Hyundai Kona Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 26, 2024
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U.S. average insurance prices for a Hyundai Kona are $1,186 every 12 months with full coverage. Comprehensive insurance costs on average $240, collision costs $446, and liability costs around $364. Buying just liability costs as low as $416 a year, with insurance for high-risk drivers costing $2,572 or more. Teens pay the highest rates at $4,466 a year or more.
Average premium for full coverage: $1,186
Price estimates by individual coverage:
These estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Kona trim levels.
Price Range from Low to High
For the normal driver, Hyundai Kona insurance prices go from the cheapest price of $416 for just the minimum liability insurance to a much higher rate of $2,572 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Rural areas have more infrequent collision claims than cities with more traffic congestion.
The price range example below illustrates how geographic area affects car insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based 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.
Additional Rate Analysis
The chart below details estimated Hyundai Kona insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $681
- Using higher $1,000 deductibles will save around $156 annually
- The average price for the average middle-age driver with $500 deductibles is $1,186
- Selecting more expensive low deductibles for physical damage coverage costs an extra $302 annually
- High-risk insureds with serious driving violations could pay upwards of $2,572 or more
- The price to insure a 16-year-old driver with full coverage may cost $4,466 or more
Insurance prices for a Hyundai Kona are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Kona.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $460 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can be from 45% to 131% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Hyundai Kona insurance prices. A driver around age 40 might see prices as low as $850 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,600 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to compare prices from multiple companies. Each insurance company calculates prices differently, and prices may be quite different.
| 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 Shop for Cheap Hyundai Kona Insurance
Getting lower rates on insurance for a Hyundai Kona requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates at least every other year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a brief summary of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,390 more each year for Kona insurance
- You may be able to save as much as $140 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $450 each year
- Insureds who require higher liability limits will pay approximately $400 every year to increase from a low limit to a 250/500 level
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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