Hyundai Kona Insurance Rates
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Michelle Robbins
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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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U.S. average insurance prices for a Hyundai Kona are $1,168 every 12 months for full coverage. Comprehensive costs approximately $226 each year, collision insurance costs $430, and liability insurance is estimated at $376. Buying just liability costs approximately $426 a year, and insurance for high-risk drivers costs around $2,538. Teens pay the highest rates at up to $4,438 a year.
Average premium for full coverage: $1,168
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Kona models.
Price Range from Low to High
For an average driver, Hyundai Kona insurance prices range from the cheapest price of $426 for a discount liability-only rate to a high rate of $2,538 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance prices.
The ranges above show why all drivers should get quotes using their specific location and their own driving history, rather than relying on averaged prices.
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.
Rates by State, City, and Model
The chart below shows average Hyundai Kona insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $672
- Choosing higher $1,000 deductibles can save $148 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,168
- Selecting low deductibles for comp and collision coverage increases the price to $1,460
- High-risk insureds with serious driving violations could pay around $2,538
- The price to insure a teen driver can cost $4,438 each year
Insurance prices for a Hyundai Kona are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Kona.
Choosing higher comprehensive and collision insurance deductibles can save as much as $440 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $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 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates
The state you live in 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 have to pay at least $1,670 on average in New York, Louisiana, 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% |
| 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 Cheap Hyundai Kona Insurance
Getting lower rates on Hyundai Kona insurance takes being a good driver, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a quick review of the car insurance concepts covered in the above illustrations.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,370 more per year than a safer driver
- Drivers can save around $140 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $450 each year
- Drivers who purchase an increased level of liability coverage will pay approximately $410 each year to raise limits from a low 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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