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Hyundai Kona Car Insurance [Rates + Comparison Guide]

Hyundai Kona car insurance costs on average $103 per month or $1,232 per year. The Hyundai Kona cost to own is around $25,000 after five years. For mature drivers with good driving records, Hyundai Kona insurance costs as low as $724 a year. Good drivers can save up to $508 per year by practicing safe driving habits.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 23, 2020

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Key takeaways:

  • Full coverage Hyundai Kona car insurance rates cost around $103 per month or 1,232 annually.
  • A liability-only policy on a 2020 Hyundai Kona costs around $41 per month or $494 a year.
  • The highest Hyundai Kona EV insurance costs are for teenage drivers at around $375 per month or $4,503 a year.
  • Good drivers can save as much as $508 annually on their Hyundai Kona by earning policy discounts.
  • Hyundai Kona insurance costs around $287 less per year than the average vehicle

Wondering is the Hyundai Kona expensive to insure? The Hyundai Kona car insurance costs are cheaper than the average vehicle in the country. The average Hyundai Kona car insurance rates are $103 per month or $1,232 annually. Good drivers can save up to $508 a year by being safe and courteous out on the road. 

Many factors impact your car insurance rates, including the age of your vehicle. For example, a 2020 Hyundai Kona will cost more to insure than a 2019 Hyundai Kona. Affordable Hyundai Kona car insurance is not out of reach, however.

Read our comprehensive guide to understand why you should compare car insurance rates before choosing a policy. We’ll look at more than just insurance rates, but also Hyundai Kona ratings, cost to own, and more. 

Looking to buy Hyundai Kona car insurance? Get the best Hyundai Kona car insurance quotes by entering your five-digit ZIP code into our FREE quote comparison tool above and start shopping.

Hyundai Kona Car Insurance Cost

The average Hyundai Kona car insurance rates are $1,232 a year or $103 a month. However, Hyundai offers another version of this mode, the Hyundai Kona EV, which is electric. The Hyundai Kona electric insurance rates will therefore look a little different. 

Check out various Hyundai Kona insurance quotes in the graph below, including low coverage averages and rates for teenage drivers.

Remember, the Hyundai Kona maintenance costs will also impact your insurance rates. Vehicles that cost more to fix or replace tend to also have higher insurance rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Are Hyundai Konas Expensive to Insure?

Officially, the Hyundai Kona Limited is a small SUV, otherwise known as a crossover. Some people may worry and wonder why are Hyundais so expensive to insure, and is the Hyundai Kona worth it compared to other vehicles in its class? 

The chart below details how Hyundai Kona insurance rates compare to other crossovers like the Lincoln MKT, Ford EcoSport, and Mazda CX-5.

Hyundai Kona Average Car Insurance Rates Compared to Cars in Same Class
VehicleComprehensiveCollisionLiabilityTotal
Hyundai Kona$280$500$316$1,232
Lincoln MKT$370$626$450$1,626
Ford EcoSport$280$500$372$1,310
Mazda CX-5$322$532$372$1,384
Honda HR-V$294$532$372$1,356
Toyota RAV4$280$482$390$1,310
Ford Escape$280$438$316$1,170
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The good news is that only the Ford Escape receives cheaper average total insurance rates than the Hyundai Kona. The Ford Escape vs the Hyundai Kona may not be favorable to the Kona, but the rest are.  Let’s take a look at what cars are most expensive to insure. The Toyota RAV4, Mazda CX-5, and Honda HR-V all cost more. 

However, there are a few things you can do to find the cheapest Hyundai insurance rates online. We recommend comparison shopping to make sure you receive the appropriate coverage you need for the lowest rate.

What Impacts the Cost of Hyundai Kona Car Insurance?

The Hyundai Kona trim and model you choose can impact the total price you will pay for Hyundai Kona insurance coverage.

For example, the Hyundai Kona electric model will vary in costs. The Hyundai Kona EV insurance costs are slightly higher. Luckily, the Hyundai Kona Electric safety ratings are very good.

Age of the Vehicle

Older Hyundai Kona models generally cost less to insure. For example, car insurance rates for a 2020 Hyundai Kona are $1,232, while the 2018 Hyundai Kona rates are $1,208, a difference of $24. 

Check out rates and compare Konas by model year in the following table.

Hyundai Kona Average Car Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal
2020 Hyundai Kona$280$500$316$1,232
2019 Hyundai Kona$268$482$332$1,218
2018 Hyundai Kona$256$478$338$1,208
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What year did the Kona Hyundai come out? The crossover was officially released in 2018, making it only a few years old. But as you can see, an older model or even a used Hyundai Kona will cost less in monthly insurance rates.

Driver Age

Driver age can have a significant effect on Hyundai Kona car insurance rates. As an example, a 30-year-old driver pays around $54 more each year for their Hyundai Kona car insurance than a 40-year-old driver.

See more details about driver age and Hyundai Kona insurance rates in the following graph.

Obviously, your age drastically changes your insurance rate for a Hyundai Kona. For example, the best auto insurance for seniors will be different than for teenagers. 

Driver Location

Where you live can also have a large impact on Hyundai Kona insurance rates. Denser cities tend to have higher rates than rural regions. For example, drivers in Los Angeles may pay $456 a year more than drivers in Philadelphia.

See rates for the Hyundai Kona in major cities across the United States in the following graph.

When calculating the Hyundai Kona cost to own, remember to also take into account the city you live in.

Your Driving Record

Your driving record can have an impact on the cost of Hyundai Kona auto insurance. Teens and drivers in their 20’s see the highest jump in their Hyundai Kona car insurance with violations on their driving record.

See how driving violations by age impact rates for insurance on a Hyundai Kona in the following graph.

Drivers with a perfect driving record always receive the lowest rates. Safe driving, at any age, always pays off.

Hyundai Kona Safety Ratings

Is Hyundai Kona a good car? One way to know is by looking at the safety ratings for the Hyundai Kona. 

The Hyundai Kona’s safety ratings will also affect your Hyundai Kona car insurance rates. Check out how the Insurance Institute for Highway Safety rates the Hyandai Kona in the table below.

2020 Hyundai Kona Safety Ratings
Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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The safety rating for a 2020 Hyundai Kona is nearly perfect. ‘Good’ is the best possible rating a car can receive. You’ll see lower rates as a result.

Hyundai Kona Crash Test Ratings

Good Hyundai Kona crash test ratings mean the VW is safer, which could mean cheaper Hyundai Kona car insurance rates. Take a look at the crash test ratings from the National Highway Traffic Safety Administration in the following table.

Hyundai Kona Crash Test Ratings by Model Year
Vehicle TestedOverallFrontalSideRollover
2020 Hyundai Kona SUV FWD5 stars5 stars5 stars4 stars
2020 Hyundai Kona SUV AWD5 stars5 stars5 stars4 stars
2020 Hyundai Kona Electric SUV FWDN/RN/RN/RN/R
2019 Hyundai Kona SUV FWD5 stars5 stars5 stars4 stars
2019 Hyundai Kona SUV AWD5 stars5 stars5 stars4 stars
2019 Hyundai Kona Electric SUV AWDN/RN/RN/RN/R
2018 Hyundai Kona SUV FWDN/RN/RN/RN/R
2018 Hyundai Kona SUV AWDN/RN/RN/RN/R
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Some models have not been rated. For example, no 2018 Hyundai Kona crash test ratings were performed by the National Highway Traffic Safety Administration. 

However, the Insurance Institute for Highway Saftey did perform a driver-side crash test on the 2018 Hyundai Kona. Check it out below.

Use the ratings from both institutions to help you determine if the Kona is a safe, reliable vehicle for you.

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Hyundai Kona Safety Features

The numerous safety features of the Hyundai Kona help contribute to lower insurance rates. The 2020 Hyundai Kona has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Does Hyundai Kona come in AWD? Yes, there are both front-wheel and all-wheel drive options available.

You might be wondering is the Kona or Tucson better as an SUV. The Tuscon has more horsepower and cargo space, but the Kona has many top safety features. The Hyundai Kona interior is also very sporty and chic. At $108 per month, the Hyundai Tuscon insurance cost estimate is lower than the Kona.

What Insurance Group is a Hyundai Kona? It is considered a crossover or small SUV. SUVs are known for rolling during accidents. Installing some extra safety features may help protect you in the event of an accident, and it may also help you qualify for insurance discounts.

Hyundai Kona Finance and Insurance Cost

If you are financing a Hyundai Kona, you will pay more if you purchase Hyundai Kona car insurance at the dealership, so be sure to shop around and compare Hyundai Kona car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Hyundai Kona Insurance

You can save more money on your Hyundai Kona auto insurance rates by employing any of the following five strategies.

  • Buy a Hyundai Kona with an Anti-Theft Device
  • Ask About Welcome Discounts
  • Ask for a New Hyundai Kona Auto Insurance Rate Based on Your Improved Credit Score
  • Purchase a Roadside Assistance Program for Your Hyundai Kona
  • Avoid the Temptation to File a Claim for Minor Incidents

Top Hyundai Kona Insurance Companies

The best auto insurance companies for Hyundai Kona car insurance rates will offer competitive rates, discounts, and account for the Hyundai Kona’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Hyundai Kona Car Insurance Companies by Market Share
RankCompanyVolumeMarket Share
1State Farm$65,615,1909.30%
2GEICO$46,106,9716.60%
3Progressive$39,222,8795.60%
4Liberty Mutual$35,600,0515.10%
5Allstate$35,025,9035.00%
6Travelers$28,016,9664.00%
7USAA$23,483,0803.30%
8Chubb$23,388,3853.30%
9Farmers$20,643,5592.90%
10Nationwide$18,442,1452.60%
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Take a look at the graph below for more details about how much market share each insurance company holds. This will help find the right Hyundai Kona car insurance company for you.

You’ll likely receive the lowest rates from these insurance companies. You can also trust that they will be able to pay for any claims you file with them, as they have demonstrated financial responsibility.

Compare Free Hyundai Kona Insurance Quotes Online

You’ve read through our Hyundai Kona review, now you’re an expert on Hyundai Kona insurance costs. To start comparing Hyundai Kona car insurance quotes for free, use our online car insurance comparison tool. Find the rate that works for you and buy affordable Hyundai Kona car insurance now.

References:

    1. https://www.iihs.org/ratings/vehicle/hyundai/kona-4-door-suv/2020
    2. https://www.nhtsa.gov/vehicle/2021/HYUNDAI/KONA/SUV/AWD

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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