Hyundai Kona Insurance Rates

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UPDATED: Apr 26, 2024

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The average insurance rates for a Hyundai Kona are $1,168 a year including full coverage. Comprehensive costs approximately $226 each year, collision costs $430, and liability coverage costs $376. Liability-only coverage costs as little as $426 a year, with high-risk coverage costing around $2,538. Teens cost the most to insure at $4,438 a year or more.

Average premium for full coverage: $1,168

Policy rates by type of insurance:

Comprehensive $226
Collision $430
Liability $376

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Kona models.

Price Range Variability

Using a 40-year-old driver as an example, Hyundai Kona insurance rates go from the low end price of $426 for just the minimum liability insurance to a high rate of $2,538 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance prices.

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

The examples above highlight why all drivers should compare rates using their specific location, rather than using 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 additional coverage and risk scenarios.

  • The cheapest rate after discounts is $672
  • Drivers who choose higher $1,000 deductibles will pay $148 every year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,168
  • Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,460
  • High-risk insureds with serious driving violations could pay around $2,538 or more
  • Policy cost that insures a teenage driver can cost $4,438 a year

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 rates for a Hyundai Kona also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state 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 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 could save up to $440 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Every company calculates rates differently, and rates will be varied.

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 the Cheapest Hyundai Kona Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following items are a recap of the primary concepts that were raised in the charts and tables above.

  • You may be able to save around $140 per year simply by quoting online in advance
  • Drivers that have major violations or accidents will likely pay on average $1,370 more per year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles can save approximately $450 each year
  • 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $370 each month if comprehensive and collision insurance is included

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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