Hyundai Kona Car Insurance Cost 2025
The average cost to insure a Hyundai Kona is $1,897 per year. However, your actual rate may vary depending on factors like your age, the car’s model year, and other personal details. Check out our quote tables below for a personalized cost estimate.
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Insuring a Hyundai Kona typically costs around $1,897 per year, or about $158 per month, based on national averages for full coverage policies. This makes the Kona one of the more affordable compact SUVs to insure, especially when compared to larger or luxury models. However, your actual premium can vary depending on factors like your age, driving history, credit score, and location. For instance, drivers in states with higher accident rates or severe weather may pay more, while those with clean records and good credit might secure lower rates. To find the best deal, it’s wise to compare quotes from multiple insurers.
How Much Does Hyundai Kona Car Insurance Cost?
Typically, Hyundai Kona drivers can find car insurance at an average rate of $1,897 per year.
While Safeco’s rate serves as a useful reference point, it’s essential to recognize that the cost of car insurance can vary significantly due to various factors. These factors include your location, driving history, the model year of your car, and the specific coverage options you choose. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations can lead to higher costs.
Moreover, residing in an urban area with heavy traffic may lead to higher rates compared to rural areas with lighter traffic. The type of coverage you select will also affect your premium; comprehensive coverage, which includes both comprehensive and collision coverage, typically costs more than minimum liability coverage.
Insuranceopedia is available to assist you in shopping around and comparing quotes from different insurance companies, ensuring you find the best deal for your needs.
Average Insurance Cost Of Hyundai Kona Model Year
| Model Year | Average Premium |
| 2025 Hyundai Kona | $1,112 |
| 2024 Hyundai Kona | $1,006 |
| 2023 Hyundai Kona | $772 |
| 2022 Hyundai Kona | $674 |
| 2021 Hyundai Kona | $845 |
| 2020 Hyundai Kona | $784 |
| 2019 Hyundai Kona | $557 |
| 2018 Hyundai Kona | $750 |
2025 Hyundai Kona Insurance Rates
The average annual insurance cost for a 2025 Hyundai Kona is $1,112. However, American National offers the cheapest rates, averaging $567 per year.
| Insurance Provider | Average Annual Cost |
| American National | $567 |
| AssuranceAmerica Economy | $624 |
| Kemper Personal Insurance | $744 |
| NatGen PPA | $753 |
| Concord | $765 |
| Geico | $1,052 |
| Allied | $1,560 |
| Mercury Insurance | $1,244 |
| State Farm | $1,890 |
| Progressive | $1,925 |
2024 Hyundai Kona Insurance Rates
The average annual insurance cost for a 2024 Hyundai Kona is $1,006. However, Dairyland offers the cheapest rates, averaging $450 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $450 |
| American National P | $645 |
| Pekin Insurance | $991 |
| New York Central Mutual Fire | $1,418 |
| Safeco | $198 |
| SECURA Insurance | $1,159 |
| PEMCO | $1,280 |
| Mercury Insurance | $1,384 |
| USAA | $1,335 |
| Capital Insurance Group | $1,203 |
2023 Hyundai Kona Insurance Rates
The average annual insurance cost for a 2023 Hyundai Kona is $772. However, Safeco offers the cheapest rates, averaging $237 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $396 |
| American National P | $589 |
| Victoria | $625 |
| Titan | $1,184 |
| Safeco | $237 |
| Texas Farm Bureau Group | $853 |
| Capital Insurance Group | $1,030 |
| SECURA Insurance | $1,193 |
| Pekin Insurance | $1,039 |
| AssuranceAmerica | $570 |
2022 Hyundai Kona Insurance Rates
The average annual insurance cost for a 2022 Hyundai Kona is $674. However, NatGen PPA offers the cheapest rates, averaging $369 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $473 |
| NatGen Value | $586 |
| Mercury Insurance | $625 |
| Virginia Farm Bureau | $839 |
| NatGen PPA | $369 |
| Kemper Auto | $679 |
| American National P | $723 |
| Tennessee Farmers | $1,078 |
| MMG Insurance Company | $780 |
| Safeco | $587 |
2021 Hyundai Kona Insurance Rates
The average annual insurance cost for a 2021 Hyundai Kona is $845. However, Safeco offers the cheapest rates, averaging $483 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $512 |
| NatGen Value | $784 |
| Mercury Insurance | $709 |
| MMG Insurance Company | $1,043 |
| Safeco | $483 |
| Concord Group | $865 |
| Countryway Insurance | $930 |
| Texas Farm Bureau Group | $1,141 |
| Kemper Auto | Infinity | $1,091 |
| American National P | $895 |
2020 Hyundai Kona Insurance Rates
The average annual insurance cost for a 2020 Hyundai Kona is $784. However, NatGen Custom 360 offers the cheapest rates, averaging $361 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $361 |
| Mercury Insurance | $402 |
| Concord Group | $941 |
| Texas Farm Bureau Group | $1,004 |
| Safeco | $267 |
| American National P | $909 |
| Buckeye Insurance Group | $956 |
| PEMCO | $1,077 |
| North Carolina Farm Bureau | $997 |
| Countryway Insurance | $923 |
2019 Hyundai Kona Insurance Rates
The average annual insurance cost for a 2019 Hyundai Kona is $557. However, AssuranceAmerica offers the cheapest rates, averaging $148 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $307 |
| Dairyland FR Bond | $415 |
| Mercury Insurance | $438 |
| Concord Group | $782 |
| AssuranceAmerica | $148 |
| AssuranceAmerica Economy | $582 |
| Kemper Personal Insurance | $785 |
| AssuranceAmerica Elite | $848 |
| NatGen PPA | $724 |
| American National P | $541 |
2018 Hyundai Kona Insurance Rates
The average annual insurance cost for a 2018 Hyundai Kona is $750. However, AssuranceAmerica offers the cheapest rates, averaging $246 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $422 |
| American National P | $561 |
| Texas Farm Bureau Group | $755 |
| AssuranceAmerica Elite | $979 |
| AssuranceAmerica | $246 |
| Virginia Farm Bureau | $898 |
| Mercury Insurance Company | $915 |
| Utica National Ins Group | $986 |
| AssuranceAmerica Economy | $970 |
| Mercury Insurance | $767 |
Find Affordable Hyundai Kona Car Insurance
Is A Hyundai Kona Car Insurance Expensive To Insure?
The Hyundai Kona is generally considered affordable to insure compared to many other vehicles. The average annual cost for full coverage insurance on a Hyundai Kona is approximately $1,285, translating to about $107 per month. This figure can vary based on factors such as the driver’s age, location, driving history, and the specific model year of the vehicle. For instance, a 2023 Hyundai Kona has an average annual insurance cost of $1,829, while a 2022 model averages $1,556 per year. The Kona’s compact size, strong safety ratings, and low repair costs contribute to its lower insurance premiums, making it an economical choice for budget-conscious drivers.
Cost of Hyundai Kona Car Insurance By Age
Insurance rates are heavily influenced by age. Teen drivers often pay the highest premiums because they’re statistically more likely to be involved in accidents than other age groups. As you get older and gain experience on the road, you’re seen as less of a risk, which usually leads to lower insurance costs.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,363 | $9,371 | $10,928 |
| 18 | $5,983 | $8,735 | $10,176 |
| 19 | $5,264 | $7,732 | $9,055 |
| 20 | $4,523 | $6,672 | $7,818 |
| 21 | $3,861 | $5,618 | $6,640 |
| 22 | $3,706 | $5,517 | $6,446 |
| 23 | $3,267 | $4,771 | $5,652 |
| 24 | $3,082 | $4,561 | $5,365 |
| 25 | $2,658 | $3,992 | $4,627 |
| 30 | $2,115 | $3,090 | $3,615 |
| 35 | $1,985 | $2,889 | $3,403 |
| 40 | $1,912 | $2,791 | $3,241 |
| 45 | $1,839 | $2,690 | $3,100 |
| 55 | $1,699 | $2,416 | $2,878 |
| 65 | $1,782 | $2,605 | $2,962 |
| 75 | $2,201 | $3,286 | $3,744 |
Hyundai Kona Car Insurance Rates By State
Your location has a major impact on how insurance companies determine your rates. Since each state sets its own auto insurance regulations, premiums can vary widely—for instance, Michigan drivers often pay more due to the state’s requirement for higher coverage limits. Local climate also plays a role, especially in areas prone to severe weather like hurricanes, floods, or heavy storms. On top of that, insurers factor in regional data on crime, car theft, accidents, and fatality rates. All of these elements help shape the insurance cost for your Hyundai Kona.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,027 | $2,951 | $3,658 |
| Alaska | $1,702 | $2,245 | $2,225 |
| Arizona | $1,829 | $2,749 | $3,968 |
| Arkansas | $1,996 | $3,167 | $3,580 |
| California | $2,316 | $3,989 | $2,275 |
| Colorado | $2,112 | $3,011 | $3,734 |
| Connecticut | $2,668 | $4,194 | $5,391 |
| Delaware | $2,294 | $3,001 | $3,862 |
| Florida | $2,637 | $3,701 | $4,776 |
| Hawaii | $848 | $1,161 | $896 |
| Idaho | $1,465 | $2,023 | $2,444 |
| Illinois | $1,594 | $2,346 | $2,773 |
| Indiana | $1,663 | $2,444 | $2,738 |
| Iowa | $1,247 | $1,816 | $2,072 |
| Kansas | $1,744 | $2,458 | $2,913 |
| Kentucky | $2,467 | $3,641 | $4,343 |
| Louisiana | $3,190 | $4,865 | $5,184 |
| Maine | $1,157 | $1,610 | $2,473 |
| Maryland | $1,918 | $2,865 | $3,117 |
| Massachusetts | $1,608 | $2,761 | $1,557 |
| Michigan | $3,810 | $5,701 | $9,081 |
| Minnesota | $1,578 | $2,106 | $2,874 |
| Mississippi | $1,917 | $2,630 | $2,669 |
| Missouri | $1,792 | $2,543 | $3,276 |
| Montana | $1,746 | $2,505 | $2,863 |
| Nebraska | $1,569 | $2,290 | $2,427 |
| Nevada | $2,537 | $3,728 | $3,935 |
| New Hampshire | $1,704 | $2,717 | $3,515 |
| New Jersey | $1,938 | $3,052 | $3,970 |
| New Mexico | $1,907 | $2,888 | $2,969 |
| New York | $1,763 | $2,277 | $3,836 |
| North Carolina | $1,094 | $1,936 | $1,356 |
| North Dakota | $1,540 | $2,293 | $2,746 |
| Ohio | $1,364 | $2,112 | $2,138 |
| Oklahoma | $2,187 | $3,115 | $3,522 |
| Oregon | $1,974 | $2,684 | $3,187 |
| Pennsylvania | $1,658 | $2,414 | $2,829 |
| Rhode Island | $2,748 | $4,131 | $4,663 |
| South Carolina | $1,949 | $2,640 | $3,659 |
| South Dakota | $1,663 | $2,465 | $2,802 |
| Tennessee | $1,977 | $2,974 | $3,953 |
| Texas | $1,992 | $2,932 | $3,621 |
| Utah | $1,766 | $2,462 | $3,351 |
| Vermont | $1,312 | $2,019 | $2,156 |
| Virginia | $1,200 | $1,912 | $1,896 |
| Washington | $1,640 | $2,257 | $2,646 |
| West Virginia | $1,686 | $2,422 | $2,929 |
| Wisconsin | $1,656 | $2,592 | $2,933 |
| Wyoming | $1,553 | $2,208 | $2,332 |
| Georgia | $2,193 | $3,285 | $3,330 |
Cheapest Car Insurance Companies For A Hyundai Kona
Among these providers, USAA offers the most affordable monthly premium at $86, making it the cheapest option for insuring a Hyundai Kona. State Farm, on the other hand, has the highest monthly cost at $98 among the top five. The other companies—GEICO, Progressive, and Nationwide—fall somewhere in between, providing competitive rates that may vary depending on your location and personal driving profile.
| Insurance Company | Average Monthly Cost |
|---|---|
| State Farm | $98 |
| GEICO | $92 |
| USAA | $86 |
| Progressive | $97 |
| Nationwide | $94 |
Common Hyundai Kona Insurance Discounts
Taking advantage of discounts is an effective way to reduce your car insurance expenses. Although each insurance company offers different savings opportunities, some discounts are commonly available and worth checking out:
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Multi-policy discount: You can often get a lower rate if you combine your auto insurance with another policy, like homeowners or renters insurance, from the same provider.
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Pay-in-full discount: Paying your entire premium upfront instead of in monthly installments can earn you a price break.
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Defensive driving discount: Completing an approved defensive driving course may qualify you for a reduced rate.
There are also other potential discounts you might be eligible for, so it’s a good idea to speak with your insurance agent to explore all your options.
Compare Hyundai Kona To Other Hyundai Models
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Hyundai Kona?
You must show proof of insurance before taking your Hyundai Kona home from the dealership. The smartest approach is to purchase a policy in advance and notify your insurer that you’re buying a new vehicle, rather than relying on the dealership to arrange coverage for you.
How Can You Get The Cheapest Insurance For Your Hyundai Kona?
To get the lowest insurance rates for your Hyundai Kona, it’s best to compare quotes from several auto insurance companies. Luckily, Insuranceopedia makes this easy by letting you view and compare offers from multiple providers directly on our website.
