You want the best combination of car insurance at a rate that works with your budget, but getting quotes can be time-consuming. To get personalized insurance rates from multiple companies, work with an independent insurance agent in your area. Your agent can help you understand the local laws about auto insurance and guide you through the process of creating a policy that meets your needs.
Not sure where to find an independent insurance agent in your area?
Click on this find-an-agent tool to get matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Hyundai Kona.
What Kind of Insurance Do You Need for Your Hyundai Kona?
Bodily Injury Liability
Bodily injury liability insurance covers damage if someone else is hurt in an accident you cause. This policy pays for medical expenses and recovery for the other person.
Property Damage Liability
Property damage liability pays for damage to someone else's property that you cause while driving your Hyundai Kona. You may be required to carry a minimum amount of property damage liability and bodily injury liability on your Hyundai Kona. Your agent can help you understand the rules about mandatory insurance in your area.
Medical Payments/Personal Injury Protection
Medical payments insurance and personal injury protection offer insurance to handle you and your passengers' medical bills if you are in an accident. Depending on your location, you may be required to carry one of these policies.
Uninsured Motorist Coverage
Uninsured and underinsured motorist coverage protects you from the negative effects of getting into an accident with someone who doesn't have enough insurance to cover the costs. Without it, you could get stuck with repair and medical bills, even if you aren't at fault.
Collision insurance coverage pays for damage if you are in an accident with another vehicle. It's part of a full coverage policy, so if you don't have a loan or lease, you can skip this type of insurance. Your collision policy kicks in after you pay your deductible for a covered accident.
A comprehensive insurance policy covers damage to your Kona if your car is stolen or vandalized. It also covers accidents caused by something other than another vehicle, such as hitting an animal in the road.
If you have a loan or lease on your Kona, the bank or dealership may require you to carry certain minimum amounts of collision and comprehensive coverage.
Replacing your windshield is expensive, but it doesn't quite justify making an insurance claim in many cases. With a zero-deductible glass coverage policy, you can get your broken glass replaced without having to pay out of pocket.
If you owe more on your Hyundai Kona than it's worth, gap insurance can help protect your financial interests. If you are in an accident and the insurance company says your Kona is a total loss, it may not be worth enough to pay off your loan or lease. Gap insurance can help you pay the difference between your car's worth and the amount the insurance company will pay.
What Affects the Cost of Insurance for Your Hyundai Kona?
- Annual mileage: Hyundai Kona drivers who plan to put more than 10,000 to 15,000 miles on their car each year may pay slightly higher insurance premiums.
- Your driving record: If you have a spotless driving record, you'll pay a lower insurance rate than drivers with at-fault accidents or moving violations.
- The value of your vehicle: If you own a newer Kona, your rates may be a bit higher.
|Average Annual Hyundai Kona Insurance Rates by Model Year:|
|2020 Hyundai Kona:||$1,232|
|2019 Hyundai Kona:||$1,218|
|2018 Hyundai Kona:||$1,208|
Average Hyundai Kona Insurance Costs
On average, a 40-year-old Hyundai Kona driver pays $1,232 each year for full coverage auto insurance. A liability-only policy's average rates drop down to $316 per year. A 16-year-old Kona driver pays the highest average insurance rates at $4,510 per year. While average rates help you understand what to expect, your rates may vary greatly from these averages.
The Safety of Your Hyundai Kona
The NHTSA gave the 2020 Hyundai Kona an overall five-star safety rating. The 2020 model comes standard with driver inattention monitoring, lane-keeping assist, forward collision warning, and automatic emergency braking. Safety technology can help you get a lower insurance rate, so make sure your agent knows which safety features you have on your Kona.
How Location Affects Your Hyundai Kona Insurance
Your location has a lot to do with your car insurance premiums.
Here's how average Hyundai Kona full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible may vary depending on location.
|Rural Areas||Small Cities||Large Cities|
Additional Factors That Affect Your Hyundai Kona Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Hyundai Kona
|Average annual cost to insure a Hyundai Kona with full coverage:||$1,332|
|Top 3 most expensive states for Hyundai Kona insurance:|
|Michigan, New York, Florida||$1,660|
|Top 3 most affordable states for Hyundai Kona insurance:|
|Vermont, Wisconsin, and North Carolina||$810|
Top Independent Insurance Carriers That Insure the Hyundai Kona
According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a Hyundai Kona Quote
An independent insurance agent is a great resource for information specific to your situation. Use the find-an-agent tool at TrustedChoice.com to get in touch with an agent in your area. Contact an agent to get personalized quotes and help to understand your car insurance options.
TrustedChoice.com Article | Reviewed by Greg Safford
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver