Hyundai Kona Insurance Rates

The average insurance rates for a Hyundai Kona are $1,204 a year for full coverage insurance. Comprehensive insurance costs on average $248 a year, collision insurance costs $466, and liability coverage costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs $2,608 or more. Teens cost the most to insure at up to $4,500 a year.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Kona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates average Hyundai Kona insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $692
• Using higher $1,000 deductibles will save around $1,042 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,204
• Selecting low $100 deductibles for physical damage coverage will cost an additional $316 each year
• Higher-risk drivers with serious driving violations could pay upwards of $2,608
• Policy cost that insures a teenage driver may cost $4,500 or more

View Chart as Image

Insurance rates for a Hyundai Kona also range considerably based on the trim level of your Kona, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,500 a year. View Rates by Age

Your home state has a huge impact on Hyundai Kona insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $480 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Hyundai Kona Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Compare rates at least every other year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a recap of the car insurance concepts presented in the illustrations above.

• Drivers that have major violations or accidents may pay on average $1,400 more each year to buy Hyundai Kona insurance
• It is possible to save as much as $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Consumers who require increased levels of liability coverage will pay approximately $390 annually to increase from a 30/60 limit to the 250/500 level