Hyundai Kona Insurance Rates

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UPDATED: Apr 26, 2024

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U.S. average insurance prices for a Hyundai Kona are $1,186 every 12 months including full coverage. Comprehensive costs an estimated $240 each year, collision costs $446, and liability insurance costs $364. Liability-only coverage costs as little as $416 a year, with high-risk coverage costing around $2,572. Teenage drivers pay the highest rates at $4,466 a year or more.

Average premium for full coverage: $1,186

Price estimates broken down by individual coverage:

Comprehensive $240
Collision $446
Liability $364

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Kona models.

Price Range from Low to High

For a 40-year-old driver, Hyundai Kona insurance prices go from the cheapest price of $416 for the bare minimum liability coverage to a high rate of $2,572 for a policy for a high-risk driver.

Liability Only $416
Full Coverage $1,186
High Risk $2,572

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

Rural Areas $890
Small Cities $1,245
Large Cities $1,601

The ranges above highlight why all drivers should compare rates for a targeted area and their own driving history, rather than relying on average rates.

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 breaks down estimated Hyundai Kona insurance rates for other coverage scenarios.

  • The best discount rate is $681
  • Drivers who choose higher $1,000 deductibles will pay approximately $156 every year
  • The average price for the average middle-age driver who has $500 deductibles is $1,186
  • Using low deductibles for comprehensive and collision insurance increases the price to $1,488
  • High risk drivers who are prone to accidents and violations could pay up to $2,572 or more
  • The price to insure a teen driver can cost as much as $4,466 a year

View Chart as Image

Hyundai Kona insurance cost comparison chart
Column chart showing full coverage Hyundai Kona insurance rates range from $681 to $4,466

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

Using high physical damage deductibles could save up to $460 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,690 on average in Louisiana, New York, and Michigan.

Hyundai Kona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,072 -$114 -9.6%
Alaska $910 -$276 -23.3%
Arizona $982 -$204 -17.2%
Arkansas $1,186 -$0 0.0%
California $1,350 $164 13.8%
Colorado $1,130 -$56 -4.7%
Connecticut $1,216 $30 2.5%
Delaware $1,338 $152 12.8%
Florida $1,480 $294 24.8%
Georgia $1,096 -$90 -7.6%
Hawaii $852 -$334 -28.2%
Idaho $804 -$382 -32.2%
Illinois $882 -$304 -25.6%
Indiana $894 -$292 -24.6%
Iowa $800 -$386 -32.5%
Kansas $1,126 -$60 -5.1%
Kentucky $1,616 $430 36.3%
Louisiana $1,754 $568 47.9%
Maine $734 -$452 -38.1%
Maryland $980 -$206 -17.4%
Massachusetts $946 -$240 -20.2%
Michigan $2,058 $872 73.5%
Minnesota $994 -$192 -16.2%
Mississippi $1,420 $234 19.7%
Missouri $1,052 -$134 -11.3%
Montana $1,274 $88 7.4%
Nebraska $934 -$252 -21.2%
Nevada $1,422 $236 19.9%
New Hampshire $854 -$332 -28.0%
New Jersey $1,326 $140 11.8%
New Mexico $1,050 -$136 -11.5%
New York $1,248 $62 5.2%
North Carolina $682 -$504 -42.5%
North Dakota $972 -$214 -18.0%
Ohio $818 -$368 -31.0%
Oklahoma $1,216 $30 2.5%
Oregon $1,086 -$100 -8.4%
Pennsylvania $1,130 -$56 -4.7%
Rhode Island $1,580 $394 33.2%
South Carolina $1,074 -$112 -9.4%
South Dakota $1,000 -$186 -15.7%
Tennessee $1,038 -$148 -12.5%
Texas $1,430 $244 20.6%
Utah $876 -$310 -26.1%
Vermont $810 -$376 -31.7%
Virginia $710 -$476 -40.1%
Washington $914 -$272 -22.9%
West Virginia $1,088 -$98 -8.3%
Wisconsin $818 -$368 -31.0%
Wyoming $1,054 -$132 -11.1%

View Chart as Image

Hyundai Kona insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different.

Hyundai Kona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Kona $268 $482 $332 $1,218
2023 Hyundai Kona $256 $478 $338 $1,208
2022 Hyundai Kona $248 $466 $354 $1,204
2021 Hyundai Kona $240 $446 $364 $1,186
2020 Hyundai Kona $226 $430 $376 $1,168
2019 Hyundai Kona $218 $400 $384 $1,138
2018 Hyundai Kona $208 $376 $388 $1,108

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 the Best Cheap Hyundai Kona Insurance

Getting lower rates on Hyundai Kona insurance not only requires being a good driver, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to shop around every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a quick review of the coverage data illustrated above.

  • You may be able to save approximately $140 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save as much as $450 each year
  • Drivers age 16 to 20 are the costliest to insure, possibly costing $372 a month if comprehensive and collision insurance is included
  • High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,390 more annually than a safer driver

Rates by Driver Age

Hyundai Kona Insurance Rates by Driver Age
Driver Age Premium
16 $4,466
20 $2,744
30 $1,234
40 $1,186
50 $1,086
60 $1,066

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Kona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,488
$250 $1,348
$500 $1,186
$1,000 $1,030

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Kona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,186
50/100 $1,259
100/300 $1,350
250/500 $1,586
100 CSL $1,295
300 CSL $1,495
500 CSL $1,641

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Kona Insurance Rates for High Risk Drivers
Age Premium
16 $6,372
20 $4,368
30 $2,624
40 $2,572
50 $2,454
60 $2,432

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.

SR-22 Surcharge $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $87
5-yr Claim Free $77
Paid in Full/EFT $54
Advance Quote $59
Online Quote $84
Total Discounts $505
Rate after discounts $681

Discounts are estimated and may not be available from every company or in every state.

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