- Hyundai Kona insurance costs an average of $2,110 per year or around $176 per month, depending on the trim level.
- The cheapest Hyundai Kona insurance is on the SE trim level at an estimated $1,900 per year, while the Kona Electric Limited is the most expensive to insure at $2,326 per year.
- The Kona is one of the cheaper small crossover SUVs to insure, costing $44 less per year on average when compared to other compact SUVs.
How much does Hyundai Kona insurance cost?
Ranked 20th out of 47 vehicles in the 2024 small SUV class, Hyundai Kona car insurance costs on average $2,110 yearly, or around $176 on a monthly basis.
With the average small SUV costing $2,154 a year to insure, the Hyundai Kona could save an estimated $44 or more each year when compared to the segment as a whole.
Average monthly car insurance payments for a 2024 Hyundai Kona range from $158 to $194, depending on which trim level is being insured.
The following chart demonstrates how average 2024 Hyundai Kona car insurance rates vary based on the age of the driver and physical damage deductibles.
What is the cheapest Hyundai Kona car insurance?
With Hyundai Kona insurance rates ranging from $1,900 to $2,326 annually, the cheapest models to insure are the Kona SE and SEL at $1,900 per year. On average, plan on paying around $158 per month for full coverage insurance on these models.
The highest cost models of Hyundai Kona to insure are the Electric Limited at $2,326 and the Electric SEL at $2,256 per year. Those two trim levels will cost an extra $426 and $356 per year, respectively, over the cheapest Kona models.
The next table details average annual and semi-annual Kona insurance costs, plus a monthly budget figure, for each available 2024 model year trim level and powertrain.
| 2024 Hyundai Kona Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE | $1,900 | $158 |
| SEL | $1,938 | $162 |
| N Line | $2,060 | $172 |
| Limited | $2,080 | $173 |
| N | $2,134 | $178 |
| Electric SE | $2,184 | $182 |
| Electric SEL | $2,256 | $188 |
| Electric Limited | $2,326 | $194 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025
How does Kona insurance rank vs. other compact SUVs?
The 2024 Hyundai Kona ranks 20th out of 47 total vehicles in the small SUV class. The Kona costs an estimated $2,110 per year for full coverage insurance and the category median average cost is $2,154 annually, a difference of $44 per year.
When Kona car insurance rates are compared to the most popular models in the small SUV category, coverage for a Kona costs $52 less per year than the Toyota RAV4, $114 more than the Honda CR-V, $48 less than the Chevrolet Equinox, and $4 more than the Nissan Rogue.
The table below shows how average car insurance rates for a Hyundai Kona fare against the 10 most popular small SUVs by sales data in America.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,730 | -$380 |
| 2 | Chevrolet Trailblazer | $1,760 | -$350 |
| 3 | Kia Soul | $1,826 | -$284 |
| 4 | Nissan Kicks | $1,844 | -$266 |
| 5 | Buick Envision | $1,878 | -$232 |
| 6 | Toyota Corolla Cross | $1,888 | -$222 |
| 7 | Hyundai Venue | $1,902 | -$208 |
| 8 | Mazda CX-5 | $1,910 | -$200 |
| 9 | Ford Bronco Sport | $1,918 | -$192 |
| 10 | Volkswagen Tiguan | $1,938 | -$172 |
| 11 | Buick Encore | $1,988 | -$122 |
| 12 | Honda CR-V | $1,996 | -$114 |
| 13 | Volkswagen Taos | $2,008 | -$102 |
| 14 | Kia Niro | $2,014 | -$96 |
| 15 | Honda HR-V | $2,040 | -$70 |
| 16 | Subaru Forester | $2,084 | -$26 |
| 17 | Kia Seltos | $2,094 | -$16 |
| 18 | GMC Terrain | $2,096 | -$14 |
| 19 | Nissan Rogue | $2,106 | -$4 |
| 20 | Hyundai Kona | $2,110 | -- |
| 21 | Mazda CX-30 | $2,114 | $4 |
| 22 | Volkswagen ID4 | $2,124 | $14 |
| 23 | Ford Escape | $2,138 | $28 |
| 24 | Chevrolet Equinox | $2,158 | $48 |
| 25 | Toyota RAV4 | $2,162 | $52 |
| 26 | Mazda MX-30 | $2,172 | $62 |
| 27 | Hyundai Tucson | $2,176 | $66 |
| 28 | Chevrolet Trax | $2,210 | $100 |
| 29 | Mini Cooper Clubman | $2,220 | $110 |
| 30 | Mini Cooper | $2,226 | $116 |
| 31 | Mitsubishi Eclipse Cross | $2,246 | $136 |
| 32 | Jeep Renegade | $2,252 | $142 |
| 33 | Mitsubishi Outlander | $2,280 | $170 |
| 34 | Kia Sportage | $2,294 | $184 |
| 35 | Hyundai Ioniq 5 | $2,302 | $192 |
| 36 | Nissan Ariya | $2,304 | $194 |
| 37 | Fiat 500X | $2,310 | $200 |
| 38 | Mini Cooper Countryman | $2,318 | $208 |
| 39 | Subaru Solterra | $2,320 | $210 |
| 40 | Mazda CX-50 | $2,326 | $216 |
| 41 | Toyota bz4X | $2,330 | $220 |
| 42 | Mitsubishi Mirage | $2,342 | $232 |
| 43 | Kia EV6 | $2,416 | $306 |
| 44 | Dodge Hornet | $2,492 | $382 |
| 45 | Jeep Compass | $2,536 | $426 |
| 46 | Hyundai Nexo | $2,584 | $474 |
| 47 | Ford Mustang Mach-E | $2,742 | $632 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 26, 2025
A slightly different way to compare car insurance rates is to see how the insurance cost for a Hyundai Kona compares to other compact SUV models that are most similar in price. With an average MSRP of $32,400, the cost to purchase a 2024 Hyundai Kona ranges from $24,100 to $41,550, before documentation and delivery charges.
The vehicles in the small SUV segment that have the most similar sticker prices to the Hyundai Kona are the Kia Sportage, Subaru Forester, Mitsubishi Outlander, and Kia Niro. The next list shows how those models compare to a Kona by MSRP and average insurance cost.
- Hyundai Kona vs. Kia Sportage – Having an average purchase price of $32,430 ($27,090 to $37,890), the 2024 Kia Sportage costs $30 more than the average MSRP for the Hyundai Kona. Anticipate paying around $184 more annually for insurance on the Kia Sportage compared to a Kona.
- Hyundai Kona vs. Subaru Forester – With an average MSRP of $32,591 and ranging from $27,095 to $37,395, the 2024 Subaru Forester costs $191 more than the average MSRP for the Hyundai Kona. Full-coverage car insurance on the Subaru Forester costs an average of $26 less than the Hyundai Kona.
- Hyundai Kona vs. Mitsubishi Outlander – The 2024 Mitsubishi Outlander has an average MSRP of $32,758 ($28,395 to $36,745), which is $358 more expensive than the average cost for the Hyundai Kona. Full-coverage insurance on the Mitsubishi Outlander costs an average of $170 more each year than the Hyundai Kona.
- Hyundai Kona vs. Kia Niro – The purchase price for the Kia Niro averages $561 more than the average cost for the Hyundai Kona ($32,961 compared to $32,400). Drivers can expect to pay an average of $96 less annually for insurance on the Kia Niro compared to a Kona.
Will an older Kona cost less to insure?
Skipping the 2024 model and instead driving a 2018 Hyundai Kona could save around $652 each year depending on the trim level. 2019 Hyundai Kona insurance cost is on average $452 cheaper than insuring a 2024 model.
The following data table illustrates the average Hyundai Kona insurance rates for a range of drivers for the 2018 through 2024 model years. The policy costs range from the least expensive value of $1,222 for a 60-year-old driver rated on a 2018 Hyundai Kona to the most expensive cost of $4,188 for a 20-year-old driver rated on a 2024 model.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Hyundai Kona | $4,188 | $2,110 | $1,752 |
| 2023 Hyundai Kona | $3,814 | $1,910 | $1,588 |
| 2022 Hyundai Kona | $3,702 | $1,850 | $1,538 |
| 2021 Hyundai Kona | $3,528 | $1,762 | $1,468 |
| 2020 Hyundai Kona | $3,434 | $1,714 | $1,428 |
| 2019 Hyundai Kona | $3,344 | $1,658 | $1,384 |
| 2018 Hyundai Kona | $2,930 | $1,458 | $1,222 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Hyundai Kona trim levels for each model year. Updated June 26, 2025
Additional points that can help save some money on car insurance include:
- Polish up your credit rating for cheaper Kona insurance. In states that have insurance regulations that allow credit ratings to be used as a factor in determining car insurance rates, drivers who have credit scores over 800 could get savings of $331 per year when compared to a credit score ranging from 670-739. Conversely, a diminished credit rating could cost as much as $384 more per year.
- Avoid accidents to save on insurance. Having frequent accidents may increase rates, potentially by an additional $2,950 per year for a 20-year-old driver and even as much as $512 per year for a 60-year-old driver.
- Car insurance for teens is expensive. Average rates for full coverage Kona insurance costs $7,471 per year for a 16-year-old driver, $7,201 per year for a 17-year-old driver, and $6,390 per year for an 18-year-old driver.
- Obey the law to get lower insurance rates. To receive the lowest Kona insurance rates, it pays to obey traffic laws. As few as two blemishes on your driving record have the ramification of raising the cost of a policy by up to $552 per year.
- As you age, car insurance rates tend to get cheaper. The difference in insurance cost on a Kona between a 60-year-old driver ($1,752 per year) and a 20-year-old driver ($4,188 per year) is $2,436, or a savings of 82%.
- Lower your insurance rates by raising deductibles. Raising deductibles from $500 to $1,000 could save around $316 per year for a 40-year-old driver and $600 per year for a 20-year-old driver.
- Lowering deductibles results in a more expensive policy. Decreasing deductibles from $500 to $250 could cost an additional $326 per year for a 40-year-old driver and $628 per year for a 20-year-old driver.