Hyundai Kona Car Insurance: How Much Should You Expect to Pay?

The average car insurance premium for a Hyundai Kona averages out to be around $148 monthly. Check out our most recent guide to find out how much insurance carriers might charge you to insure your Hyundai Kona.

Quick Facts

  • A Hyundai Kona is more expensive to insure than the average SUV.

  • Full coverage for a Kona typically tends to be around $161 per month, while liability only auto insurance premiums average about $82.

  • NationalGeneral provides the cheapest average premiums for a Kona with liability only coverage offered for sometimes as little as $34 a month.

Kona Overview

With 2022 models starting at $20,950, the Hyundai Kona is a great SUV for all budgets. There's a Kona for every driver, with your choice of four different trim options.

We ran through thousands of car insurance quotes on Compare.com, and we've determined that average Hyundai Kona insurance rates run around $148 per month. How do auto insurance prices for the Kona compare to premiums of other similar SUVs?

Current Base Price$20,950
Body Style(s)SUV
Trim LevelsSEL/SE, LIMITED, N LINE, SEL
Average Insurance Premium$148/mo.
Cheapest Insurance CompanyNationalGeneral

How Much is Car Insurance for a Hyundai Kona?

Vehicle Liability Only Full Coverage
Hyundai Kona$82$161
All Hyundai Models$88$174
All SUVs$81$152
Average Insurance Premium$81$169

You'll see in the table above that insurance rates for a Hyundai Kona are about average compared to other vehicles on the road. Kona owners usually pay around $161 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $82 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models, the Kona is slightly less expensive, with prices about 7% lower than other vehicles in Hyundai's lineup. Compared to SUV offerings from other brands, car insurance for a Kona is similarly on the expensive side, with liability only insurance rates coming in around 1% more and 6% more for full coverage.

Compared to all vehicles of any body type, auto insurance premiums for both liability only and full coverage policies run higher than average.

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Who has the Cheapest Car Insurance for a Hyundai Kona?

Insurance Company Average Monthly Premium
Safeco$27
MetroMile$27
Acceptance$32
NationalGeneral$34
Kemper Personal Insurance$35

Browsing for an auto insurance policy for your Hyundai Kona? You're probably most interested in which carrier offers the most affordable premiums. While prices can shift dramatically from between drivers, the lowest average rates for liability only insurance are as low as $27 per month from Safeco. and Metromile

The third, fourth, and fifth companies on the list are Acceptance, NationalGeneral, and Kemper Personal Insurance. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since car insurance companies look at lots of different things when calculating premiums. By getting quotes from several insurance carriers at once, you can be sure you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Hyundai Kona?

There are lots of factors that auto insurance companies use to choose how much to charge you for car insurance -- and every carrier weighs certain variables more than others, so there's not one single company that's the cheapest for each driver.

Below are just a few of the variables auto insurance carriers look at and how each one affects your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$79
2-3 Years$88
4-5 YearsNot Enough Data
6-7 YearsNot Enough Data
8-10 YearsNot Enough Data
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

Since the Hyundai Kona has only been around for two or three model years, vehicle age won't affect your cost in the same way it might for other vehicles. Normally, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually go lower.

As you can see in the table above, Kona rates are between $79 and $88 monthly, on average.

Your Age

Age Average Monthly Premium
Under 18Not Enough Data
18-24$93
25-34$79
35-44$75
45-54$93
55-64$93
65 or Older$69

Age makes a difference in how much you pay for insurance. Because the Hyundai Kona is pretty new to the market, we're just starting to collect data on how age is affecting car insurance premiums. So far, based on the table above, drivers under 24 have more expensive prices than those who have more experience on the road.

Auto insurance prices continue to decrease as you get older, with drivers aged 45-54 making up the cheapest age group for the Kona.

Your Gender

Gender Average Monthly Premium
Male$83
Female$81

Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. So, insurance companies will tend to offer women more affordable rates. When it comes to Kona drivers specifically, women pay about $2 less than men a month for auto insurance.

Where You Live

State Average Monthly Premium
California$53
Florida$165
Georgia$207
Illinois$45
New York$156
North Carolina$48
Ohio$35
Pennsylvania$54
Texas$59
Virginia$62

You might already know that things like what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live matters, too. Because car insurance is regulated at the state level, premiums can change quite a bit from state to state.

Because the Kona is a relatively new vehicle, our data on all 50 states is somewhat limited. Even so, you can see in the table above that New York and Georgia have rates that are significantly more expensive than other locations. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change across states.

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Hyundai Kona Car Insurance Discounts

No matter your home state, your car, or your age, it's always important to take advantage of as many insurance discounts as possible when shopping around for a policy.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

  • Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than in monthly installments
  • Multi-policy discounts for getting both your home and auto policies from the same company
  • Multi-car discounts for having several vehicles on your auto policy
  • Defensive driving discounts for taking a defensive driving class through an accredited school or institution

While discounts are always a good way to save money on your car insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

You obviously can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), but there is quite a bit that you can control. Below are just a few of the ones you can use to your favor when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$74
Multiple Accidents$81
1 Ticket$92
Multiple Tickets$117

You've no doubt observed ads from car insurance carriers promoting large discounts for responsible drivers. It makes sense that your auto insurance premiums will increase if you get into an accident or get tickets for speeding. But you still might be left wondering exactly how much these infractions will cost you.

Unfortunately, we don't have enough data on file for Hyundai Kona drivers specifically, since it is a relatively new SUV. However, we'll have a better idea of how much infractions will cost Kona drivers when it comes to car insurance as we see more and more of these on the road.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$74
2,501-5,000 Miles$86
5,001-7,500 Miles$52
7,501-10,000 Miles$86
10,000+ Miles$79

Another variable that affects your auto insurance prices is the total distance you drive. Those who drive less often are less likely to get into accidents, so they'll generally end up paying less for insurance. Since the Hyundai Kona is a new SUV, our data is relatively limited, so we don't yet know how much annual driving distance will affect rates.

If you drive a limited amount, you might consider choosing a usage-based or pay-per-mile car insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Hyundai Konas Compare to Other Vehicles?

If you're considering purchasing a new SUV and a Hyundai Kona is on your shortlist, it might be helpful to do your due diligence. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

Review the table below to see how the Hyundai Kona stacks up:

Hyundai Kona National Average
Liability Insurance$67$81
Full Coverage Insurance$188$169
Base MSRP$22,750$41,045
Average Annual Mileage9,15511,673

Overall, the Hyundai Kona is a fantastic value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. While the national average vehicle price is $41,045, the Kona starts at just $22,750.

Full coverage insurance for a Hyundai Kona is around $19 per month more than average, while liability only coverage is $14 cheaper per month.

When it comes to usage, Hyundai Kona owners drive fewer miles annually than the national average, with 9,155 miles per year compared to 11,673 for all vehicles.

Hyundai Kona Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much you might pay for auto insurance. But if you're in thinking about buying a new car, truck, or SUV and the Kona is on your wishlist, having a good idea of exactly what you'll pay can be extremely valuable as you weigh your options.

So we've done the heavy lifting and analyzed Hyundai Kona insurance premiums by model year. Choose a specific Kona model year in the dropdown below and see average rates for both liability only and full coverage, as well as some other helpful info, like the base MSRP, which trim levels are offered, and who offers the most affordable policies for each Kona model year.

2022 Hyundai Kona Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$188
Base MSRP$20,950
Cheapest Insurance CompanyAmica - $24/mo.
Available TrimsLIMITED, N LINE, SEL, SEL/SE

On average, drivers who own a 2022 Kona can expect to pay $67 to $188 monthly for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Amica offered liability only coverage for sometimes as low as $24 a month.

If you want to know exactly how much you can expect to pay for your Kona, just enter your ZIP code below and get free quotes in minutes.

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2021 Hyundai Kona Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$174
Base MSRP$20,400
Cheapest Insurance CompanyMercury - $27/mo.
Available TrimsLIMITED, NIGHT, SE, SEL, SEL PLUS, ULTIMATE

You can expect full coverage for a 2021 Hyundai Kona to run about $174 per month, while liability only coverage will average around $79 monthly.

If you're looking for the lowest possible 2021 Hyundai Kona insurance policy, Mercury offered the cheapest policy we found, with rates as low as just $27 a month.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2020 Hyundai Kona Car Insurance

   
Liability Only Avg. Premium$89
Full Coverage Avg. Premium$168
Base MSRP$20,300
Cheapest Insurance CompanyMetroMile - $19/mo.
Available TrimsLIMITED, SE, SEL, SEL PLUS, ULTIMATE

2020 Kona drivers can expect to pay an average of $89 monthly for liability or $168 for full coverage.

We found MetroMile offered the most affordable policy, with rates as cheap as $19 per month.

Want to find the lowest rates? Enter your ZIP code below to get a variety of customized quotes for free.

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2019 Hyundai Kona Car Insurance

   
Liability Only Avg. Premium$87
Full Coverage Avg. Premium$151
Base MSRP$19,990
Cheapest Insurance CompanySafeco - $22/mo.
Available TrimsLIMITED, SE, SEL, SEL/TECH, ULTIMATE

The average cost to insure a 2019 Hyundai Kona with liability only coverage is $87 a month, while full coverage runs about $151 monthly.

Safeco has rates as cheap as just $22 per month for the 2019 Hyundai Kona.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2018 Hyundai Kona Car Insurance

   
Liability Only Avg. Premium$65
Full Coverage Avg. Premium$154
Base MSRP$19,500
Cheapest Insurance CompanyMetroMile - $23/mo.
Available TrimsLIMITED, SE, SEL, SEL/TECH, ULTIMATE

It costs around $65 monthly for liability or $154 for a full coverage policy for the 2018 Kona.

MetroMile offered the most affordable policy we found, with rates as little as just $23 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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Hyundai Kona Insurance FAQs

Is a Hyundai Kona expensive to insure?

Liability insurance runs an average of $82 per month, while full coverage will cost you around $161. When compared to the national average of all SUVs, prices come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Hyundai Kona?

The only way to ensure you're getting the cheapest price on car insurance is to check prices regularly and compare quotes from a bunch of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a wide array of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Hyundai Kona affect my insurance rates?

You might have heard the old adage that red cars cost more to insure, but that's just a myth. Although there are multiple factors insurance companies use when they decide how much to charge for auto insurance, the color of your Hyundai Kona is not one of them.

Do I need to have insurance before I buy a Hyundai Kona?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid car insurance for it. Some dealerships will offer you an auto insurance policy as part of the buying process, but the easiest thing to do is to let your insurance carrier know before you buy.

What car insurance discounts can I get for my Hyundai Kona?

There are several different discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your Kona and more on you, but if your Kona has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to know is to get in touch with your insurance company and ask about their list of discounts.

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