Hyundai Kona Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 costs an estimated $240 a year, collision insurance costs $446, and liability costs around $364. A policy with just liability insurance costs as low as $416 a year, and coverage for high-risk drivers costs around $2,572. Teenage drivers receive the highest rates at up to $4,466 a year.
Average premium for full coverage: $1,186
Rate estimates broken down by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Kona trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $416 for minimum levels of liability insurance to a high of $2,572 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.
These examples show why it is important to compare prices for a targeted area, instead of making a decision based on average rates.
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 Rate Details
The chart below shows average Hyundai Kona insurance rates for other coverage scenarios.
- The best discount rate is $681
- Using higher $1,000 deductibles will save approximately $1,030 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,186
- Using low $100 deductibles for physical damage coverage bumps up the cost to $1,488
- High-risk insureds who are prone to accidents and violations could pay up to $2,572
- The cost that insures a 16-year-old driver can cost as much as $4,466 or more
Insurance rates for a Hyundai Kona can also vary considerably based on the trim level of your Kona, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be from 45% to 131% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,400 a year. View Rates by Age
Where you live has a huge impact on Hyundai Kona insurance prices. A driver around age 40 might see rates as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,690 on average in New York, Louisiana, and Michigan.
| 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% |

Using high physical damage deductibles could cut rates by as much as $460 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit
| 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 More Affordable Hyundai Kona Insurance
Saving money on insurance for a Hyundai Kona requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare prices every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a summary of the coverage data presented in the illustrations above.
- Drivers can save approximately $140 per year just by quoting early and online
- Increasing deductibles can save approximately $450 each year
- Teenagers are expensive to insure, costing as high as $372 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,390 more annually for car insurance
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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