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: 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 costs approximately $240 each year, collision costs $446, and liability coverage costs around $364. Buying just liability costs as low as $416 a year, with insurance for high-risk drivers costing around $2,572. Teen drivers pay the highest rates at $4,466 a year or more.

Average premium for full coverage: $1,186

Price estimates by individual coverage:

Comprehensive $240
Collision $446
Liability $364

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Kona models.

Price Range from Low to High

Using a 40-year-old driver as an example, Hyundai Kona insurance prices go from the cheapest price of $416 for minimum levels of liability insurance to a high rate of $2,572 for a driver who requires high-risk insurance.

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

Geographic Price Range

Where you live has a large influence on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance prices.

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

The ranges above demonstrate why all drivers should compare prices using their specific location and their own driving history, 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 details estimated Hyundai Kona insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $681
  • Using higher $1,000 deductibles will save $156 annually
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,186
  • Choosing low deductibles for physical damage coverage increases the price to $1,488
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,572 or more
  • The price to insure a teenage driver can cost $4,466 or more

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

Insurance prices for a Hyundai Kona are also quite variable based on deductibles and policy limits, your driving record, and the model of your Kona.

Choosing high deductibles could cut prices by as much as $460 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $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 anywhere from $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can be around 45% to 131% more than average. 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 Utah, Ohio, and New Hampshire, or as much as $1,600 on average in New York, Michigan, 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

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and prices may be quite different.

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 Shop for Cheaper Hyundai Kona Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a condensed summary of the concepts that were raised in the charts and tables above.

  • Drivers with multiple at-fault accidents could be forced to pay on average $1,390 more per year for car insurance
  • Teenagers are the costliest to insure, costing up to $372 a month if full coverage is included
  • You may be able to save around $140 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save as much as $450 each year
  • You may be able to save around $140 per year simply by quoting online in advance

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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