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: Aug 23, 2022

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Estimated insurance prices for a Hyundai Kona are $1,168 every 12 months with full coverage. Comprehensive costs around $226 each year, collision insurance costs $430, and liability coverage is estimated at $376. A liability-only policy costs approximately $426 a year, and high-risk insurance costs around $2,538. Teens pay the most at up to $4,438 a year.

Average premium for full coverage: $1,168

Premium estimates for type of coverage:

Comprehensive $226
Collision $430
Liability $376

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Kona models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Hyundai Kona range from the cheapest price of $426 for just liability coverage to a high rate of $2,538 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance rates.

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

These rate differences demonstrate why all drivers should get quotes 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.

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $672
  • Choosing higher $1,000 deductibles can save about $148 annually
  • The average price for a 40-year-old good driver using $500 deductibles is $1,168
  • Selecting low deductibles for comp and collision coverage increases the price to $1,460
  • Drivers with serious driving violations could pay at least $2,538
  • An auto insurance policy to insure a teenage driver can be $4,438 each year

View Chart as Image

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

Auto insurance prices for a Hyundai Kona also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $339 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,400 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Hyundai Kona insurance rates. A good driver about age 40 could pay 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
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 Low Cost Hyundai Kona Insurance

Finding better rates on auto insurance takes being safe and accident-free, having a good credit score, being claim-free, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by getting quotes from direct companies, and also from several local insurance agents.

Below you'll find a review of the data touched on in the above illustrations.

  • Consumers who may need more liability protection will pay approximately $410 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save up to $140 per year just by quoting online in advance
  • Increasing policy deductibles could save as much as $450 each year
  • Youthful drivers are expensive to insure, possibly costing $370 per month if comprehensive and collision insurance is included

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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