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 for full coverage. Comprehensive costs approximately $226, collision costs $430, and liability insurance costs around $376. A policy with just liability insurance costs as low as $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 by individual coverage:

Comprehensive $226
Collision $430
Liability $376

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Kona trim levels.

Price Range from Low to High

For a driver in their 40's, Hyundai Kona insurance prices go from the low end price of $426 for your basic liability-only policy to a much higher rate of $2,538 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance prices.

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

The ranges above show why anyone shopping for car insurance should compare prices using their specific location, 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.

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More Rate Information

The chart below shows estimated Hyundai Kona insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $672
  • Using higher $1,000 deductibles will save $148 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,168
  • Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,460
  • Drivers with serious driving violations could pay around $2,538 or more
  • The price that insures a teen driver with full coverage can cost $4,438 or more

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 the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,400 a year. View Rates by Age

The state you live in has a huge impact on Hyundai Kona insurance rates. A driver around age 40 might see prices 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.

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 cut prices by as much as $440 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $339 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Each insurance company calculates prices differently, so the prices may be quite different.

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 Best Cheap Hyundai Kona Insurance

Getting lower rates on Hyundai Kona insurance requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The list below is a quick review of the data covered in the charts and tables above.

  • Drivers who purchase higher liability limits will pay approximately $410 each year to increase from a low limit to the 250/500 level
  • Drivers can save around $140 per year simply by shopping early and online
  • Increasing physical damage deductibles can save approximately $450 each year
  • Teenagers are expensive to insure, with premiums as much as $370 a month if full coverage 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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