Hyundai Kona Insurance Rates

The average insurance prices for a Hyundai Kona are $1,168 every 12 months for full coverage. Comprehensive insurance costs an estimated $226 a year, collision insurance costs $430, and liability coverage is estimated at $376. Buying just liability costs approximately $426 a year, and insurance for high-risk drivers costs $2,538 or more. Teen drivers cost the most to insure at up to $4,438 a year.

Average premium for full coverage: $1,168

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Kona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above show why it is important to get quotes for a targeted area and their own driving history, rather than using price averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Hyundai Kona insurance rates for other coverage scenarios.

• The lowest rate with discounts is $672
• Choosing higher $1,000 deductibles can save approximately $1,020 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,168
• Choosing low $100 deductibles for comp and collision coverage costs an extra $292 each year
• Drivers with multiple violations and an at-fault accident could pay up to $2,538
• Policy cost to insure a teenage driver can cost as much as $4,438 each year

View Chart as Image

Insurance rates for a Hyundai Kona also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing high deductibles can save as much as $440 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect 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 could be paying $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 133% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Hyundai Kona insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or as much as $1,670 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Right Hyundai Kona Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by quoting rates from direct carriers, and also from several local insurance agents.

The points below are a quick rundown of the primary concepts that were covered in the above illustrations.

• Drivers can save approximately $140 per year just by quoting early and online
• Drivers with reckless driving or DUI convictions pay on average $1,370 more annually to insure a Hyundai Kona
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Drivers under the age of 20 are charged the highest rates, costing up to $370 each month if they have full coverage