Hyundai Kona Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 26, 2024
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Average insurance rates for a Hyundai Kona are $1,186 a year for full coverage. Comprehensive insurance costs approximately $240 a year, collision costs $446, and liability is estimated at $364. Liability-only coverage costs approximately $416 a year, with high-risk coverage costing $2,572 or more. Teenage drivers receive the highest rates at $4,466 a year or more.
Average premium for full coverage: $1,186
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Kona trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $416 for a discount liability-only rate to a high of $2,572 for a high-risk driver policy.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities.
The diagram below illustrates the effect of geographic area on auto insurance prices.
These examples show why it is important to get quotes using their specific location, instead of using 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.
Rates by State, City, and Model
The chart below shows estimated Hyundai Kona insurance rates for additional coverage and risk scenarios.
- The best discount rate is $681
- Choosing higher $1,000 deductibles can save $1,030 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,186
- Using low $100 deductibles for comp and collision coverage will cost an additional $302 every year
- Unlucky drivers who are prone to accidents and violations could pay around $2,572 or more
- The cost that insures a teen driver can cost $4,466 each year
Car insurance rates for a Hyundai Kona can also vary considerably based on the trim level of your Kona, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 131% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age
Where you live plays a big part in determining prices for Hyundai Kona insurance prices. A good driver about age 40 could pay 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.
| 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 save as much as $460 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different.
| 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 Cheaper Hyundai Kona Insurance
Saving money on car insurance takes having a good driving record, having a positive credit history, eliminating unneeded coverage, and avoiding coverage lapses. Compare prices every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a condensed summary of the information covered in the above illustrations.
- Drivers can save around $140 per year simply by quoting early and online
- Drivers age 20 and younger pay the highest auto insurance rates, costing as high as $372 per month if full coverage is purchased
- Increasing deductibles can save approximately $450 each year
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,390 more per year to buy Hyundai Kona insurance
- Policyholders who purchase increased levels of liability coverage will pay an extra $400 each year to raise limits from a minimum limit to the 250/500 level
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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