Hyundai Kona Insurance Rates

Estimated insurance rates for a Hyundai Kona are $1,168 a year for full coverage. Comprehensive insurance costs an estimated $226, collision insurance costs $430, and liability coverage is $376. Liability-only insurance costs around $426 a year, and high-risk driver insurance costs $2,538 or more. Teen drivers pay the most at up to $4,438 a year.

Average premium for full coverage: $1,168

Premium estimates broken down by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all Kona models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The example below illustrates how location impacts insurance prices.

These rate differences show why everyone should compare rates quotes for a targeted area and risk profile, rather than 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 other coverage scenarios.

• The lowest rate with discounts is $672
• Raising to $1,000 deductibles will save approximately $148 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,168
• Choosing pricier low deductibles will cost an extra $292 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,538
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $4,438

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Insurance prices for a Hyundai Kona also have a wide range based on your driving characteristics, the trim level of your Kona, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $4,400 a year. View Rates by Age

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 $770 a year in states like Iowa, Maine, and Idaho, or as much as $1,670 on average in New York, Louisiana, and Michigan.

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Choosing high deductibles can reduce prices by up to $440 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,400 to $1,900 additional annually, depending on your age. Hyundai Kona insurance for high-risk drivers is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates

How to Find More Affordable Hyundai Kona Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a summary of the data touched on above.

• Consumers who want higher liability limits will pay about $410 each year to raise from 30/60 bodily injury limits to 250/500 limits
• Drivers can save approximately $140 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $450 each year
• Teenagers are expensive to insure, as much as $370 per month including comprehensive and collision insurance