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Hyundai Kona Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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U.S. average insurance prices for a Hyundai Kona are $1,168 every 12 months with full coverage. Comprehensive insurance costs around $226, collision costs $430, and liability coverage costs around $376. Liability-only insurance costs as low as $426 a year, with high-risk driver insurance costing $2,538 or more. Teens pay the highest rates at $4,438 a year or more.

Average premium for full coverage: $1,168

Price estimates for individual coverage:

Comprehensive $226
Collision $430
Liability $376

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different Kona trim levels.

Price Range from Low to High

For a 40-year-old driver, Hyundai Kona insurance prices go from the cheapest price of $426 for your basic liability-only policy to a much higher rate of $2,538 for high-risk insurance.

Liability Only $426
Full Coverage $1,168
High Risk $2,538

Geographic Price Range

Where you live has a large influence on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $876
Small Cities $1,226
Large Cities $1,577

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using 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.

More Rate Information

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

  • The cheapest rate after discounts is $672
  • Using higher $1,000 deductibles will save about $148 annually
  • The average price for the average middle-age driver using $500 deductibles is $1,168
  • Selecting more expensive low deductibles for physical damage coverage costs an extra $292 each year
  • Higher-risk drivers with serious driving violations could pay at least $2,538 or more
  • The price to insure a teenage driver with full coverage can be $4,438 or more

View Chart as Image

Hyundai Kona insurance cost comparison chart
Column chart showing full coverage Hyundai Kona insurance prices range from $672 to $4,438

Car insurance prices for a Hyundai Kona are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $440 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $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 least $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance can be around 43% to 133% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Hyundai Kona insurance rates. A driver around age 40 might see prices as low as $840 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,580 on average in Florida, Michigan, and New York.

Hyundai Kona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,056 -$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%

View Chart as Image

Hyundai Kona insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes may be quite different.

Hyundai Kona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Hyundai Kona $226 $430 $376 $1,168
2018 Hyundai Kona $218 $400 $384 $1,138

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 More Affordable Hyundai Kona Insurance

Getting lower rates on auto insurance requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a summary of the material that was illustrated above.

  • Consumers who may need additional liability coverage will pay approximately $410 every year to increase from a low limit to a 250/500 level
  • 16 to 18-year-old drivers are the costliest to insure, costing up to $370 a month if the policy includes full coverage
  • Drivers who have multiple accidents or major violations pay on average $1,370 more every year than a driver with a clean driving record
  • Increasing physical damage deductibles could save as much as $450 each year

Rates by Driver Age

Hyundai Kona Insurance 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

Hyundai Kona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,460
$250 $1,324
$500 $1,168
$1,000 $1,020

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Kona Insurance Rates with Different Liability Limits
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

Hyundai Kona Insurance 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.

SR-22 Surcharge $165

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
Rate after discounts $672

Discounts are estimated and may not be available from every company or in every state.

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