Hyundai Kona Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 26, 2024
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Estimated insurance prices for a Hyundai Kona are $1,168 every 12 months with full coverage. Comprehensive insurance costs approximately $226 each year, collision costs $430, and liability insurance costs $376. Liability-only insurance costs as little as $426 a year, with high-risk driver insurance costing $2,538 or more. 16-year-old drivers pay the most at $4,438 a year or more.
Average premium for full coverage: $1,168
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Kona models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Hyundai Kona go from the cheapest price of $426 for just liability coverage to a high rate of $2,538 for a high-risk driver policy.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than congested cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
These rate differences demonstrate why all drivers should compare rates using their specific location and their own driving history, rather than relying on 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.
Detailed Rate Analysis
The chart below details estimated Hyundai Kona insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $672
- Drivers who choose higher $1,000 deductibles will pay $148 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,168
- Buying low deductibles for comprehensive and collision insurance costs an extra $292 a year
- High risk drivers with multiple tickets or accidents could pay around $2,538 or more
- An auto insurance policy to insure a teen driver can cost $4,438 a year
Insurance prices for a Hyundai Kona also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Kona.
Opting for high physical damage deductibles could save up to $440 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or at least $1,580 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and prices will be substantially different.
| 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 More Affordable Hyundai Kona Insurance
Finding better rates on Hyundai Kona insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The list below is a summary of the information covered in the above illustrations.
- You may be able to save around $140 per year simply by quoting online in advance
- Teenagers are the costliest to insure, possibly costing $370 per month if full coverage is included
- Increasing policy deductibles could save as much as $450 each year
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,370 more per year for car insurance
- Drivers who purchase higher liability limits will pay around $410 every year to go from 30/60 bodily injury limits 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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