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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The average insurance rates for a Hyundai Kona are $1,186 a year including full coverage. Comprehensive insurance costs approximately $240, collision costs $446, and liability insurance is $364. A liability-only policy costs around $416 a year, with high-risk insurance costing $2,572 or more. Teenage drivers cost the most to insure at $4,466 a year or more.
Average premium for full coverage: $1,186
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Kona models.
Price Range Variability
Using a 40-year-old driver as an example, Hyundai Kona insurance rates go from the low end price of $416 for just the minimum liability insurance to the much higher price of $2,572 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance prices.
The examples above highlight why everyone should compare rates quotes using their specific location, rather than relying 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 Analysis
The chart below breaks down estimated Hyundai Kona insurance rates for additional coverage and risk scenarios.
- The best discount rate is $681
- Raising to $1,000 deductibles will save $156 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,186
- Using pricier low deductibles will cost an additional $302 a year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,572 or more
- Policy cost that insures a teen driver for full coverage can cost $4,466
Car insurance rates for a Hyundai Kona also range considerably based on the model of your Kona, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 extra every year, depending on your age. Hyundai Kona insurance for high-risk drivers is expensive and can cost anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $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 $910 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,690 on average in Louisiana, New York, 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 can reduce rates by up to $460 each year, whereas buying more liability protection will push rates upward. Changing 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
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.
| 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 the Best Cheap Hyundai Kona Insurance
Finding cheaper rates on Hyundai Kona insurance consists of having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare prices at every policy renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The following items are a quick review of the data raised in the charts and tables above.
- Drivers who purchase additional liability coverage will pay an extra $400 per year to raise from a 30/60 limit to the 250/500 level
- You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums being up to $372 each month if full coverage is purchased
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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