Hyundai Kona Insurance Rates

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2020 Hyundai Kona Car Insurance Cost in 2025 – 5 Tricks for Cheapest Prices

Searching for cheaper auto insurance rates for your Hyundai Kona? Consumers who are new to the process of buying insurance online might discover purchasing low cost insurance is harder than they anticipated. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Pricing more affordable coverage is easy if you know what you're doing. ...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Apr 26, 2024

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The average insurance rates for a Hyundai Kona are $1,186 a year with full coverage. Comprehensive insurance costs approximately $240, collision costs $446, and liability is estimated at $364. Liability-only insurance costs approximately $416 a year, with high-risk driver insurance costing $2,572 or more. Teenage drivers cost the most to insure at $4,466 a year or more.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Comprehensive $240
Collision $446
Liability $364

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

Price Range Variability

For a driver around age 40, Hyundai Kona insurance rates go from the low end price of $416 for just liability coverage to the much higher price of $2,572 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

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

The examples above demonstrate why everyone should get quotes using their specific location, instead of making a decision based 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.

Detailed Rate Analysis

The chart below details estimated Hyundai Kona insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $681
  • Choosing higher $1,000 deductibles can save $156 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,186
  • Using pricier low deductibles for comp and collision coverage will cost an additional $302 annually
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,572 or more
  • Policy cost that insures a 16-year-old driver for full coverage can cost $4,466 each year

View Chart as Image

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

Auto insurance rates for a Hyundai Kona also range considerably based on the model of your Kona, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. Hyundai Kona insurance for high-risk drivers ranges from 45% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Hyundai Kona insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,600 on average in New York, Michigan, and Florida.

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

Using high physical damage deductibles can save as much as $460 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

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 Find Affordable Hyundai Kona Insurance

Finding cheaper rates on insurance for a Hyundai Kona takes being safe and accident-free, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices at least every other year by getting rate quotes from direct companies, and also from local insurance agencies.

Below you'll find a brief review of the car insurance concepts covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,390 more per year than a low-risk driver
  • You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $450 each year
  • Insureds who purchase more liability protection will pay an extra $400 every year to raise limits from a 30/60 limit to the 250/500 level

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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