Hyundai Kona Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 26, 2024
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The average insurance rates for a Hyundai Kona are $1,168 a year for full coverage. Comprehensive costs on average $226, collision costs $430, and liability insurance costs around $376. Liability-only coverage costs as low as $426 a year, with high-risk coverage costing around $2,538. Teens cost the most to insure at $4,438 a year or more.
Average premium for full coverage: $1,168
Policy rates by type of insurance:
Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Kona models.
Price Range Variability
Using a middle-aged driver as an example, Hyundai Kona insurance rates go from the low end price of $426 for your basic liability-only policy to the much higher price of $2,538 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.
The example below illustrates how where you live affects car insurance rates.
The examples above show why everyone should compare prices based on a specific location, rather than relying on averaged prices.
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.
More Rate Information
The chart below shows estimated Hyundai Kona insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $672
- Using higher $1,000 deductibles will save around $148 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,168
- Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,460
- Drivers with serious driving violations could pay upwards of $2,538 or more
- Policy cost that insures a teen driver for full coverage may cost $4,438 or more
Insurance rates for a Hyundai Kona also range considerably based on the model of your Kona, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $1,900 additional every year, depending on your age. Hyundai Kona insurance for high-risk drivers can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age
Your home state has a huge impact on Hyundai Kona insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,670 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, and rates will be varied.
| 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 Find Affordable Hyundai Kona Insurance
Finding cheaper rates on Hyundai Kona insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates at every other renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.
The following is a brief review of the concepts that were touched on in the above illustrations.
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,370 more each year for Kona insurance
- Teens pay higher rates, costing up to $370 each month if comprehensive and collision insurance is included
- Drivers can save as much as $140 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Drivers can save as much as $140 per year simply by quoting online well ahead of the renewal date
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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