Hyundai Kona Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average auto insurance rates for a Hyundai Kona are $1,186 annually including full coverage. Comprehensive costs on average $240, collision costs $446, and liability coverage costs $364. A liability-only policy costs as little as $416 a year, with high-risk insurance costing around $2,572. Teen drivers cost the most to insure at $4,466 a year or more.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Comprehensive $240
Collision $446
Liability $364

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Kona models.

Price Range Variability

For a driver around age 40, Hyundai Kona insurance rates go from as cheap as $416 for liability-only coverage to the much higher price of $2,572 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on car insurance rates.

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

The examples above highlight why everyone should compare rates based on a specific location 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.

Additional Charts and Tables

The chart below breaks down estimated Hyundai Kona insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $681
  • Drivers who choose higher $1,000 deductibles will pay around $156 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,186
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,488
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,572 or more
  • Policy cost with full coverage for a teenage driver for full coverage may cost $4,466 a year

View Chart as Image

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

Car insurance rates for a Hyundai Kona also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Hyundai Kona insurance for high-risk drivers can cost around 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $460 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.

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

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy Affordable Hyundai Kona Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief review of the information covered above.

  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
  • Drivers age 16 to 20 are expensive to insure, with premiums being up to $372 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save up to $450 each year
  • Drivers with DUI or reckless driving convictions pay on average $1,390 more each year than a safer driver
  • Consumers who require an increased level of liability coverage will pay about $400 per year to go from a 30/60 limit to higher 250/500 limits

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles