Hyundai Kona Insurance Rates

U.S. average insurance rates for a Hyundai Kona are $1,168 a year for full coverage. Comprehensive insurance costs around $226 a year, collision insurance costs $430, and liability coverage is $376. Liability-only insurance costs around $426 a year, and high-risk driver insurance costs $2,538 or more. Teenage drivers pay the highest rates at up to $4,438 a year.

Average premium for full coverage: $1,168

Price estimates for individual coverage:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Kona trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

The ranges above show why it is important to compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below shows average Hyundai Kona insurance rates for additional coverage choices and driver risks.

• The best discount rate is $672
• Raising to $1,000 deductibles will save about $1,020 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,168
• Using low $100 deductibles will cost an extra $292 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,538
• The price for full coverage for a teenage driver can be $4,438

View Chart as Image

Car insurance prices for a Hyundai Kona are also quite variable based on your driving record, the trim level of your Kona, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,400 a year. View Rates by Age

The state you live in also has a big influence on Hyundai Kona insurance rates. A middle-age driver might find prices as low as $770 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $440 a year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Hyundai Kona Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following items are a condensed summary of the material that was touched on above.

• Consumers who may need additional liability coverage will pay an extra $410 each year to raise from a low limit to 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $370 a month if full coverage is included
• Drivers with multiple at-fault accidents may be required to pay an average of $1,370 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $450 each year