Hyundai Kona Insurance Rates

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UPDATED: Apr 26, 2024

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Estimated insurance rates for a Hyundai Kona are $1,168 a year for full coverage. Comprehensive insurance costs on average $226 each year, collision costs $430, and liability coverage is estimated at $376. A policy with only liability insurance costs approximately $426 a year, with a high-risk policy costing $2,538 or more. Teens pay the most at $4,438 a year or more.

Average premium for full coverage: $1,168

Premium estimates by type of coverage:

Comprehensive $226
Collision $430
Liability $376

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Kona models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Hyundai Kona go from the low end price of $426 for the bare minimum liability coverage to a high rate of $2,538 for a driver who has had serious violations or accidents.

Liability Only $426
Full Coverage $1,168
High Risk $2,538

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine car insurance rates.

Rural Areas $876
Small Cities $1,226
Large Cities $1,577

These rate differences show why all drivers should get quotes based on a specific location, rather than using averaged prices.

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 Information

The chart below shows estimated Hyundai Kona insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $672
  • Choosing higher $1,000 deductibles can save around $148 a year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,168
  • Selecting low deductibles for comp and collision coverage will cost an additional $292 each year
  • Drivers with serious driving violations could pay upwards of $2,538 or more
  • An auto insurance policy that insures a teenage driver may cost $4,438 each year

View Chart as Image

Hyundai Kona insurance cost comparison chart
Column chart showing full coverage Hyundai Kona insurance prices range from $672 to $4,438

Car insurance prices for a Hyundai Kona also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Hyundai Kona insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,670 on average in Michigan, Louisiana, and New York.

Hyundai Kona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,056 -$112 -9.6%
Alaska $896 -$272 -23.3%
Arizona $970 -$198 -17.0%
Arkansas $1,168 -$0 0.0%
California $1,330 $162 13.9%
Colorado $1,116 -$52 -4.5%
Connecticut $1,198 $30 2.6%
Delaware $1,322 $154 13.2%
Florida $1,458 $290 24.8%
Georgia $1,080 -$88 -7.5%
Hawaii $840 -$328 -28.1%
Idaho $792 -$376 -32.2%
Illinois $868 -$300 -25.7%
Indiana $880 -$288 -24.7%
Iowa $786 -$382 -32.7%
Kansas $1,108 -$60 -5.1%
Kentucky $1,592 $424 36.3%
Louisiana $1,728 $560 47.9%
Maine $722 -$446 -38.2%
Maryland $964 -$204 -17.5%
Massachusetts $930 -$238 -20.4%
Michigan $2,028 $860 73.6%
Minnesota $978 -$190 -16.3%
Mississippi $1,398 $230 19.7%
Missouri $1,036 -$132 -11.3%
Montana $1,254 $86 7.4%
Nebraska $920 -$248 -21.2%
Nevada $1,400 $232 19.9%
New Hampshire $842 -$326 -27.9%
New Jersey $1,306 $138 11.8%
New Mexico $1,034 -$134 -11.5%
New York $1,230 $62 5.3%
North Carolina $672 -$496 -42.5%
North Dakota $958 -$210 -18.0%
Ohio $806 -$362 -31.0%
Oklahoma $1,198 $30 2.6%
Oregon $1,070 -$98 -8.4%
Pennsylvania $1,112 -$56 -4.8%
Rhode Island $1,558 $390 33.4%
South Carolina $1,058 -$110 -9.4%
South Dakota $986 -$182 -15.6%
Tennessee $1,022 -$146 -12.5%
Texas $1,406 $238 20.4%
Utah $864 -$304 -26.0%
Vermont $796 -$372 -31.8%
Virginia $700 -$468 -40.1%
Washington $900 -$268 -22.9%
West Virginia $1,070 -$98 -8.4%
Wisconsin $806 -$362 -31.0%
Wyoming $1,040 -$128 -11.0%

View Chart as Image

Hyundai Kona insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer calculates prices differently, so rate quotes will be substantially different.

Hyundai Kona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Kona $256 $478 $338 $1,208
2023 Hyundai Kona $248 $466 $354 $1,204
2022 Hyundai Kona $240 $446 $364 $1,186
2021 Hyundai Kona $226 $430 $376 $1,168
2020 Hyundai Kona $218 $400 $384 $1,138
2019 Hyundai Kona $208 $376 $388 $1,108
2018 Hyundai Kona $200 $338 $390 $1,064

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 Cheaper Hyundai Kona Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare rates every other policy renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.

Below is a condensed summary of the ideas that were covered in the charts and tables above.

  • Teenage drivers are expensive to insure, as much as $370 per month if full coverage is purchased
  • Drivers with multiple at-fault accidents may pay on average $1,370 more each year for auto insurance
  • Increasing policy deductibles can save approximately $450 each year
  • Drivers can save as much as $140 per year simply by quoting online in advance

Rates by Driver Age

Hyundai Kona Insurance Rates by Driver Age
Driver Age Premium
16 $4,438
20 $2,708
30 $1,214
40 $1,168
50 $1,070
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Kona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,460
$250 $1,324
$500 $1,168
$1,000 $1,020

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Kona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,168
50/100 $1,243
100/300 $1,337
250/500 $1,582
100 CSL $1,281
300 CSL $1,488
500 CSL $1,638

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Kona Insurance Rates for High Risk Drivers
Age Premium
16 $6,326
20 $4,314
30 $2,588
40 $2,538
50 $2,424
60 $2,402

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.

SR-22 Surcharge $165

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $85
5-yr Claim Free $76
Paid in Full/EFT $52
Advance Quote $58
Online Quote $83
Total Discounts $496
Rate after discounts $672

Discounts are estimated and may not be available from every company or in every state.

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