Hyundai Kona Insurance Rates

U.S. average insurance rates for a Hyundai Kona are $1,168 a year including full coverage. Comprehensive costs around $226 each year, collision insurance costs $430, and liability coverage costs $376. Liability-only coverage costs as little as $426 a year, and high-risk coverage costs around $2,538. Teen drivers pay the highest rates at up to $4,438 a year.

Average premium for full coverage: $1,168

Price estimates for individual coverage:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Kona models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above highlight why all drivers should compare rates for a specific zip code, rather than using price averages.

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

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
• Drivers who choose higher $1,000 deductibles will pay about $148 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,168
• Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,460
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,538
• The price that insures a teenage driver can be $4,438 a year

View Chart as Image

Auto insurance prices for a Hyundai Kona are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,400 to $1,900 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age

The state you live in makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Choosing high deductibles could save up to $440 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit

How to Find Affordable Hyundai Kona Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Shop around every couple of years by getting quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a brief review of the material that was presented in the illustrations above.

• Consumers who may need more liability coverage will pay about $410 per year to go from a low limit to the 250/500 level
• Teen drivers are expensive to insure, possibly costing $370 a month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions may have to pay on average $1,370 more every year to insure their Kona
• Increasing physical damage deductibles can save approximately $450 each year