Hyundai Kona Insurance Rates

The average insurance rates for a Hyundai Kona are $1,186 a year with full coverage. Comprehensive costs approximately $240, collision insurance costs $446, and liability costs around $364. Liability-only coverage costs as low as $416 a year, and high-risk coverage costs around $2,572. Teenage drivers cost the most to insure at up to $4,466 a year.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

These estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Kona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below details average Hyundai Kona insurance rates for additional coverage and risk scenarios.

• The best discount rate is $681
• Using higher $1,000 deductibles will save $156 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,186
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,488
• Drivers who are prone to accidents and violations could pay around $2,572
• Policy cost for full coverage for a teen driver with full coverage can cost $4,466 or more

View Chart as Image

Insurance rates for a Hyundai Kona also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state has a huge impact on Hyundai Kona insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,600 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $460 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Hyundai Kona Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit history, not filing small claims, and consideration of higher deductibles. Make time to compare rates once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief summary of the data that was touched on in this article.

• You may be able to save around $140 per year just by shopping early and online
• Policyholders who purchase higher liability limits will pay an extra $400 every year to increase from a 30/60 limit to 250/500 limits
• Teens are the costliest to insure, as much as $372 each month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,390 more per year for Kona insurance