Hyundai Kona Insurance Rates

Average insurance rates for a Hyundai Kona are $1,168 a year for full coverage. Comprehensive insurance costs an estimated $226 each year, collision insurance costs $430, and liability costs $376. Liability-only coverage costs as little as $426 a year, and high-risk coverage costs $2,538 or more. Teens receive the highest rates at up to $4,438 a year.

Average premium for full coverage: $1,168

Rate estimates broken down by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Kona models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine insurance prices.

These examples show why all drivers should compare rates for a targeted area and risk profile, instead of using averaged prices.

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

More Rate Information

The chart below shows average Hyundai Kona insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $672
• Drivers who choose higher $1,000 deductibles will pay approximately $148 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,168
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $292 every year
• Higher-risk drivers with serious driving violations could pay up to $2,538
• The cost for full coverage for a teen driver can cost as much as $4,438 a year

View Chart as Image

Car insurance rates for a Hyundai Kona can also vary considerably based on your driver profile, the trim level of your Kona, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,400 a year. View Rates by Age

Where you live makes a big difference in Hyundai Kona insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,670 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $440 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Hyundai Kona Insurance

Saving money on car insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Invest time comparing rates at least every other year by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The items below are a summary of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers who have multiple accidents or major violations pay an average of $1,370 more annually to insure their Kona
• Drivers can save approximately $140 per year just by quoting online in advance
• Increasing deductibles can save around $450 each year
• Policyholders who want more liability coverage will pay approximately $410 each year to go from a minimum limit to 250/500 limits