Hyundai Kona Insurance Rates

Average insurance prices for a Hyundai Kona are $1,168 every 12 months for full coverage. Comprehensive insurance costs around $226 a year, collision insurance costs $430, and liability coverage costs $376. A policy with just liability insurance costs as little as $426 a year, and coverage for high-risk drivers costs $2,538 or more. 16-year-old drivers receive the highest rates at up to $4,438 a year.

Average premium for full coverage: $1,168

Rate estimates for individual coverage type:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Kona trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why it is important to compare rates for a specific zip code and their own driving history, rather than using rate averages.

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 full coverage rate is $672
• Drivers who choose higher $1,000 deductibles will pay about $1,020 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,168
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $292 each year
• High-risk insureds with multiple tickets or accidents could pay at least $2,538
• The cost to insure a teenage driver can be $4,438 a year

View Chart as Image

Insurance rates for a Hyundai Kona can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Opting for high physical damage deductibles could save up to $440 a year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or at least $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Low Cost Hyundai Kona Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to compare rates at every policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a review of the data covered above.

• Consumers who may need increased liability limits will pay around $410 each year to go from a minimum limit to a 250/500 level
• Drivers can save up to $140 per year just by quoting early and online
• Increasing deductibles could save as much as $450 each year
• Drivers under the age of 20 are charged the highest rates, costing as high as $370 per month if full coverage is included