Hyundai Kona Insurance Rates

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UPDATED: Apr 26, 2024

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U.S. average insurance rates for a Hyundai Kona are $1,168 a year including full coverage. Comprehensive costs an estimated $226 each year, collision costs $430, and liability is $376. A policy with just liability insurance costs around $426 a year, with coverage for high-risk drivers costing around $2,538. Teens pay the highest rates at $4,438 a year or more.

Average premium for full coverage: $1,168

Price estimates broken down by individual coverage:

Comprehensive $226
Collision $430
Liability $376

Price estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Kona models.

Price Range from Low to High

For a 40-year-old driver, Hyundai Kona insurance prices go from as low as $426 for just the minimum liability insurance to a high rate of $2,538 for a high-risk insurance policy.

Liability Only $426
Full Coverage $1,168
High Risk $2,538

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change insurance prices.

Rural Areas $876
Small Cities $1,226
Large Cities $1,577

The ranges above highlight why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based 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.

Additional Rate Analysis

The chart below breaks down estimated Hyundai Kona insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $672
  • Raising to $1,000 deductibles will save approximately $148 every year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,168
  • Selecting low deductibles will increase the cost to $1,460
  • Drivers with serious driving violations could pay up to $2,538 or more
  • The price for full coverage for a 16-year-old driver can cost as much as $4,438

View Chart as Image

Hyundai Kona insurance cost comparison chart
Column chart showing full coverage Hyundai Kona insurance rates range from $672 to $4,438

Insurance prices for a Hyundai Kona are also quite variable based on your driving record, the model of your Kona, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age

The state you live in also has a big influence on Hyundai Kona insurance prices. A middle-age driver might find prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,670 on average in Louisiana, New York, and Michigan.

Hyundai Kona Insurance Rates by State
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%

View Chart as Image

Hyundai Kona insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $339 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 133% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, so the prices may be quite different from one company to the next.

Hyundai Kona Insurance Rates by Model Year
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 Find Cheaper Hyundai Kona Insurance

Getting lower rates on insurance for a Hyundai Kona consists of not taking risks behind the wheel, maintaining good credit, being claim-free, and taking advantage of discounts. Invest the time to shop around at least every other year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a condensed summary of the car insurance concepts illustrated above.

  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,370 more annually for Kona insurance
  • You may be able to save approximately $140 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save around $450 each year
  • Insureds who want higher liability limits will pay approximately $410 per year to raise from a low limit to 250/500 limits

Rates by Driver Age

Hyundai Kona Insurance 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

Hyundai Kona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,460
$250 $1,324
$500 $1,168
$1,000 $1,020

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Kona Insurance Rates with Different Liability Limits
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

Hyundai Kona Insurance 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.

SR-22 Surcharge $165

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
Rate after discounts $672

Discounts are estimated and may not be available from every company or in every state.

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