Hyundai Kona Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Average insurance rates for a Hyundai Kona are $1,168 a year including full coverage. Comprehensive insurance costs around $226, collision insurance costs $430, and liability insurance is $376. Buying just liability costs around $426 a year, and insurance for high-risk drivers costs $2,538 or more. Teen drivers receive the highest rates at up to $4,438 a year.

Average premium for full coverage: $1,168

Rate estimates for individual coverage type:

Comprehensive $226
Collision $430
Liability $376

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

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $426 for just liability coverage to a much higher rate of $2,538 for a driver that may need high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.

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

These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying 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.

Detailed Rate Analysis

The chart below breaks down 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 $148 every year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,168
  • Choosing more expensive low deductibles will cost an additional $292 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,538
  • The cost that insures a teen driver with full coverage can be $4,438

View Chart as Image

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

Auto insurance rates for a Hyundai Kona can also vary considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age

Where you live also has a big influence on Hyundai Kona insurance rates. A middle-age driver might find rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,670 on average in Michigan, New York, and Louisiana.

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 high deductibles can reduce rates by up to $440 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit

Hyundai Kona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Hyundai Kona $226 $430 $376 $1,168
2018 Hyundai Kona $218 $400 $384 $1,138

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 Hyundai Kona insurance consists of avoiding accidents and claims, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Shop around once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a condensed summary of the data that was raised in the charts and tables above.

  • You may be able to save up to $140 per year just by shopping early and online
  • Drivers who may need increased liability limits will pay about $410 per year to raise from a minimum limit to the 250/500 level
  • Drivers under the age of 20 are expensive to insure, as much as $370 per month if the policy includes full coverage
  • High-risk drivers with multiple at-fault accidents may have to pay on average $1,370 more every year to insure a Hyundai Kona

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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