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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The Kona is Hyundai’s fourth-most popular model, with more than 82,000 vehicles sold in 2024.[1] That’s not surprising, given that the Kona is an affordable, family-friendly subcompact SUV with advanced safety features and multiple trim options, including a fully electric model.
Kona insurance rates average $152 per month, which is close to the national average for all vehicles. But your personal rates can vary depending on trim level, repair costs, model year, and personal factors such as your age, driving record, and ZIP code. Comparing quotes from multiple companies can help you get the best deal on Kona auto insurance.
We break down the cheapest insurers and how to save on coverage below.
Hyundai Kona car insurance costs an average of $107 per month for liability coverage and $197 for full coverage.
Travelers, Certainly, and Mile Auto offer some of the cheapest average auto insurance rates for the Hyundai Kona.
The 2020 Kona is the cheapest to insure, while the 2024 model year is the most expensive.
Insurance premiums for a Hyundai Kona depend mainly on the type of policy you choose. Liability-only policies cover damage and injuries you cause to others, while full-coverage policies include liability insurance plus coverage for your own vehicle and injuries.
The table below shows the average monthly Kona premiums for both policy types and how they compare to the national average across all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Hyundai Kona | $107 | $197 | $152 |
| All vehicles | $108 | $193 | $150 |
Hyundai Kona car insurance rates average $107 per month for liability only and $197 for full coverage — both of which are right around the national averages for all vehicles. That said, these broad averages aren’t necessarily the best indicator of what you’ll actually pay.
In the following sections, we’ll break down how auto insurance rates vary based on factors like age, location, driving record, coverage options, and your Kona’s model year and trim level.
Regardless of average rates, you can still find ways to save on Kona car insurance. Start by shopping around and comparing rates from different insurers.
The companies featured in the table below have the most competitive rates for Kona drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $72 |
| Certainly | $84 |
| Mile Auto | $93 |
| Safeco | $95 |
| Clearcover | $99 |
Travelers has the cheapest average auto insurance cost for the Kona, at $72 per month. But while these insurance companies have the cheapest averages, they may not be the most affordable for all Kona drivers.
Comparing car insurance quotes from multiple companies is the best way to get the cheapest insurance coverage for your Kona.
Next, we’ll highlight some of the best insurers for Hyundai Kona drivers.
Comparing personalized quotes is the only way to find the best coverage.
No single company is the best for all Kona owners. Your best option depends on your budget, driving profile, and coverage needs. We selected the companies below based on a mix of average Kona rates, available discounts, reviews, and coverage options.
Here are our top picks for young drivers, senior drivers, and those who want maximum protection for their Kona.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Teens and young drivers often pay a high price for car insurance, but State Farm offers multiple ways to get cheaper rates. Substantial discounts are possible through the company’s Steer Clear safe driving program and its Drive Safe & Save telematics program.
State Farm also offers discounts for good grades and completion of a driver education course. In its 2025 U.S. Auto Insurance Study, J.D. Power also ranked it high for customer satisfaction ratings.[2]
Many young driver discounts
24/7 claims support
Rideshare coverage available
Expensive rates for drivers with spotty records
Fewer coverage options than competitors
Many customer complaints[3]
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Kona drivers who need full coverage should consider Safeco. It offers multiple optional coverages, such as roadside assistance, rental car reimbursement, and new car replacement for newer Kona vehicle models.
As a safe driver, you can earn savings toward your deductible with diminishing deductible rewards and cash back at each policy renewal if you don’t file a claim.
Multiple safe driving rewards available
Customizable full-coverage policies
Deductible rewards
Quotes not available online
Below-average customer ratings
Coverage available only through independent agents
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $179/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $233/mo |
Customers appreciate the pleasant customer service and AARP discounts but dislike the frequent price increases and complex payment process.
Customers appreciate the pleasant customer service and AARP discounts but dislike the frequent price increases and complex payment process.
Seniors who are AARP members automatically receive a 10% discount on car insurance with The Hartford. The insurer offers basic liability policies as well as customizable full-coverage lans with optional coverages like full glass coverage, gap insurance, roadside assistance, and rental car reimbursement.
And with The Hartford, you can also save with discounts if you bundle home and auto insurance, complete a state-approved defensive driver course, or sign up for the TrueLane telematics program.
Lower rates for AARP members
Highly customizable coverage
Above-average claims satisfaction
Higher rates than some competitors
No new car replacement coverage
Agent availability varies by region
Comparing quotes can save you up to $867.†
Your Kona’s age can have an effect on your insurance cost. In general, the more your car is worth, the more it costs to insure. So, newer Konas with higher replacement costs usually have more expensive premiums.
Check out the table below to see average monthly premiums for each Kona model year, according to Compare.com data.
Kona Model Year | Average Monthly Premium |
|---|---|
| 2025 | $158 |
| 2024 | $171 |
| 2023 | $167 |
| 2022 | $151 |
| 2021 | $155 |
| 2020 | $138 |
| 2019 | $142 |
| 2018 | $145 |
Car insurance premiums can vary significantly by where you live due to factors like accident rates, local repair costs, state laws, and weather.
Here’s a breakdown of average monthly rates in each state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $89 |
| Arizona | $120 |
| Arkansas | $172 |
| California | $172 |
| Colorado | $140 |
| Connecticut | $273 |
| Delaware | $166 |
| Florida | $175 |
| Georgia | $178 |
| Idaho | $90 |
| Illinois | $112 |
| Indiana | $97 |
| Iowa | $81 |
| Kansas | $110 |
| Kentucky | $175 |
| Louisiana | $162 |
| Maine | $106 |
| Maryland | $247 |
| Massachusetts | $135 |
| Michigan | $210 |
| Minnesota | $135 |
| Mississippi | $135 |
| Missouri | $131 |
| Montana | $109 |
| Nebraska | $126 |
| Nevada | $214 |
| New Hampshire | $82 |
| New Jersey | $142 |
| New Mexico | $104 |
| New York | $345 |
| North Carolina | $67 |
| North Dakota | $104 |
| Ohio | $91 |
| Oklahoma | $116 |
| Oregon | $115 |
| Pennsylvania | $117 |
| Rhode Island | $103 |
| South Carolina | $197 |
| South Dakota | $87 |
| Tennessee | $101 |
| Texas | $159 |
| Utah | $130 |
| Vermont | $97 |
| Virginia | $130 |
| Washington | $100 |
| District of Columbia | $204 |
| West Virginia | $104 |
| Wisconsin | $91 |
| Wyoming | $87 |
Age is one of the most important factors insurance companies use to determine your car insurance premium. Young drivers — especially teens — pay the highest rates due to their lack of experience and higher likelihood of getting into accidents.
The table below shows average monthly rates by age group for Kona drivers, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $286 |
| Adults | $139 |
| Seniors | $117 |
Insurance premiums for teen Kona drivers average $286 per month — more than double the cost for adults. Rates are cheapest for seniors, averaging $117 per month, based on our research.
Your driving record can help or hurt your car insurance cost. Insurers use your history of tickets, accidents, and other violations to determine your risk of filing a claim. The riskier you are, the more you’ll pay to insure your Hyundai Kona.
Check out the table below to see average rates for Kona drivers with different driving profiles, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $152 |
| Speeding ticket | $211 |
| At-fault accident | $220 |
| DUI | $250 |
Kona drivers with a clean record pay an average of $152 per month, while just one at-fault accident can raise your rates by $68 per month. A DUI conviction carries the highest cost, with an average premium increase of almost $100 per month.
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Insurers also consider your vehicle type, safety ratings, repair costs, and crime statistics when determining rates.
SUVs like the Hyundai Kona cost around 8% less to insure than a car, according to our research. But we also found that electric models cost about 8% more to insure, so you might pay more if you buy an electric Kona.
Safety features like all-wheel drive, forward collision warning, and lane-keep assist can help you qualify for a discount but might raise your rate slightly due to higher parts and repair costs.
If you’re in the market for a Hyundai Kona, compare quotes for different model years and trim levels to find the right vehicle for your budget. A car insurance comparison site is one of the quickest ways to get many quotes all in one place.
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If you’re ready to lower your Hyundai Kona car insurance costs, here are a few tips that may help:
Check your annual mileage. If you drive less than the national average (around 12,200 miles per year, according to Kelley Blue Book),[4] you might be eligible for a low-mileage discount or save even more with pay-per-mile insurance.
Consider a higher deductible. If you can afford the higher out-of-pocket cost when filing a claim, raising your comprehensive and collision coverage deductibles can lower your monthly premium.
Bundle your insurance policies. Insuring your Kona along with your home or renters insurance can help you unlock multi-policy savings.
Compare quotes regularly. Check rates with other companies when your policy renews to ensure you’re still getting the best price for your coverage needs.
Get personalized quotes for your Hyundai Kona.
We answered common questions people ask about Hyundai Kona auto insurance.
Not really. The cost to insure a Hyundai Kona is right around the national average for all vehicles, averaging $152 per month, according to Compare.com data.
Travelers is the cheapest insurance company for a Hyundai Kona, with average rates around $72 per month, according to Compare.com data. But this is just the average, and your rate may be higher or lower depending on your unique driver profile and coverage needs.
A 2025 Hyundai Kona costs around $158 per month for car insurance, according to Compare.com data.
Hyundais actually cost about the same as other vehicles, averaging $155 per month for car insurance, according to Compare.com data. Remember, your personal rate depends on factors like your age, driving record, state, and coverage needs.
The Kona is the cheapest Hyundai to insure. Its monthly rate averages $152, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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