Updated: November 1, 2024
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The cost of insuring your Hyundai Kona will vary depending on the driver’s and car’s ages. On a full coverage policy, a 16-year-old will pay around $6,073 yearly for a 2018 Hyundai Kona, while a 40-year-old will pay only $1,340 for the same plan. Meanwhile, a 2022 model will cost $6,528 a year for a 16-year-old but only $1,458 on average per year for a 40-year-old.
MoneyGeek's rankings of the best insurers for a Hyundai Kona considered affordability, claims experience and customer service.
Car Insurance CostsHyundai KonaTable of Contents
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Hyundai Kona.
These rates were updated to reflect the average cost of car insurance for a Hyundai Kona as of 2023.
Although the average price to insure a Hyundai Kona is $1,492 per year, your actual premium may be significantly higher or lower depending on which insurer you choose. A full coverage auto insurance policy from GEICO is the cheapest at $1,116 per year on average, while the most expensive option is from Allstate at $1,906 per year.
For a minimum coverage policy on the Hyundai Kona, you can get auto insurance for as low as an average of $472 per year from State Farm or as high as $757 annually from Farmers. You can shop around for the cheapest car insurance quote for your Hyundai Kona.
| GEICO | $1,116 |
| State Farm | $1,220 |
| Travelers | $1,336 |
| Nationwide | $1,392 |
| Progressive | $1,636 |
| Farmers | $1,663 |
| Allstate | $1,906 |
Insurers consider several variables when calculating how much you'll pay for insurance on your Hyundai Kona. Some makes and models have higher insurance premiums than others due to factors like their market value, high repair costs or theft rates. The Hyundai Kona is a moderately priced vehicle in terms of auto insurance due to its relative safety and average repair costs.
The cheapest Hyundai Kona insurance policy isn't necessarily the best choice for you. Top car insurers also provide speedy claims settlements and helpful customer service. MoneyGeek found that the best auto insurance companies for Hyundai Kona are:
Despite State Farm's marginally better customer service, GEICO won out due to its cheaper rates and slightly better claims management score.
Provides affordable coverage for your Hyundai Kona
Outstanding customer service score
Offers unique coverages like Mechanical Breakdown Insurance
Poor claims management score
No Gap Insurance or Deductible Modification coverage
When looking for Hyundai Kona insurance, we recommend GEICO. It has the best prices and offers excellent customer service. It also provides protections that are unavailable from most insurance companies. One valuable add-on is Mechanical Breakdown Insurance (MBI). This coverage will offer better protection for your Hyundai Kona than typical dealer warranties. However, this option only applies if your vehicle is less than 15 months old and has traveled less than 15,000 miles.
Other coverages include Accident Forgiveness, which prevents your premium from increasing after your first at-fault accident unless you live in California, Connecticut or Massachusetts. Services like unlocking doors, changing flat tires and towing are all included in Roadside Assistance coverage. Rental Car Reimbursement coverage will reimburse you up to a predetermined amount if your car is immobile for more than 24 hours due to a covered accident.
Highly affordable Hyundai Kona policies
Excellent customer service
Poor claims management score
Doesn’t offer Accident Forgiveness or Gap Insurance
If you are shopping for Hyundai Kona auto insurance, State Farm is another insurer to consider. It's inexpensive and has excellent customer support. The problem with State Farm is that it lacks some essential coverages that other insurers provide. However, the add-ons it does provide are suitable for most types of motorists.
If you get into an accident while driving a rental car, Rental Car and Travel Reimbursement will pay for the damages up to the policy's limits. There is a $500 repayment deductible and up to $500 for travel expenses (including flights, lodging, meals and other costs). If your car breaks down or you get locked out, Roadside Assistance will pay for up to an hour's worth of repairs or locksmith assistance. You will also receive towing service to the closest mechanic.
The average price of car insurance varies greatly depending on the vehicle’s model year. An average full coverage policy on a 2022 Hyundai Kona will set you back $1,458 annually, but a 2009 model will only cost $1,340. Insuring a brand-new model is typically more costly because of the increased repair and replacement costs.
| 2022 | $1,458 |
| 2021 | $1,456 |
| 2020 | $1,497 |
| 2019 | $1,452 |
| 2018 | $1,340 |
The vehicle’s model year and your chosen insurance company often significantly impact average auto insurance premiums. GEICO is the cheapest insurer of any model year for a Hyundai Kona. An average full coverage policy on a 2018 model costs $1,064 per year, while the 2022 model costs $1,149 per year with GEICO.
| GEICO | $1,149 |
| State Farm | $1,262 |
| Travelers | $1,369 |
| Nationwide | $1,383 |
| Progressive | $1,615 |
| Farmers | $1,708 |
| Allstate | $1,941 |
Car insurance for teenagers and young adults is significantly more expensive than for drivers in their 30s and 40s. Full coverage insurance for a Hyundai Kona costs a 16-year-old driver an average of $6,488, whereas a 40-year-old pays $1,445 for the same policy. Car insurance costs for teenagers decrease dramatically each year as they age, but they eventually level off in their early 20s.
Adding a teen driver to a family policy can save money compared to purchasing one of their own. Full coverage insurance for a 2018 Hyundai Kona is an average of $3,576 per year with State Farm, but it may cost as much as $8,178 annually for a 16-year-old driver with Progressive.
Individual auto insurance premiums for teen drivers can be exorbitant. We recommend that teenagers add themselves to their family's insurance policy and shop together for the best teen auto insurance rates.
| State Farm | $4,046 |
| GEICO | $5,286 |
| Travelers | $5,376 |
| Nationwide | $5,466 |
| Farmers | $8,577 |
| Progressive | $8,609 |
| Allstate | $8,867 |
Your location may be the most important factor when determining how much car insurance will cost. For instance, if you're an Idaho resident, you should expect to spend far less on auto insurance than someone living in Florida. Get quotes from your state's least expensive car insurance companies to see if you can save money on insuring your Hyundai Kona.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
Price and value are common concerns for drivers shopping for Hyundai Kona insurance. We've compiled some of the most frequently asked questions and our answers below to help them decide.
Insuring a Hyundai Kona with GEICO will save you the most money, with an average full coverage policy costing around $1,116 annually. Compare this rate with the overall average rate for insurance for a Hyundai Kona at $1,492. The insurance cost for this model is relatively moderate compared to other vehicle models.
MoneyGeek determined that GEICO is the best company to insure a Hyundai Kona. While GEICO and State Farm provide excellent customer service and competitive pricing, GEICO’s affordability is unbeatable. This company also offers valuable coverage add-ons for additional protection on your Hyundai Kona.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
