Hyundai Kona Insurance Cost for 2022

How much does Hyundai Kona insurance cost? We break down insurance rates from the base Kona SE up to the Electric Ultimate trim to discover how prices rank against the entire compact SUV market.

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  • Hyundai Kona insurance costs an average of $1,318 per year or around $110 per month, depending on the trim level.
  • The cheapest Hyundai Kona insurance is on the SE trim level at an estimated $1,174 per year, while the Kona Electric Limited is the most expensive to insure at $1,502 per year.
  • The Kona is one of the cheaper small crossover SUVs to insure, costing $108 less per year on average when compared to other compact SUVs.

How much does Hyundai Kona insurance cost?

Ranked #12 out of 46 vehicles in the 2022 small SUV class, Hyundai Kona car insurance costs on average $1,318 yearly, or around $110 on a monthly basis.

With the average small SUV costing $1,426 a year to insure, the Hyundai Kona could save an estimated $108 or more each year when compared to the segment as a whole.

Average monthly car insurance payments for a 2022 Hyundai Kona range from $98 to $125, depending on which trim level is being insured.

The following chart demonstrates how average 2022 Hyundai Kona car insurance rates vary based on the age of the driver and physical damage deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Hyundai Kona with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Hyundai Kona trim levels.Data last updated on September 27, 2022
Hyundai Kona Insurance Cost Summary
Hyundai Kona Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,214$185
$500$2,602$217
$250$3,010$251
30$1,000$1,168$97
$500$1,386$116
$250$1,614$135
40$1,000$1,116$93
$500$1,318$110
$250$1,526$127
50$1,000$1,020$85
$500$1,202$100
$250$1,388$116
60$1,000$1,002$84
$500$1,178$98
$250$1,362$114

What is the cheapest Hyundai Kona car insurance?

With Hyundai Kona insurance rates ranging from $1,174 to $1,502 annually, the cheapest models to insure are the Kona SE and SEL at $1,174 per year. On average, plan on paying around $98 per month for full coverage insurance on these models.

The highest cost models of Hyundai Kona to insure are the Electric Limited at $1,502 and the Electric SEL at $1,454 per year. Those two trim levels will cost an extra $328 and $280 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 2022 model year trim level and powertrain.

2022 Hyundai Kona Insurance Cost by Trim Level
Hyundai Kona Trim Level Annual Policy 6-month Policy Per Month
SE$1,174$587$98
SEL$1,220$610$102
N Line$1,266$633$106
Limited$1,312$656$109
Electric SEL$1,454$727$121
Electric Limited$1,502$751$125

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Hyundai Kona, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
Hyundai Kona Insurance Cost by Trim Level

How does Kona insurance rank vs. other compact SUVs?

The 2022 Hyundai Kona ranks #12 out of 46 total vehicles in the small SUV class. The Kona costs an estimated $1,318 per year for full coverage insurance and the category median average cost is $1,426 annually, a difference of $108 per year.

When Kona car insurance rates are compared to the most popular models in the small SUV category, coverage for a Kona costs $122 less per year than the Toyota RAV4, $18 less than the Honda CR-V, $106 less than the Chevrolet Equinox, and $174 less 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.

Insurance Cost Comparison: Hyundai Kona vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-5$1,158-$160
2Nissan Kicks$1,190-$128
3Chevrolet Trailblazer$1,196-$122
4Subaru Crosstrek$1,224-$94
5Toyota C-HR$1,254-$64
6Buick Encore$1,260-$58
7Nissan Rogue Sport$1,272-$46
8Hyundai Venue$1,294-$24
9Buick Envision$1,298-$20
10Kia Seltos$1,300-$18
11Toyota Corolla Cross$1,310-$8
12Hyundai Kona$1,318--
13Subaru Forester$1,320$2
14Volkswagen Tiguan$1,324$6
15Honda CR-V$1,336$18
16Mazda CX-30$1,350$32
17Honda HR-V$1,370$52
18Ford Ecosport$1,380$62
19Chevrolet Trax$1,398$80
20GMC Terrain$1,404$86
21Mitsubishi Eclipse Cross$1,408$90
22Hyundai Tucson$1,416$98
23Chevrolet Bolt$1,420$102
24Chevrolet Equinox$1,424$106
25Volkswagen Taos$1,428$110
26Fiat 500X$1,434$116
27Toyota RAV4$1,440$122
28Kia Soul$1,442$124
29Mazda MX-30$1,472$154
30Jeep Compass$1,478$160
31Kia Niro$1,480$162
32Nissan Rogue$1,492$174
33Ford Escape$1,498$180
34Hyundai Ioniq 5$1,514$196
35Mini Cooper Clubman$1,516$198
36Jeep Renegade$1,518$200
37Kia Sportage$1,524$206
38Ford Bronco$1,532$214
39Volkswagen ID4$1,554$236
40Mini Cooper$1,564$246
41Mini Cooper Countryman$1,582$264
42Mitsubishi Outlander$1,640$322
43Mitsubishi Mirage$1,658$340
44Ford Mustang Mach-E$1,726$408
45Hyundai Nexo$1,744$426
46Jeep Wrangler$1,746$428

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
Insurance Cost Comparison: Hyundai Kona vs Small SUVs

A slightly different way to evaluate car insurance rates is to see how insurance cost for a Hyundai Kona compares to other compact SUV models that are most similar in price. With an average MSRP of $29,125, the cost to purchase a 2022 Hyundai Kona ranges from $21,150 to $42,500, 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 Mazda CX-30, Fiat 500X, Kia Sportage, and Jeep Compass. The next list shows how those models compare to a Kona by MSRP and average insurance cost.

  • Hyundai Kona vs. Mazda CX-30 – Having an average purchase price of $28,830 ($22,200 to $34,400), the 2022 Mazda CX-30 costs $295 less than the average MSRP for the Hyundai Kona. Anticipate paying around $32 more annually for insurance on the Mazda CX-30 compared to a Kona.
  • Hyundai Kona vs. Fiat 500X – With an average MSRP of $29,576 and ranging from $27,300 to $33,280, the 2022 Fiat 500X costs $451 more than the average MSRP for the Hyundai Kona. Full-coverage car insurance on the Fiat 500X costs an average of $116 more than the Hyundai Kona.
  • Hyundai Kona vs. Kia Sportage – The 2022 Kia Sportage has an average MSRP of $28,580 ($24,090 to $33,750), which is $545 cheaper than the average cost for the Hyundai Kona. Full-coverage insurance on the Kia Sportage costs an average of $206 more each year than the Hyundai Kona.
  • Hyundai Kona vs. Jeep Compass – The purchase price for the Jeep Compass averages $704 more than the average cost for the Hyundai Kona ($29,829 compared to $29,125). Drivers can expect to pay an average of $160 more annually for insurance on the Jeep Compass compared to a Kona.

Will an older Kona cost less to insure?

Skipping the 2022 model and instead driving a 2018 Hyundai Kona could save around $232 each year depending on the trim level. 2019 Hyundai Kona insurance cost is on average $106 cheaper than insuring a 2022 model.

The following data table illustrates average Hyundai Kona insurance rates for a range of drivers for the 2018 through 2022 model years. The policy costs range from the least expensive value of $974 for a 60-year-old driver rated on a 2018 Hyundai Kona to the most expensive cost of $2,602 for a 20-year-old driver rated on a 2022 model.

Hyundai Kona Insurance Cost for 2018-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,602$1,386$1,318$1,202$1,178
2021$2,472$1,314$1,252$1,140$1,118
2020$2,428$1,288$1,228$1,122$1,100
2019$2,410$1,268$1,212$1,106$1,086
2018$2,156$1,132$1,086$992$974

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
Hyundai Kona Insurance Cost by Model Year

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 $207 per year when compared to a credit score ranging from 670-739. Conversely, a diminished credit rating could cost as much as $240 more per year.
  • Avoid accidents to save on insurance. Having frequent accidents may increase rates, potentially by an additional $1,818 per year for a 20-year-old driver and even as much as $392 per year for a 60-year-old driver.
  • Car insurance for teens is expensive. Average rates for full coverage Kona insurance costs $4,698 per year for a 16-year-old driver, $4,384 per year for a 17-year-old driver, and $4,092 per year for a 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 $340 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 ($1,178 per year) and a 20-year-old driver ($2,602 per year) is $1,424, or a savings of 54.7%.
  • Lower policy cost by raising deductibles. Raising deductibles from $500 to $1,000 could save around $202 per year for a 40-year-old driver and $388 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 $208 per year for a 40-year-old driver and $408 per year for a 20-year-old driver.