Hyundai Kona Insurance Rates

The average insurance prices for a Hyundai Kona are $1,204 every 12 months with full coverage. Comprehensive insurance costs approximately $248, collision insurance costs $466, and liability coverage costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs $2,608 or more. 16-year-old drivers cost the most to insure at up to $4,500 a year.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Prices include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and 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 has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than congested 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 their own driving history, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $692
• Using higher $1,000 deductibles will save $162 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,204
• Buying more expensive low deductibles for physical damage coverage costs an extra $316 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,608
• Policy cost to insure a teenage driver with full coverage can cost $4,500 or more

View Chart as Image

Insurance rates for a Hyundai Kona also range considerably based on liability limits and deductibles, your driving record, and the model of your Kona.

Opting for high physical damage deductibles could cut rates by as much as $480 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, 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 around 44% to 130% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Hyundai Kona insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for the Right Hyundai Kona Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates at least every other year by requesting quotes from direct companies, and also from insurance agencies where you live.

The following is a quick rundown of the car insurance concepts touched on in this article.

• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,400 more per year for Kona insurance
• You may be able to save around $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Consumers who purchase higher liability limits will pay around $390 every year to increase from a 30/60 limit to a 250/500 level