate of $2,538 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.
The examples above highlight why all drivers should compare rates quotes based on a specific location 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 Charts and Tables
The chart below breaks down average Hyundai Kona insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $672
- Raising to $1,000 deductibles will save around $148 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,168
- Choosing low deductibles will cost $1,460
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,538
- Policy cost with full coverage for a teenage driver may cost $4,438
Insurance rates for a Hyundai Kona also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
More mature drivers with a clean driving record 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 can expect to pay upwards of $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 are likely paying at a minimum $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers 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, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 more per 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 $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,670 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Affordable Hyundai Kona Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a brief review of the ideas that were presented in the illustrations above.
- Teenagers pay the highest rates, with premiums being up to $370 each month including comprehensive and collision insurance
- Drivers with DUI or reckless driving convictions pay on average $1,370 more each year for car insurance
- Increasing comprehensive and collision deductibles could save up to $450 each year
- You may be able to save as much as $140 per year just by quoting online in advance
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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