Hyundai Kona Insurance Rates

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

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.

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

View Chart as Image

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.

View Chart as Image

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

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