Hyundai Kona Insurance Rates
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Michelle Robbins
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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 for full coverage. Comprehensive costs around $226 a year, collision costs $430, and liability costs around $376. Liability-only insurance costs as low as $426 a year, with high-risk driver insurance 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 for type of insurance:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Kona trim levels.
Price Range Variability
For a driver in their 40's, Hyundai Kona insurance rates go from as low as $426 for basic liability insurance to a high of $2,538 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance rates.
The examples above show why it is important to compare prices for a specific zip code 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.
Rate Comparisons
The chart below shows estimated Hyundai Kona insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $672
- Using higher $1,000 deductibles will save about $1,020 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,168
- Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,460
- High-risk insureds with serious driving violations could pay at least $2,538 or more
- Policy cost for full coverage for a 16-year-old driver can be $4,438 or more
Auto insurance rates for a Hyundai Kona also range considerably based on your risk profile, the trim level of your Kona, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,400 a year. View Rates by Age
Your home state has a huge impact on Hyundai Kona insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,670 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to get quotes from multiple companies. Each insurance company calculates rates differently, and quoted rates will be varied from one company to the next.
| 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 Right Hyundai Kona Insurance
Finding cheaper rates on insurance for a Hyundai Kona requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The points below are a quick rundown of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,370 more every year to insure a Hyundai Kona
- Drivers under the age of 20 are expensive to insure, costing up to $370 each month if they have full coverage
- Drivers can save up to $140 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $450 each year
- Drivers can save up to $140 per year simply by quoting early and online
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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