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
Updated: October 2, 2025
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:
- Age Range: Primarily appeals to millennials (late 20s to 30s) and Gen X (40s to 50s), with growing popularity among seniors seeking compact, easy-to-park SUVs
- Income Level: Middle-income households ($40,000 to $80,000 annually) attracted to the value proposition and 10-year warranty
- Gender Distribution: Relatively balanced ownership, slightly favoring women due to compact size and safety features
- Insurance Rate Impact: Teen drivers pay $286/month, while seniors average $117/month. Clean driving records maintain base rates around $152/month, with DUI convictions adding nearly $100 monthly
Average Repair or Replacement Costs
Hyundai ranks fourth in repair affordability among 59 U.S. automakers with median annual costs of $587. Hyundai Kona repair costs average $603 annually, making it Hyundai's fourth-most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
Insurance costs vary by trim level, with base SE models averaging $1,900 annually while 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 Type
The Kona offers multiple powertrain options, affecting insurance rates. Standard 2.0L naturally aspirated models have the lowest premiums, while the 1.6L turbocharged variants cost slightly more due to higher performance and repair complexity.
Kona Electric models typically cost 8% more to insure than gas versions, reflecting higher repair costs and specialized technician requirements. Some insurers offer up to 10% green vehicle discounts for hybrid and electric variants, potentially offsetting the premium increase.
Location
The Kona's compact size makes it popular in urban areas where higher crime rates and traffic density increase premiums. Rural areas typically see 15% to 25% lower rates due to reduced theft risk and fewer accidents.
The model's strong performance in North American sales (over 1 million Hyundai vehicles sold in 2024) ensures good parts availability nationwide, helping control regional repair cost variations.
Driver Profile
Kona owner demographics influence insurance rates:
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
Three things matter when choosing how much coverage to buy: what your Hyundai's worth, how much you drive and what you can afford to spend:
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
Researching average auto insurance costs for your Hyundai will give you an idea of how much you're saving currently and with another provider. You can then search for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Hyundai Kona, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4Explore discounts you qualify for
Your Hyundai Kona attracts competitive insurance rates, but the right discounts can knock even more money off your bill. Kona drivers are typically middle-aged (38 years old on average) with household incomes between $50,000 and $134,000, making them prime candidates for 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 typically pays for itself within the first year.
- Good driver discount (10% to 20% savings): The typical Kona buyer is 38 years old, putting you in the sweet spot for mature driver discounts. If you've maintained a clean record, this discount recognizes 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 can help you avoid crashes and qualify for safety discounts.
- Professional/occupation discount (5% to 10% savings): With over half of Kona owners holding college degrees and stable middle-to-upper-middle-class incomes, many qualify for discounts tied to education levels, professional associations, or employer groups. Teachers, engineers and healthcare workers often receive special rates.
- 5Consider alternative car insurance types
Hyundai Kona owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 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.
What is the average cost of car insurance for a Hyundai Kona?
The Hyundai Kona's average annual insurance cost is around $1,210 for minimum coverage and $2,346 for full coverage.
What company has the cheapest car insurance for a Hyundai Kona?
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.
Are Hyundai Konas expensive to insure?
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.
What factors affect insurance costs for Hyundai Konas?
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.
How can I lower Hyundai Kona insurance costs?
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 Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.