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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Estimated auto insurance rates for a Hyundai Kona are $1,186 annually for full coverage. Comprehensive insurance costs an estimated $240, collision insurance costs $446, and liability coverage is $364. A policy with only liability insurance costs around $416 a year, and a high-risk policy costs $2,572 or more. Teen drivers pay the most at up to $4,466 a year.
Average premium for full coverage: $1,186
Premium estimates broken down by type of coverage:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Kona trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Hyundai Kona range from as cheap as $416 for a discount liability-only rate to a much higher rate of $2,572 for a driver that may need high-risk insurance.
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 fewer accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using price 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 shows average Hyundai Kona insurance rates for other coverage scenarios.
- The lowest rate with discounts is $681
- Raising to $1,000 deductibles will save approximately $156 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,186
- Choosing more expensive low deductibles costs an additional $302 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,572
- An auto insurance policy with full coverage for a teenage driver with full coverage can cost as much as $4,466
Car insurance prices for a Hyundai Kona also have a wide range based on the model of your Kona, your driver profile, and liability limits and deductibles.
An older driver with no driving violations and high physical damage 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 without any violations or accidents they will be charged at least $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $460 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit
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 $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,690 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Buy Affordable Hyundai Kona Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and possibly higher deductibles. Take the time to compare rates once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
Below is a brief review of the data that was covered in the above illustrations.
- Drivers can save approximately $140 per year just by shopping early and online
- Consumers who want higher levels of liability will pay about $400 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Teenage drivers have the highest car insurance prices, as much as $372 per month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may pay on average $1,390 more annually for auto insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,488 |
| $250 | $1,348 |
| $500 | $1,186 |
| $1,000 | $1,030 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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