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Hyundai Kona Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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Average insurance prices for a Hyundai Kona are $1,218 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $268, collision costs $482, and liability coverage is estimated at $332. A liability-only policy costs approximately $388 a year, with high-risk insurance costing $2,624 or more. 16-year-old drivers receive the highest rates at $4,486 a year or more.

Average premium for full coverage: $1,218

Rate estimates broken down by individual coverage type:

Comprehensive $268
Collision $482
Liability $332

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Kona trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the cheapest price of $388 for the bare minimum liability coverage to a much higher rate of $2,624 for coverage for higher-risk drivers.

Liability Only $388
Full Coverage $1,218
High Risk $2,624

Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

Rural Areas $914
Small Cities $1,279
Large Cities $1,644

These examples illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than using rate 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 Information

The chart below illustrates estimated Hyundai Kona insurance rates for other coverage scenarios.

  • The best full coverage rate is $698
  • Choosing higher $1,000 deductibles can save approximately $170 each year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,218
  • Buying more expensive low deductibles for comp and collision coverage costs an extra $328 each year
  • Drivers with multiple tickets or accidents could pay up to $2,624 or more
  • The cost to insure a teenage driver with full coverage can cost as much as $4,486 each year

View Chart as Image

Hyundai Kona insurance cost comparison chart
Column chart showing full coverage Hyundai Kona insurance prices range from $698 to $4,486

Insurance rates for a Hyundai Kona can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $500 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $299 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance ranges around 45% to 128% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Hyundai Kona insurance rates. A good driver about age 40 could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,640 on average in Florida, New York, and Michigan.

Hyundai Kona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,098 -$120 -9.9%
Alaska $932 -$286 -23.5%
Arizona $1,008 -$210 -17.2%
Arkansas $1,218 -$0 0.0%
California $1,384 $166 13.6%
Colorado $1,160 -$58 -4.8%
Connecticut $1,246 $28 2.3%
Delaware $1,372 $154 12.6%
Florida $1,518 $300 24.6%
Georgia $1,124 -$94 -7.7%
Hawaii $874 -$344 -28.2%
Idaho $824 -$394 -32.3%
Illinois $904 -$314 -25.8%
Indiana $916 -$302 -24.8%
Iowa $818 -$400 -32.8%
Kansas $1,152 -$66 -5.4%
Kentucky $1,656 $438 36.0%
Louisiana $1,798 $580 47.6%
Maine $748 -$470 -38.6%
Maryland $1,002 -$216 -17.7%
Massachusetts $968 -$250 -20.5%
Michigan $2,110 $892 73.2%
Minnesota $1,018 -$200 -16.4%
Mississippi $1,454 $236 19.4%
Missouri $1,080 -$138 -11.3%
Montana $1,306 $88 7.2%
Nebraska $958 -$260 -21.3%
Nevada $1,456 $238 19.5%
New Hampshire $874 -$344 -28.2%
New Jersey $1,358 $140 11.5%
New Mexico $1,074 -$144 -11.8%
New York $1,278 $60 4.9%
North Carolina $698 -$520 -42.7%
North Dakota $996 -$222 -18.2%
Ohio $836 -$382 -31.4%
Oklahoma $1,246 $28 2.3%
Oregon $1,114 -$104 -8.5%
Pennsylvania $1,158 -$60 -4.9%
Rhode Island $1,620 $402 33.0%
South Carolina $1,102 -$116 -9.5%
South Dakota $1,026 -$192 -15.8%
Tennessee $1,064 -$154 -12.6%
Texas $1,466 $248 20.4%
Utah $900 -$318 -26.1%
Vermont $828 -$390 -32.0%
Virginia $726 -$492 -40.4%
Washington $938 -$280 -23.0%
West Virginia $1,116 -$102 -8.4%
Wisconsin $840 -$378 -31.0%
Wyoming $1,082 -$136 -11.2%

View Chart as Image

Hyundai Kona insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates can be significantly different.

Hyundai Kona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Hyundai Kona $268 $482 $332 $1,218
2019 Hyundai Kona $256 $478 $338 $1,208
2018 Hyundai Kona $248 $466 $354 $1,204

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 Cheaper Hyundai Kona Insurance

Saving money on auto insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the primary concepts that were touched on in this article.

  • It is possible to save approximately $150 per year simply by shopping early and online
  • Drivers with multiple at-fault accidents could be forced to pay on average $1,410 more annually to buy Hyundai Kona insurance
  • Increasing deductibles could save as much as $500 each year
  • Drivers age 20 and younger are charged the highest rates, costing up to $374 per month if they have full coverage

Rates by Driver Age

Hyundai Kona Insurance Rates by Driver Age
Driver Age Premium
16 $4,486
20 $2,800
30 $1,270
40 $1,218
50 $1,110
60 $1,090

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Kona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,546
$250 $1,392
$500 $1,218
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Kona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,218
50/100 $1,284
100/300 $1,367
250/500 $1,583
100 CSL $1,318
300 CSL $1,500
500 CSL $1,633

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Kona Insurance Rates for High Risk Drivers
Age Premium
16 $6,408
20 $4,452
30 $2,686
40 $2,624
50 $2,502
60 $2,478

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 $169

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $63
Homeowner $17
5-yr Accident Free $91
5-yr Claim Free $79
Paid in Full/EFT $57
Advance Quote $61
Online Quote $87
Total Discounts $520
Rate after discounts $698

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

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