Hyundai Kona Insurance Rates
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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:
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.
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.
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
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.
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% |
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
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
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.
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