Hyundai Kona Insurance Rates

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UPDATED: Apr 26, 2024

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The average insurance prices for a Hyundai Kona are $1,186 every 12 months for full coverage. Comprehensive costs approximately $240, collision insurance costs $446, and liability is $364. Liability-only insurance costs around $416 a year, and high-risk driver insurance costs around $2,572. 16-year-old 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:

Comprehensive $240
Collision $446
Liability $364

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Kona models.

Price Range Variability

For the normal driver, Hyundai Kona insurance rates range from the cheapest price of $416 for the bare minimum liability coverage to the much higher price of $2,572 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.

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

The examples above show why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on rate 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 Information

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

  • The best full coverage rate is $681
  • Raising to $1,000 deductibles will save $156 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,186
  • Buying pricier low deductibles increases the price to $1,488
  • Drivers with multiple tickets or accidents could pay around $2,572
  • Policy cost to insure a 16-year-old driver for full coverage can cost $4,466

View Chart as Image

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

Auto insurance rates for a Hyundai Kona also range considerably based on liability limits and deductibles, your driver profile, and the model of your Kona.

Opting for high physical damage deductibles can reduce rates by up to $460 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. Hyundai Kona insurance for high-risk drivers is expensive and can cost from 45% to 131% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Hyundai Kona insurance prices. A middle-age driver might find rates as low as $780 a year in states like Iowa, Maine, and Idaho, or at least $1,690 on average in New York, Louisiana, and Michigan.

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
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

Finding cheaper rates on insurance for a Hyundai Kona consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a condensed summary of the information presented in the illustrations above.

  • Drivers can save around $140 per year just by quoting online well ahead of the renewal date
  • Teenage drivers have the highest car insurance rates, costing up to $372 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save as much as $450 each year
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,390 more per year for auto insurance
  • Insureds who purchase higher levels of liability will pay around $400 each year to raise from a 30/60 limit to a 250/500 level

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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