Hyundai Kona Insurance Rates

The average insurance rates for a Hyundai Kona are $1,186 a year for full coverage. Comprehensive insurance costs an estimated $240 a year, collision insurance costs $446, and liability costs $364. A liability-only policy costs as little as $416 a year, and high-risk insurance costs $2,572 or more. Teen drivers cost the most to insure at up to $4,466 a year.

Average premium for full coverage: $1,186

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

The examples above show why it is important to compare rates for a targeted area, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below shows average Hyundai Kona insurance rates for other coverage scenarios.

• The lowest rate with discounts is $681
• Drivers who choose higher $1,000 deductibles will pay approximately $1,030 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,186
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $302 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,572
• Policy cost that insures a 16-year-old driver can cost as much as $4,466 a year

View Chart as Image

Car insurance rates for a Hyundai Kona also range considerably based on the trim level of your Kona, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 131% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,400 a year. View Rates by Age

Your home state makes a big difference in Hyundai Kona insurance prices. A 40-year-old driver could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,690 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $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 raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheap Hyundai Kona Insurance

Finding cheaper rates on insurance for a Hyundai Kona not only requires being a good driver, but also having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Shop around at least every other year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a brief summary of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,390 more annually than a safer driver
• Drivers can save approximately $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Insureds who want an increased level of liability coverage will pay about $400 each year to go from a 30/60 limit to the 250/500 level