Hyundai Kona Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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Average auto insurance rates for a Hyundai Kona are $1,168 annually for full coverage. Comprehensive insurance costs around $226, collision insurance costs $430, and liability costs $376. A policy with just liability insurance costs as little as $426 a year, and coverage for high-risk drivers costs $2,538 or more. Teenage drivers receive the highest rates at up to $4,438 a year.
Average premium for full coverage: $1,168
Rate estimates for individual coverage type:
These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Kona models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $426 for just liability insurance to the much higher price of $2,538 for a driver who requires high-risk insurance.
Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities. The example below illustrates how where you live affects auto insurance rates.
These examples show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of using 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.
More Rate Details
The chart below shows average Hyundai Kona insurance rates for additional coverage choices and driver risks.
- The best discount rate is $672
- Drivers who choose higher $1,000 deductibles will pay about $148 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,168
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $292 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,538
- The cost with full coverage for a teen driver for full coverage can be $4,438 a year
Insurance rates for a Hyundai Kona can also vary considerably based on the trim level of your Kona, your driver profile, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $1,900 additional per year, depending on your age. Hyundai Kona insurance for high-risk drivers can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $440 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit
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 Idaho, Maine, and Iowa, or be forced to pay as much as $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% |
| 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 Buy Cheap Hyundai Kona Insurance
Saving money on car insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a brief summary of the concepts that were touched on in the above illustrations.
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,370 more every year for Kona insurance
- Teens are charged the highest rates, costing as high as $370 per month if they have full coverage
- Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $450 each year
- Drivers can save up to $140 per year just 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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