Hyundai Kona Insurance Rates

U.S. average insurance rates for a Hyundai Kona are $1,168 a year for full coverage insurance. Comprehensive costs on average $226 a year, collision insurance costs $430, and liability coverage costs $376. Liability-only coverage costs as little as $426 a year, and high-risk coverage 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:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Kona trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Hyundai Kona insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $672
• Drivers who choose higher $1,000 deductibles will pay around $1,020 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,168
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,460
• High-risk insureds with serious driving violations could pay upwards of $2,538
• The price that insures a teenage driver may cost $4,438 a year

View Chart as Image

Auto insurance prices for a Hyundai Kona are also quite variable based on the trim level of your Kona, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,400 a year. View Rates by Age

The state you live in makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,580 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $440 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit

How to Find More Affordable Hyundai Kona Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates at least every other year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a summary of the car insurance concepts illustrated above.

• Drivers who have multiple accidents or major violations may pay on average $1,370 more each year for auto insurance
• It is possible to save as much as $140 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $450 each year
• Consumers who require higher levels of liability will pay approximately $410 annually to go from a low limit to the 250/500 level