Hyundai Kona Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 26, 2024
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Estimated auto insurance rates for a Hyundai Kona are $1,168 annually for full coverage insurance. Comprehensive costs around $226 a year, collision costs $430, and liability insurance is $376. Liability-only coverage costs around $426 a year, with high-risk coverage costing around $2,538. 16-year-old drivers pay the most at $4,438 a year or more.
Average premium for full coverage: $1,168
Premium estimates for type of coverage:
These estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Kona trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Hyundai Kona go from as cheap as $426 for the bare minimum liability coverage to a high of $2,538 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities.
The diagram below illustrates how location impacts auto insurance rates.
These rate differences illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.
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 Information
The chart below illustrates estimated Hyundai Kona insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $672
- Raising to $1,000 deductibles will save about $1,020 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,168
- Buying low $100 deductibles will cost $1,460
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,538 or more
- An auto insurance policy with full coverage for a teen driver can be $4,438
Insurance prices for a Hyundai Kona also have a wide range based on the model of your Kona, your risk profile, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $440 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $339 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Hyundai Kona insurance rates. A middle-age driver might find prices as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,580 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different between companies.
| 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 Buy Cheap Hyundai Kona Insurance
Finding better rates on Hyundai Kona insurance consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Spend time shopping around every year by getting rate quotes from direct insurance companies, and also from several local insurance agents.
Below is a brief summary of the coverage data touched on above.
- It is possible to save up to $140 per year simply by quoting early and online
- Increasing policy deductibles could save up to $450 each year
- Teenage drivers pay higher prices, with premiums being up to $370 per month including comprehensive and collision insurance
- High-risk drivers that tend to have accidents or serious violations pay on average $1,370 more every year for auto insurance
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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