Hyundai Kona Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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The average insurance prices for a Hyundai Kona are $1,168 every 12 months for full coverage insurance. Comprehensive costs an estimated $226 a year, collision costs $430, and liability is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing around $2,538. Teenage drivers cost the most to insure at $4,438 a year or more.
Average premium for full coverage: $1,168
Policy rates broken down by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Kona trim levels.
Price Range Variability
For the average 40-year-old driver, Hyundai Kona insurance rates go from the cheapest price of $426 for minimum levels of liability insurance to a high of $2,538 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities.
The diagram below illustrates the difference location can make on insurance prices.
The examples above illustrate why it is important to get quotes for a targeted area and their own driving history, 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.
Additional Rate Details
The chart below illustrates estimated Hyundai Kona insurance rates for other coverage scenarios.
- The best discount rate is $672
- Choosing higher $1,000 deductibles can save approximately $1,020 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,168
- Using low $100 deductibles for comp and collision coverage increases the price to $1,460
- Unlucky drivers who are prone to accidents and violations could pay up to $2,538 or more
- Policy cost to insure a teen driver can cost as much as $4,438 each year
Insurance rates for a Hyundai Kona also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Using high physical damage deductibles can save as much as $440 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Hyundai Kona insurance prices. A good driver about age 40 could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay 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% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied.
| 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 Best Hyundai Kona Insurance
Finding cheaper rates on car insurance takes being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Make time to compare rates at least every other year by requesting rates from direct insurance companies, and also from insurance agencies where you live.
The items below are a brief recap of the car insurance concepts touched on in this article.
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,370 more annually to insure their Kona
- It is possible to save approximately $140 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- Policyholders who want more liability coverage will pay an extra $410 annually to raise limits from a 30/60 limit to a 250/500 level
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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