Hyundai Kona Insurance Rates

The 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 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:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Kona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

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

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

Additional Rate Analysis

The chart below shows 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 a year
• The average price for a good driver age 40 using $500 deductibles is $1,168
• Choosing low $100 deductibles costs an extra $292 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,538
• Policy cost to insure a teenage driver can be $4,438

View Chart as Image

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

Choosing high deductibles can reduce rates by 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 raise rates by up to $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 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be 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 around 43% to 133% more than average. View High Risk Driver Rates

Your home state also has a big influence on Hyundai Kona insurance rates. A middle-age driver might find rates as low as $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,670 on average in Michigan, Louisiana, and New York.

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How to Shop for More Affordable Hyundai Kona Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations may pay on average $1,370 more every year to insure a Hyundai Kona
• Drivers can save up to $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Consumers who may need increased liability limits will pay about $410 each year to raise from a 30/60 limit to a 250/500 level