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...

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UPDATED: Apr 26, 2024

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Estimated insurance rates for a Hyundai Kona are $1,186 a year with full coverage. Comprehensive costs around $240 each year, collision insurance costs $446, and liability is $364. Liability-only coverage costs around $416 a year, and high-risk coverage costs around $2,572. 16-year-old drivers pay the most at up to $4,466 a year.

Average premium for full coverage: $1,186

Premium estimates for type of coverage:

Comprehensive $240
Collision $446
Liability $364

Includes $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Kona models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Hyundai Kona range from as low as $416 for a discount liability-only rate to a high rate of $2,572 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.

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

These rate differences demonstrate why all drivers should compare rates quotes for a specific zip code and risk profile, instead of using rate averages.

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.

Rates by State, City, and Model

The chart below details average Hyundai Kona insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $681
  • Raising to $1,000 deductibles will save about $156 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,186
  • Buying low deductibles will increase the cost to $1,488
  • At-risk drivers with multiple tickets or accidents could pay at least $2,572
  • An auto insurance policy for full coverage for a teen driver can be $4,466

View Chart as Image

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

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

More mature drivers with a clean driving record and high deductibles may pay as little as $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 can expect to pay as much as $4,400 a year. View Rates by Age

Where you choose to live also has a big influence on Hyundai Kona insurance prices. A middle-age driver might find prices as low as $850 a year in states like New Hampshire, Ohio, and Utah, or at least $1,600 on average in Florida, Michigan, and New York.

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

Opting for high physical damage deductibles can reduce prices by up to $460 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 131% more than the average rate. View High Risk Driver Rates

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 the Cheapest Hyundai Kona Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a recap of the data illustrated above.

  • Policyholders who may need higher levels of liability will pay around $400 every year to raise from 30/60 bodily injury limits to 250/500 limits
  • You may be able to save up to $140 per year just by quoting online in advance
  • Increasing policy deductibles can save around $450 each year
  • Teenage drivers pay higher prices, possibly costing $372 per month for full coverage

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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