The Hyundai Kona is a subcompact crossover SUV known for its roomy interior and long list of safety features. The Kona comes in three different variations, including fully electric, hybrid electric, and gas-powered. No matter which type of Kona you drive, it needs to be protected with the right car insurance.
When it's time to find the best Hyundai Kona insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Hyundai Kona at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Hyundai Kona by model year and top-rated insurance company in 2026.
Key Takeaways - Hyundai Kona Car Insurance
- Hyundai Kona insurance costs an average of $1,854 per year, or approximately $155 per month, for full coverage in 2026.
- Hyundai Kona insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $34 monthly for minimum coverage, while those in Louisiana pay $415.
- Progressive, American Family, and USAA are the cheapest carriers for model-year 2025 Hyundai Kona insurance this year.
- Your age, location, credit, and driving history can all impact the cost of Hyundai Kona insurance.
- Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Hyundai Kona model.
What Is Hyundai Kona Insurance?
Hyundai Kona insurance is a special type of car insurance policy that includes customized coverage options for your specific vehicle. As a subcompact crossover SUV, the Kona may require additional coverage beyond what standard sedans require. However, the Kona's average insurance rates tend to be cheaper than those for comparable sedans.
Recommended coverage options for Hyundai Kona drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Hyundai Kona:
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Hyundai parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Hyundai vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Hyundai warranty insurance: This can extend Hyundai's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
A local independent insurance agent can help you satisfy your state's minimum car insurance requirements. They can also help you compare Hyundai Kona electric insurance costs and rates for whatever type of Kona you drive.
How Much Does Hyundai Kona Insurance Cost?
The average cost of car insurance for a Hyundai Kona is $1,854 per year, or approximately $155 per month, for full coverage. However, several factors can influence the cost of Hyundai insurance, including:
- The specific type of Kona you drive
- Your location
- The types and amount of coverage you need
- Your claims history
- Your driving history
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Hyundai Kona full coverage insurance or a basic Hyundai Kona liability insurance policy.
Is the Hyundai Kona Expensive to Insure?
No, the Hyundai Kona isn't expensive to insure on average. The average monthly cost of Hyundai Kona auto insurance is $155, while the average for other SUVs is $184.
| Vehicle | Average Monthly Cost of Car Insurance |
|---|---|
| Hyundai Kona | $155 |
| All SUVs | $184 |
Hyundai Kona Insurance Costs by Model Year
Next, we'll break down several model years of the Hyundai Kona and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
|---|---|
| 2026 Hyundai Kona* | $2,195 |
| 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 |
*Note: The 2026 Hyundai Kona's average rate is a projection based on the observation of inflation trends and current market data.
Cheapest Hyundai Kona Car Insurance Companies for 2026
Many carriers across the country offer affordable Hyundai Kona auto insurance. These top-rated car insurance companies provide the cheapest model-year 2025 Hyundai Kona insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
|---|---|
| Progressive | $1,535 |
| American Family | $1,610 |
| USAA | $1,639 |
| Erie | $1,866 |
| Nationwide | $1,962 |
| Allstate | $3,340 |
Hyundai Kona Car Insurance Rates by State
Your location can have a major impact on car insurance costs. Here are some average auto insurance rates for the Hyundai Kona by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| 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 |
Average Hyundai Kona Insurance Rates by Driver Age and Profile
Other factors that can influence the cost of your car insurance include your age, credit, and driving history. At age 25, car insurance rates plummet until about age 65, then gradually climb again. Here are some average auto insurance rates for the Hyundai Kona by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
|---|---|---|---|
| 18 | $5,983 | $8,735 | $10,176 |
| 20 | $4,523 | $6,672 | $7,818 |
| 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 Insurance Rates by Trim Level
Your Kona's trim level can also impact the cost of your car insurance, due to the various features, values, and replacement costs associated with each. Here are some average Kona auto insurance rates by trim for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| 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 |
Best Hyundai Kona Insurance Discounts: How to Lower Your Hyundai Kona Insurance Premiums
Though Hyundai Kona insurance may not be expensive to begin with, virtually no driver will turn down additional easy savings. Follow any of these simple tips to reduce your premium rates even further:
- Ask about Hyundai Kona insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Hyundai may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Hyundai Kona insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Hyundai Kona insurance from a trusted carrier near you.
A local independent insurance agent can help you find the cheapest coverage for your Hyundai Kona. They can also suggest other ways to save even more money on your auto insurance.
An Independent Insurance Agent Can Help You Get the Best Hyundai Kona Insurance Quotes
When it's time to find the most affordable Hyundai Kona insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Hyundai Kona insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Hyundai Kona Insurance
How much does Hyundai Kona insurance cost per year?
The average annual cost of full coverage for a Hyundai Kona is $1,854 per year, or approximately $155 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Hyundai Kona insurance premiums?
If you have filed claims in the past, have traffic violations or accidents on your record, or live in a high-theft rate, you may have higher Hyundai Kona insurance premiums.
Is the Hyundai Kona expensive to insure?
No, the Hyundai Kona isn't expensive to insure on average. The cost of a six-month full coverage policy is only $927.
What are the best and cheapest carriers for Hyundai Kona insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2025 Hyundai Kona insurance this year.
Is insurance cheaper for the Kona than for other SUVs?
Yes, the Hyundai Kona's average insurance rates are cheaper than those for other SUVs. While the Hyundai Kona's average full coverage rates are just $155 per month, other SUVs average $184 per month.
How can I get cheaper Hyundai Kona insurance?
Finding cheaper Hyundai Kona insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/hyundai-kona-insurance/
https://www.thezebra.com/auto-insurance/vehicles/hyundai/kona/
https://www.insuranceopedia.com/auto-insurance/hyundai-kona-car-insurance