Hyundai Kona Insurance Rates
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UPDATED: Apr 26, 2024
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U.S. average insurance prices for a Hyundai Kona are $1,186 every 12 months with full coverage. Comprehensive insurance costs around $240, collision costs $446, and liability coverage costs around $364. Liability-only insurance costs as low as $416 a year, with high-risk driver insurance costing $2,572 or more. Teens pay the highest rates at $4,466 a year or more.
Average premium for full coverage: $1,186
Price estimates for individual coverage:
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 $416 for your basic liability-only policy to a much higher rate of $2,572 for high-risk insurance.
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.
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 $681
- Using higher $1,000 deductibles will save about $156 annually
- The average price for the average middle-age driver using $500 deductibles is $1,186
- Selecting more expensive low deductibles for physical damage coverage costs an extra $302 each year
- Higher-risk drivers with serious driving violations could pay at least $2,572 or more
- The price to insure a teenage driver with full coverage can be $4,466 or more
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 $460 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 $327 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 $2,000 extra each year, depending on your age. High-risk driver insurance can be around 45% to 131% 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 $850 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,600 on average in Florida, Michigan, and New York.
| 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% |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Kona | $280 | $500 | $316 | $1,232 |
| 2023 Hyundai Kona | $268 | $482 | $332 | $1,218 |
| 2022 Hyundai Kona | $256 | $478 | $338 | $1,208 |
| 2021 Hyundai Kona | $248 | $466 | $354 | $1,204 |
| 2020 Hyundai Kona | $240 | $446 | $364 | $1,186 |
| 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 $400 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 $372 a month if the policy includes full coverage
- Drivers who have multiple accidents or major violations pay on average $1,390 more every year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $450 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,488 |
| $250 | $1,348 |
| $500 | $1,186 |
| $1,000 | $1,030 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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