Hyundai Kona Insurance Rates

The average auto insurance rates for a Hyundai Kona are $1,168 annually for full coverage. Comprehensive costs on average $226 a year, collision insurance costs $430, and liability costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs around $2,538. Teen drivers cost the most to insure at up to $4,438 a year.

Average premium for full coverage: $1,168

Policy rates by type of insurance:

These estimates include $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Kona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above show why it is important to compare prices based on a specific location and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $672
• Using higher $1,000 deductibles will save around $1,020 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,168
• Choosing low $100 deductibles for physical damage coverage will cost $1,460
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,538
• Policy cost with full coverage for a teen driver may cost $4,438 or more

View Chart as Image

Car insurance rates for a Hyundai Kona also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $440 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

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 as much as $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheap Hyundai Kona Insurance

Finding cheaper rates on car insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a brief summary of the data that was raised in the charts and tables above.

• Drivers can save as much as $140 per year just by quoting early and online
• Policyholders who require increased levels of liability coverage will pay about $410 each year to increase from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing up to $370 each month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,370 more each year to buy Hyundai Kona insurance