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...

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UPDATED: Aug 23, 2022

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Average insurance rates for a Hyundai Kona are $1,186 a year for full coverage insurance. Comprehensive insurance costs around $240 each year, collision insurance costs $446, and liability coverage costs $364. A liability-only policy costs as little as $416 a year, and high-risk insurance costs $2,572 or more. Teen drivers receive the highest rates at up to $4,466 a year.

Average premium for full coverage: $1,186

Rate estimates for individual coverage type:

Comprehensive $240
Collision $446
Liability $364

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Kona models.

Price Range by Coverage and Risk

For the normal driver, prices range range from as low as $416 for minimum levels of liability insurance to a high rate of $2,572 for high-risk insurance.

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

Price Range by Location

Your location has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.

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

These examples illustrate why all drivers should compare rates for a specific zip code and risk profile, 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 Rate Details

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

  • The lowest rate with discounts is $681
  • Drivers who choose higher $1,000 deductibles will pay about $156 each year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,186
  • Choosing low deductibles for comprehensive and collision insurance will cost an extra $302 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,572
  • The cost for full coverage for a teenage driver can be $4,466 a year

View Chart as Image

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

Insurance rates for a Hyundai Kona can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,400 a year. View Rates by Age

Where you live makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,600 on average in Michigan, New York, and Florida.

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

Choosing high deductibles could save up to $460 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 131% more than average. View High Risk Driver Rates

Hyundai Kona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Hyundai Kona $240 $446 $364 $1,186
2018 Hyundai Kona $226 $430 $376 $1,168

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 Find the Right Hyundai Kona Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates every couple of years by quoting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the material that was presented in the illustrations above.

  • Consumers who may need more liability protection will pay about $400 annually to go from a minimum limit to 250/500 limits
  • Youthful drivers pay higher rates, costing up to $372 per month for full coverage
  • Drivers with reckless driving or DUI convictions may pay on average $1,390 more every year than a low-risk driver
  • Increasing deductibles can save around $450 each year

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.

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