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 $1,186 a year for full coverage. Comprehensive insurance costs around $240 a year, collision costs $446, and liability coverage costs around $364. Buying just liability costs as low as $416 a year, with insurance for high-risk drivers costing $2,572 or more. 16-year-old drivers receive the highest rates at $4,466 a year or more.
Average premium for full coverage: $1,186
Rate estimates for individual coverage type:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Kona trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $416 for a discount liability-only rate to a high of $2,572 for a high-risk insurance policy.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance rates.
These examples show why it is important to compare prices for a specific zip code and risk profile, rather than using rate 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 shows estimated Hyundai Kona insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $681
- Using higher $1,000 deductibles will save about $1,030 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,186
- Buying low $100 deductibles for physical damage coverage will cost an extra $302 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,572 or more
- The cost for full coverage for a teenage driver can be $4,466 or more
Auto insurance rates for a Hyundai Kona can also vary considerably based on your driver profile, the trim level of your Kona, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,400 a year. View Rates by Age
Where you live has a huge impact on Hyundai Kona insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Idaho, Maine, and Iowa, or at least $1,690 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,072 | -$114 | -9.6% |
| Alaska | $910 | -$276 | -23.3% |
| Arizona | $982 | -$204 | -17.2% |
| Arkansas | $1,186 | -$0 | 0.0% |
| California | $1,350 | $164 | 13.8% |
| Colorado | $1,130 | -$56 | -4.7% |
| Connecticut | $1,216 | $30 | 2.5% |
| Delaware | $1,338 | $152 | 12.8% |
| Florida | $1,480 | $294 | 24.8% |
| Georgia | $1,096 | -$90 | -7.6% |
| Hawaii | $852 | -$334 | -28.2% |
| Idaho | $804 | -$382 | -32.2% |
| Illinois | $882 | -$304 | -25.6% |
| Indiana | $894 | -$292 | -24.6% |
| Iowa | $800 | -$386 | -32.5% |
| Kansas | $1,126 | -$60 | -5.1% |
| Kentucky | $1,616 | $430 | 36.3% |
| Louisiana | $1,754 | $568 | 47.9% |
| Maine | $734 | -$452 | -38.1% |
| Maryland | $980 | -$206 | -17.4% |
| Massachusetts | $946 | -$240 | -20.2% |
| Michigan | $2,058 | $872 | 73.5% |
| Minnesota | $994 | -$192 | -16.2% |
| Mississippi | $1,420 | $234 | 19.7% |
| Missouri | $1,052 | -$134 | -11.3% |
| Montana | $1,274 | $88 | 7.4% |
| Nebraska | $934 | -$252 | -21.2% |
| Nevada | $1,422 | $236 | 19.9% |
| New Hampshire | $854 | -$332 | -28.0% |
| New Jersey | $1,326 | $140 | 11.8% |
| New Mexico | $1,050 | -$136 | -11.5% |
| New York | $1,248 | $62 | 5.2% |
| North Carolina | $682 | -$504 | -42.5% |
| North Dakota | $972 | -$214 | -18.0% |
| Ohio | $818 | -$368 | -31.0% |
| Oklahoma | $1,216 | $30 | 2.5% |
| Oregon | $1,086 | -$100 | -8.4% |
| Pennsylvania | $1,130 | -$56 | -4.7% |
| Rhode Island | $1,580 | $394 | 33.2% |
| South Carolina | $1,074 | -$112 | -9.4% |
| South Dakota | $1,000 | -$186 | -15.7% |
| Tennessee | $1,038 | -$148 | -12.5% |
| Texas | $1,430 | $244 | 20.6% |
| Utah | $876 | -$310 | -26.1% |
| Vermont | $810 | -$376 | -31.7% |
| Virginia | $710 | -$476 | -40.1% |
| Washington | $914 | -$272 | -22.9% |
| West Virginia | $1,088 | -$98 | -8.3% |
| Wisconsin | $818 | -$368 | -31.0% |
| Wyoming | $1,054 | -$132 | -11.1% |
Opting for high physical damage deductibles could cut rates by as much as $460 a year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 45% to 131% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Kona | $268 | $482 | $332 | $1,218 |
| 2023 Hyundai Kona | $256 | $478 | $338 | $1,208 |
| 2022 Hyundai Kona | $248 | $466 | $354 | $1,204 |
| 2021 Hyundai Kona | $240 | $446 | $364 | $1,186 |
| 2020 Hyundai Kona | $226 | $430 | $376 | $1,168 |
| 2019 Hyundai Kona | $218 | $400 | $384 | $1,138 |
| 2018 Hyundai Kona | $208 | $376 | $388 | $1,108 |
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 Cheap Hyundai Kona Insurance
Saving money on auto insurance requires being safe and accident-free, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates at least every other year by requesting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.
Below you'll find a brief summary of the car insurance concepts touched on in this article.
- Drivers that tend to have accidents or serious violations may be required to pay an average of $1,390 more every year than a low-risk driver
- Drivers can save up to $140 per year simply by quoting early and online
- Increasing deductibles can save around $450 each year
- Consumers who may need more liability protection will pay around $400 each year to increase from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,466 |
| 20 | $2,744 |
| 30 | $1,234 |
| 40 | $1,186 |
| 50 | $1,086 |
| 60 | $1,066 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,488 |
| $250 | $1,348 |
| $500 | $1,186 |
| $1,000 | $1,030 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,186 |
| 50/100 | $1,259 |
| 100/300 | $1,350 |
| 250/500 | $1,586 |
| 100 CSL | $1,295 |
| 300 CSL | $1,495 |
| 500 CSL | $1,641 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,372 |
| 20 | $4,368 |
| 30 | $2,624 |
| 40 | $2,572 |
| 50 | $2,454 |
| 60 | $2,432 |
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 | $63 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $54 |
| Advance Quote | $59 |
| Online Quote | $84 |
| Total Discounts | $505 |
Discounts are estimated and may not be available from every company or in every state.
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