Hyundai Kona Insurance Rates

The average insurance rates for a Hyundai Kona are $1,168 a year including full coverage. Comprehensive insurance costs around $226 a year, collision insurance costs $430, and liability insurance is $376. Liability-only coverage costs around $426 a year, and high-risk coverage costs $2,538 or more. Teen drivers cost the most to insure at up to $4,438 a year.

Average premium for full coverage: $1,168

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Kona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and risk profile, rather than relying on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $672
• Raising to $1,000 deductibles will save about $1,020 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,168
• Choosing low $100 deductibles will cost an extra $292 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,538
• Policy cost for full coverage for a teen driver can be $4,438

View Chart as Image

Insurance rates for a Hyundai Kona also range considerably based on your risk profile, the model of your Kona, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

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.

View Chart as Image

Choosing high deductibles can reduce rates by up to $440 each year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

How to Find the Best Hyundai Kona Insurance

Finding cheaper rates on Hyundai Kona insurance consists of being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief recap of the data that was touched on in the above illustrations.

• You may be able to save up to $140 per year just by quoting early and online
• Drivers who may need more liability protection will pay about $410 per year to raise from a 30/60 limit to 250/500 limits
• Youthful drivers are charged the highest rates, with premiums being up to $370 each month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations pay on average $1,370 more every year than a low-risk driver