- Hyundai Kona insurance costs an average of $1,310 per year or around $109 per month, depending on the trim level.
- The cheapest Hyundai Kona insurance is on the SE trim level at an estimated $1,164 per year, while the Kona Electric Limited is the most expensive to insure at $1,488 per year.
- The Kona is one of the cheaper small crossover SUVs to insure, costing $106 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 $1,310 yearly, or around $109 on a monthly basis.
With the average small SUV costing $1,416 a year to insure, the Hyundai Kona could save an estimated $106 or more each year when compared to the segment as a whole.
Average monthly car insurance payments for a 2022 Hyundai Kona range from $97 to $124, 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.
What is the cheapest Hyundai Kona car insurance?
With Hyundai Kona insurance rates ranging from $1,164 to $1,488 annually, the cheapest models to insure are the Kona SE and SEL at $1,164 per year. On average, plan on paying around $97 per month for full coverage insurance on these models.
The highest cost models of Hyundai Kona to insure are the Electric Limited at $1,488 and the Electric SEL at $1,442 per year. Those two trim levels will cost an extra $324 and $278 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.
| Hyundai Kona Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| SE | $1,164 | $582 | $97 |
| SEL | $1,210 | $605 | $101 |
| N Line | $1,256 | $628 | $105 |
| Limited | $1,302 | $651 | $109 |
| Electric SEL | $1,442 | $721 | $120 |
| Electric Limited | $1,488 | $744 | $124 |
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 $1,310 per year for full coverage insurance and the category median average cost is $1,416 annually, a difference of $106 per year.
When Kona car insurance rates are compared to the most popular models in the small SUV category, coverage for a Kona costs $120 less per year than the Toyota RAV4, $16 less than the Honda CR-V, $106 less than the Chevrolet Equinox, and $172 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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,152 | -$158 |
| 2 | Nissan Kicks | $1,180 | -$130 |
| 3 | Chevrolet Trailblazer | $1,188 | -$122 |
| 4 | Subaru Crosstrek | $1,216 | -$94 |
| 5 | Toyota C-HR | $1,250 | -$60 |
| 6 | Buick Encore | $1,252 | -$58 |
| 7 | Nissan Rogue Sport | $1,262 | -$48 |
| 8 | Hyundai Venue | $1,286 | -$24 |
| 9 | Buick Envision | $1,288 | -$22 |
| 10 | Kia Seltos | $1,290 | -$20 |
| 11 | Toyota Corolla Cross | $1,298 | -$12 |
| 12 | Hyundai Kona | $1,310 | -- |
| 13 | Subaru Forester | $1,312 | $2 |
| 14 | Volkswagen Tiguan | $1,314 | $4 |
| 15 | Honda CR-V | $1,326 | $16 |
| 16 | Mazda CX-30 | $1,340 | $30 |
| 17 | Honda HR-V | $1,360 | $50 |
| 18 | Ford Ecosport | $1,372 | $62 |
| 19 | Chevrolet Trax | $1,386 | $76 |
| 20 | GMC Terrain | $1,394 | $84 |
| 21 | Mitsubishi Eclipse Cross | $1,396 | $86 |
| 22 | Hyundai Tucson | $1,406 | $96 |
| 23 | Chevrolet Bolt | $1,412 | $102 |
| 24 | Chevrolet Equinox | $1,416 | $106 |
| 25 | Volkswagen Taos | $1,420 | $110 |
| 26 | Fiat 500X | $1,424 | $114 |
| 27 | Toyota RAV4 | $1,430 | $120 |
| 28 | Kia Soul | $1,432 | $122 |
| 29 | Mazda MX-30 | $1,460 | $150 |
| 30 | Jeep Compass | $1,468 | $158 |
| 31 | Kia Niro | $1,470 | $160 |
| 32 | Nissan Rogue | $1,482 | $172 |
| 33 | Ford Escape | $1,490 | $180 |
| 34 | Hyundai Ioniq 5 | $1,502 | $192 |
| 35 | Mini Cooper Clubman | $1,504 | $194 |
| 36 | Jeep Renegade | $1,508 | $198 |
| 37 | Kia Sportage | $1,514 | $204 |
| 38 | Ford Bronco | $1,520 | $210 |
| 39 | Volkswagen ID4 | $1,542 | $232 |
| 40 | Mini Cooper | $1,550 | $240 |
| 41 | Mini Cooper Countryman | $1,572 | $262 |
| 42 | Mitsubishi Outlander | $1,628 | $318 |
| 43 | Mitsubishi Mirage | $1,642 | $332 |
| 44 | Ford Mustang Mach-E | $1,712 | $402 |
| 45 | Hyundai Nexo | $1,730 | $420 |
| 46 | Jeep Wrangler | $1,732 | $422 |
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 $30 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 $114 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 $204 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 $158 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 $966 for a 60-year-old driver rated on a 2018 Hyundai Kona to the most expensive cost of $2,590 for a 20-year-old driver rated on a 2022 model.
| Model Year | Driver Age 20 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| 2022 | $2,590 | $1,380 | $1,310 | $1,194 | $1,172 |
| 2021 | $2,452 | $1,302 | $1,240 | $1,134 | $1,112 |
| 2020 | $2,412 | $1,278 | $1,218 | $1,112 | $1,090 |
| 2019 | $2,388 | $1,258 | $1,204 | $1,098 | $1,078 |
| 2018 | $2,138 | $1,124 | $1,078 | $986 | $966 |
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 $206 per year when compared to a credit score ranging from 670-739. Conversely, a diminished credit rating could cost as much as $238 more per year.
- Avoid accidents to save on insurance. Having frequent accidents may increase rates, potentially by an additional $1,810 per year for a 20-year-old driver and even as much as $394 per year for a 60-year-old driver.
- Car insurance for teens is expensive. Average rates for full coverage Kona insurance costs $4,676 per year for a 16-year-old driver, $4,362 per year for a 17-year-old driver, and $4,072 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 $338 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 ($1,172 per year) and a 20-year-old driver ($2,590 per year) is $1,418, or a savings of 54.7%.
- Lower policy cost by raising deductibles. Raising deductibles from $500 to $1,000 could save around $200 per year for a 40-year-old driver and $386 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 $404 per year for a 20-year-old driver.
