Hyundai Kona insurance costs average $101 per month for minimum coverage and $195 monthly for full coverage. Depending on your particular trim and model year, costs can range anywhere from $59 to $284 monthly.
Hyundai Kona Insurance Cost
Key Takeaways
Hyundai Kona insurance costs vary widely from $59 monthly for basic coverage on newer trims to $284 for comprehensive protection on specialty editions like the Iron Man model.
The Kona ranks 496th out of 827 vehicle models for insurance affordability in the U.S. market, placing it in the middle range for coverage costs nationwide.
GEICO offers the most affordable insurance for the Hyundai Kona, with full coverage at $148 monthly and minimum coverage policies starting at $68 per month.
How Much Is Hyundai Kona Insurance?
| Hyundai Kona | $101 | $195 |
Hyundai Kona Insurance Cost by Model Year
Your vehicle's model year and available trims directly impact insurance rates. Newer models cost more to insure because of their higher fair value. Monthly insurance costs range from $66 for older models to $239 for newer vehicles with comprehensive coverage.
| 2025 | $113 | $219 |
| 2024 | $109 | $211 |
| 2023 | $72 | $139 |
| 2022 | $66 | $127 |
| 2021 | $123 | $239 |
| 2020 | $112 | $217 |
| 2019 | $103 | $199 |
| 2018 | $83 | $161 |
Hyundai Kona Insurance Cost by Trim
Your Hyundai Kona's trim level impacts insurance costs based on its features, market value and replacement expenses. Monthly premiums range from $68 to $284 across different trim levels according to our analysis.
| N Line Sport Utility 4d | $68 | $131 |
| Se Sport Utility 4d | $79 | $154 |
| Sel Sport Utility 4d | $91 | $176 |
| Limited Sport Utility 4d | $96 | $187 |
| Sel Convenience | $98 | $191 |
| Se | $100 | $194 |
| N Line S | $103 | $200 |
| Sel | $109 | $211 |
| Sel Plus Sport Utility 4d | $112 | $217 |
| N Line | $117 | $226 |
| Ultimate Sport Utility 4d | $117 | $226 |
| Night Sport Utility 4d | $119 | $230 |
| Limited | $126 | $245 |
| Iron Man Sport Utility 4d | $147 | $284 |
Compare Personalized Hyundai Kona Insurance Costs
We broke down Hyundai Kona insurance costs by model year and trim for personalized estimates.
Data filtered by:
2018
Se Sport Utility 4d
| Se Sport Utility 4d | $81 | $157 |
Hyundai Kona Insurance Cost by Company
Hyundai Kona insurance costs vary by provider from $108 to $254 monthly. Minimum coverage ranges from $68 to $165, while full coverage costs $148 to $363. Rates vary due to different risk assessment models.
| AAA | $113 | $234 |
| AIG | $146 | $363 |
| Allstate | $125 | $241 |
| Amica | $120 | $246 |
| Chubb | $137 | $270 |
| Farmers | $151 | $266 |
| GEICO | $68 | $148 |
| Kemper | $131 | $269 |
| Nationwide | $113 | $195 |
| Progressive | $95 | $179 |
| State Farm | $100 | $208 |
| The Hartford | $116 | $197 |
| Travelers | $86 | $157 |
| UAIC | $165 | $206 |
Hyundai Kona Insurance Cost by State
Hyundai Kona insurance costs vary dramatically by location, ranging from $34 monthly in Wyoming to $415 in Louisiana.
| Alabama | $83 | $158 |
| Alaska | $69 | $147 |
| Arizona | $120 | $225 |
| Arkansas | $83 | $184 |
| California | $96 | $193 |
| Colorado | $100 | $238 |
| Connecticut | $141 | $242 |
| Delaware | $139 | $233 |
| Florida | $133 | $309 |
| Georgia | $147 | $244 |
| Hawaii | $52 | $117 |
| Idaho | $54 | $111 |
| Illinois | $90 | $167 |
| Indiana | $65 | $127 |
| Iowa | $57 | $138 |
| Kansas | $72 | $169 |
| Kentucky | $123 | $210 |
| Louisiana | $195 | $415 |
| Maine | $51 | $106 |
| Maryland | $153 | $259 |
| Massachusetts | $100 | $212 |
| Michigan | $156 | $298 |
| Minnesota | $81 | $167 |
| Mississippi | $88 | $174 |
| Missouri | $127 | $255 |
| Montana | $78 | $185 |
| Nebraska | $71 | $163 |
| Nevada | $185 | $333 |
| New Hampshire | $69 | $123 |
| New Jersey | $160 | $264 |
| New Mexico | $85 | $191 |
| New York | $121 | $217 |
| North Carolina | $81 | $159 |
| North Dakota | $58 | $127 |
| Ohio | $74 | $144 |
| Oklahoma | $93 | $207 |
| Oregon | $121 | $211 |
| Pennsylvania | $86 | $201 |
| Rhode Island | $120 | $215 |
| South Carolina | $102 | $191 |
| South Dakota | $54 | $162 |
| Tennessee | $79 | $160 |
| Texas | $125 | $257 |
| Utah | $114 | $195 |
| Vermont | $45 | $107 |
| Virginia | $95 | $154 |
| Washington | $91 | $169 |
| West Virginia | $86 | $176 |
| Wisconsin | $65 | $144 |
| Wyoming | $34 | $105 |
Hyundai Kona Insurance Cost by Driver Profile
Your age and driving record heavily influence Hyundai Kona insurance costs. Young drivers under 25 with clean records pay around $376 monthly, while adults aged 26-64 without violations pay just $148 per month - making age the biggest pricing factor.
| Adult Drivers | $101 | $195 |
| Young Drivers | $258 | $494 |
| Senior Drivers | $135 | $247 |
| Drivers With a Speeding Ticket | $125 | $245 |
| Drivers With an Accident | $148 | $285 |
| Drivers With a DUI | $185 | $353 |
| Drivers With Bad Credit | $241 | $485 |
Is a Hyundai Kona Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Hyundai Kona ranks 496th out of 827, making it one of the more expensive cars to insure. Among subcompact crossover SUVs, the Kona ranks as the fourth-most expensive model to insure.
| Vinfast VF-6 | $60 | $117 |
| Suzuki Grand Vitara | $73 | $140 |
| Chevrolet Tracker | $74 | $142 |
| Kia Soul | $86 | $166 |
| Mazda MX-30 | $87 | $168 |
| Toyota C-HR | $88 | $170 |
| Mazda CX-3 | $88 | $171 |
| Ford EcoSport | $89 | $173 |
| Kia Seltos | $96 | $186 |
| Nissan Juke | $100 | $192 |
| Mazda CX-30 | $100 | $194 |
| Hyundai Kona | $101 | $195 |
| Fiat 500X | $102 | $198 |
| Nissan Kicks | $103 | $198 |
| Kia Niro | $115 | $222 |
Factors That Affect Hyundai Car Insurance Costs
Several factors affect what you'll pay for Hyundai Kona insurance:
Average Repair or Replacement CostsHyundai ranks fourth in repair affordability among 59 U.S. automakers with median annual costs of $587. The Kona's average annual repair cost of $603 ranks it as Hyundai's fourth-most affordable model to repair. This repair cost still contributes to higher insurance premiums.
Vehicle Trim, Features and AccessoriesInsurance costs vary by trim level. Base SE models average $1,900 annually, and loaded Electric Limited models reach $2,326 annually. The 2024 redesign includes premium features like dual 12.3-inch displays, digital key technology and advanced driver assistance systems.
Higher trim levels with turbocharged engines and all-wheel drive cost more to insure due to increased repair complexity and higher replacement values. Safety features like forward collision-avoidance assist may qualify for discounts despite higher initial costs.
Fuel TypeThe Kona offers multiple powertrain options that affect insurance rates. Standard 2.0L naturally aspirated models have the lowest premiums. The 1.6L turbocharged variants cost slightly more due to higher performance and repair complexity.
Kona Electric models cost 8% more to insure than gas versions because of higher repair costs and specialized technician requirements. Some insurers offer up to 10% green vehicle discounts for hybrid and electric variants, which can offset the premium increase.
LocationThe Kona's compact size makes it popular in urban areas, where higher crime rates and traffic density increase premiums. Rural areas see 15% to 25% lower rates due to reduced theft risk and fewer accidents.
The model's sales performance in North America, with over 1 million Hyundai vehicles sold in 2024, supports parts availability nationwide. This helps control regional repair cost variations.
Driver ProfileKona owner demographics influence insurance rates:
- Age Range: The Kona primarily appeals to millennials (late 20s to 30s) and Gen X (40s to 50s). It also draws growing interest from seniors, who seek out compact, easy-to-park SUVs.
- Income Level: Middle-income households ($40,000 to $80,000 annually) make up the core buyer base. The value proposition and 10-year warranty are the main draws.
- Gender Distribution: Ownership is relatively balanced, with a slight lean toward women. Compact size and safety features drive this pattern.
- Insurance Rate Impact: Teen drivers pay $286 a month. Seniors average $117 a month. Clean driving records maintain base rates around $152 a month. DUI convictions add nearly $100 a month to that base rate.
Cheapest Hyundai Kona Insurance Companies
GEICO offers the most affordable Kona car insurance with average monthly full coverage premiums of $148. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage policies for the Kona at $68 monthly.
| GEICO | $68 | $148 |
| Travelers | $86 | $157 |
| Progressive | $95 | $179 |
| Nationwide | $113 | $195 |
| State Farm | $100 | $208 |
Cheapest Hyundai Kona Insurance by State
We found that these are the top three most affordable car insurance providers for a Hyundai Kona:
- GEICO: Most affordable in 16 states
- Travelers: Most affordable in 13 states
- State Farm: Most affordable in five states
You can filter below to see which company offers the cheapest auto insurance rates for your Hyundai Kona.
Data filtered by:
Alabama
| Alabama | Cincinnati Insurance | $45 |
How to Get the Best Cheap Hyundai Kona Insurance
Below we detail the top car insurance discounts available for your Hyundai Kona:
- 1Choose the right coverage
Your Hyundai's value and how much you drive weigh most when deciding how much coverage to buy. Your budget sets the limit on what you can afford to add:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Check average auto insurance costs for your Hyundai to see how much you're saving with your current provider versus another one. From there, compare cheapest car insurance companies to find a better rate.
- 3Look for more than just low rates
To get the most balanced car insurance for your Hyundai Kona, check J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings. Compare coverage limits and deductibles alongside these scores before you decide.
- 4Explore discounts you qualify for
Your Hyundai Kona insurance rates already run reasonable. The right discounts can knock even more money off your bill. Kona drivers are middle-aged (38 years old on average) with household incomes between $50,000 and $134,000. This demographic profile lines up with several money-saving opportunities.
Here are five discounts that align with typical Kona owner demographics:
- Multi-car discount (10% to 25% savings): Since most Hyundai buyers fall in established age groups with stable incomes, you likely own multiple vehicles. Adding your Kona to a policy with other cars can reduce premiums.
- Bundling discount (5% to 25% savings): With median household incomes ranging from $50,000 to over $100,000, most Kona owners are homeowners who can bundle auto and home insurance. This discount often pays for itself within the first year.
- Good driver discount (10% to 20% savings): At 38 years old on average, the typical Kona buyer already falls into the mature driver discount bracket. A clean driving record unlocks this discount. It rewards your lower risk profile.
- Safety feature discount (5% to 15% savings): The 2025 Hyundai Kona earned IIHS Top Safety Pick+ status. Standard features like forward collision-avoidance assist and lane keeping assist lower your crash risk. Insurers reward that lower risk with safety discounts.
- Professional/occupation discount (5% to 10% savings): More than half of Kona owners hold a college degree, and most carry stable middle-to-upper-middle-class incomes. That combination opens up several discount paths: some insurers tie savings to education level or professional association membership, others to employer groups. Teachers, engineers and health care workers often receive special rates.
- 5Consider alternative car insurance types
Hyundai Kona owners can lower their premiums with usage-based insurance or programs like Progressive Snapshot, which reward safe driving habits.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Hyundai Kona insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Hyundai Kona Insurance Cost: Bottom Line
Insuring a Hyundai Kona costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Hyundai Kona Insurance Rates: FAQ
Here are answers to common questions about insuring a Hyundai Kona.
The Hyundai Kona's average annual insurance cost is around $1,210 for minimum coverage and $2,346 for full coverage.
GEICO offers the most affordable Kona car insurance with average monthly full coverage premiums of $148. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage policies for the Kona at $68 monthly.
Yes, Hyundai Kona insurance costs more than most cars. Out of 827 vehicles we track, the Kona ranks 496th for affordability. Among subcompact crossover SUVs, the Kona ranks as the fourth-most expensive model to insure.
Several things drive up your Hyundai Kona rates. Repairs cost more on higher trims due to advanced technology and specialized components. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
Shop around with multiple insurers as rates vary for Hyundais, and consider usage-based insurance programs that track your driving habits. Take advantage of Hyundai's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Hyundai Kona Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate Hyundai Kona insurance costs.
Who We Based These Rates On
These Hyundai Kona prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score is in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.