Hyundai Kona Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for a Hyundai Kona are $1,168 every 12 months for full coverage insurance. Comprehensive costs approximately $226, collision insurance costs $430, and liability is $376. Liability-only insurance costs around $426 a year, and high-risk driver insurance costs around $2,538. Teen drivers pay the most at up to $4,438 a year.
Average premium for full coverage: $1,168
Premium estimates by type of coverage:
Includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Kona trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Hyundai Kona range from the cheapest price of $426 for just the minimum liability insurance to a much higher rate of $2,538 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how location impacts auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of making a decision based on price averages.
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 illustrates average Hyundai Kona insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $672
- Raising to $1,000 deductibles will save $148 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,168
- Choosing more expensive low deductibles increases the price to $1,460
- Drivers with multiple violations and an at-fault accident could pay around $2,538
- An auto insurance policy to insure a 16-year-old driver with full coverage can cost $4,438
Insurance prices for a Hyundai Kona also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Kona.
Choosing high deductibles can reduce prices by up to $440 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 133% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Hyundai Kona insurance prices. A middle-age driver might find prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,580 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for the Cheapest Hyundai Kona Insurance
Finding better rates on insurance for a Hyundai Kona consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.
The following list is a recap of the material that was touched on above.
- Insureds who purchase an increased level of liability coverage will pay about $410 annually to raise from 30/60 bodily injury limits to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, with premiums being up to $370 per month if full coverage is included
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,370 more per year than a safer driver
- Increasing policy deductibles could save as much as $450 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,460 |
| $250 | $1,324 |
| $500 | $1,168 |
| $1,000 | $1,020 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
