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 insurance prices for a Hyundai Kona are $1,168 every 12 months for full coverage. Comprehensive costs an estimated $226 a year, collision costs $430, and liability insurance costs $376. Liability-only coverage costs as little as $426 a year, with high-risk coverage costing around $2,538. Teen drivers pay the most at $4,438 a year or more.
Average premium for full coverage: $1,168
Premium estimates broken down by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Kona trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Hyundai Kona go from the cheapest price of $426 for just the minimum liability insurance to a high of $2,538 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.
The diagram below illustrates how location helps determine insurance prices.
These rate differences show why it is important to compare rates for a targeted area and their own driving history, rather than relying on price 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 Analysis
The chart below shows estimated Hyundai Kona insurance rates for other coverage scenarios.
- The lowest rate with discounts is $672
- Drivers who choose higher $1,000 deductibles will pay approximately $1,020 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,168
- Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,460
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,538 or more
- An auto insurance policy to insure a teen driver can cost as much as $4,438 a year
Insurance prices for a Hyundai Kona also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $440 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $339 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or as much as $1,670 on average in New York, Louisiana, and Michigan.
| 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 know which insurance company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the prices will be substantially different.
| 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 Shop for More Affordable Hyundai Kona Insurance
Finding better rates on Hyundai Kona insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every policy renewal by quoting rates from direct carriers, and also from several local insurance agents.
The points below are a summary of the data covered in the charts and tables above.
- Drivers who want increased liability limits will pay about $410 each year to go from 30/60 bodily injury limits to a 250/500 level
- Drivers can save approximately $140 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $450 each year
- Drivers under the age of 20 are charged the highest prices, as much as $370 per month if they have full coverage
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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