Best Hyundai Kona Auto Insurance in 2024 (Top 10 Companies Ranked)
Get the best Hyundai Kona auto insurance from State Farm, USAA, and AAA, with rates as low as $38 per month. State Farm excels in excellent customer service, USAA is ideal for military families, and AAA provides membership perks. These companies offer competitive rates and tailored options for Hyundai Kona owners.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jul 25, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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State Farm, USAA, and AAA are the best Hyundai Kona auto insurance providers, with rates starting at $38/month. State Farm excels in competitive rates and exceptional customer service.
You can start comparing quotes for Hyundai Kona auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Our Top 10 Company Picks: Best Hyundai Kona Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 12% B Many Discounts State Farm
#2 10% A+ Military Savings USAA
#3 15% A Local Agents AAA
#4 8% A++ Cheap Rates Progressive
#5 18% A++ Accident Forgiveness Travelers
#6 20% A++ Online Convenience Geico
#7 11% A+ Usage Discount Nationwide
#8 17% A+ Add-on Coverages Allstate
#9 14% A Customizable Polices Liberty Mutual
#10 19% A Local Agents Farmers
USAA is ideal for military families, and AAA offers valuable membership perks.
This article explores why these companies offer the best rates and coverage options for Hyundai Kona owners, considering multiple factors like safety features and driver profiles.
- The best Hyundai Kona auto insurance providers are State Farm, USAA, and AAA
- Learn how safety features and driver profiles impact rates and coverage options.
- State Farm is highlighted for offering competitive rates
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#1 – State Farm: Top Overall Pick
Pros
- Competitive Rates: State Farm auto insurance review offers Hyundai Kona auto insurance rates as low as $119, making it a cost-effective choice.
- Excellent Customer Service: Renowned for its customer support, State Farm ensures a smooth and satisfactory experience for Hyundai Kona owners.
- Comprehensive Coverage: State Farm provides extensive coverage options, including liability, collision, and comprehensive, tailored for Hyundai Kona.
Cons
- Limited Discounts: Despite being known for many discounts, some Hyundai Kona owners might find fewer applicable discounts based on their profiles.
- Higher Rates for Younger Drivers: Hyundai Kona owners under 25 might find higher premiums with State Farm, impacting affordability.
#2 – USAA: Best for Military Savings
Pros
- Military Benefits: USAA auto insurance review provides unique discounts and benefits for military members and their families, ensuring affordable Hyundai Kona insurance.
- Low Rates: With rates starting at $146, USAA provides competitive pricing for Hyundai Kona owners.
- High Customer Satisfaction: USAA consistently ranks high in customer satisfaction, ensuring a positive experience for Hyundai Kona policyholders.
Cons
- Membership Restrictions: USAA is only available to military members and their families, limiting accessibility for other Hyundai Kona owners.
- Limited Local Agents: USAA relies more on online and phone support, which might not suit those preferring face-to-face interactions.
#3 – AAA: Best for Local Agents
Pros
- Valuable Membership Perks: AAA offers additional benefits such as roadside assistance and travel discounts, enhancing the value for Hyundai Kona owners.
- Comprehensive Coverage: AAA provides extensive coverage options tailored to Hyundai Kona, ensuring robust protection.
- Competitive Rates: With rates starting at $177, AAA offers competitive pricing for Hyundai Kona insurance. Learn more about their rates in our AAA auto insurance review.
Cons
- Higher Initial Cost: AAA’s initial rates might be higher compared to some competitors, affecting affordability for Hyundai Kona owners.
- Membership Requirement: AAA requires membership for insurance benefits, adding an extra step for Hyundai Kona policyholders.
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#4 – Progressive: Best for Cheap Rates
Pros
- Affordable Rates: Progressive offers Hyundai Kona auto insurance starting at $91, making it a top choice for budget-conscious drivers.
- Discount Opportunities: Progressive provides numerous discounts, including safe driver and multi-policy discounts, enhancing savings for Hyundai Kona owners.
- User-Friendly Online Tools: Progressive’s online tools and mobile app make managing Hyundai Kona insurance convenient and efficient. Learn more in our Progressive auto insurance review.
Cons
- Customer Service Variability: Progressive’s customer service experiences can vary, potentially impacting Hyundai Kona owners seeking consistent support.
- Higher Rates for High-Risk Drivers: Progressive may charge higher premiums for Hyundai Kona owners with poor driving records, affecting affordability.
#5 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness Program: Travelers offers accident forgiveness, ensuring Hyundai Kona owners won’t see rate hikes after their first accident.
- Comprehensive Coverage: With robust coverage options, Travelers ensures Hyundai Kona owners are well-protected.
- Competitive Rates: Starting at $160, Travelers offers competitive rates for Hyundai Kona auto insurance.
Cons
- Limited Discount Options: As outlined in our Travelers auto insurance review they might offer fewer discounts compared to other providers, impacting potential savings for Hyundai Kona owners.
- Complex Policy Structures: Travelers’ policy options can be complex, requiring Hyundai Kona owners to carefully review their coverage.
#6 – Geico: Best for Online Convenience
Pros
- Low Rates: Geico offers some of the lowest rates for Hyundai Kona auto insurance, starting at $144.
- Extensive Discount Programs: As mentioned in our Geico auto insurance discounts, they provide various discounts, such as good driver and multi-policy discounts, enhancing affordability for Hyundai Kona owners.
- Strong Online Presence: Geico’s robust online tools make it easy for Hyundai Kona owners to manage their policies and claims.
Cons
- Variable Customer Service: Geico’s customer service quality can be inconsistent, impacting the experience for Hyundai Kona owners.
- Higher Rates for High-Risk Drivers: Geico may impose higher premiums on Hyundai Kona owners with less favorable driving records.
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#7 – Nationwide: Best for Usage Discount
Pros
- Usage-Based Discounts: Nationwide auto insurance review offers significant discounts through its usage-based insurance programs, making it cost-effective for Hyundai Kona owners.
- Comprehensive Coverage: Nationwide provides extensive coverage options tailored to Hyundai Kona needs.
- Strong Customer Service: Known for excellent customer support, Nationwide ensures Hyundai Kona owners have a positive experience.
Cons
- Higher Base Rates: Nationwide’s base rates might be higher compared to other providers, affecting affordability for Hyundai Kona insurance.
- Limited Local Agents: Nationwide’s local agent availability might be limited, impacting those who prefer face-to-face service.
#8 – Allstate: Best for Add-On Coverages
Pros
- Extensive Add-On Options: Allstate auto insurance review provides numerous add-on coverages, such as gap insurance and roadside assistance, providing extra protection for Hyundai Kona owners.
- Strong Claims Process: Allstate’s efficient claims process ensures quick resolution for Hyundai Kona policyholders.
- Robust Online Tools: Allstate’s online tools and mobile app enhance convenience for Hyundai Kona insurance management.
Cons
- Higher Premiums: Allstate’s premiums, starting at $243, are higher compared to many competitors, impacting affordability for Hyundai Kona owners.
- Discount Limitations: Allstate might offer fewer discounts compared to other providers, affecting potential savings for Hyundai Kona insurance.
#9 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual offers highly customizable policies, allowing Hyundai Kona owners to tailor their coverage to specific needs.
- Comprehensive Coverage Options: Liberty Mutual auto insurance review provides extensive coverage options, ensuring robust protection for Hyundai Kona.
- Discount Opportunities: Liberty Mutual offers various discounts, enhancing affordability for Hyundai Kona insurance.
Cons
- Higher Rates: Liberty Mutual’s rates, starting at $178, may be higher compared to some competitors, affecting affordability for Hyundai Kona owners.
- Variable Customer Service: Customer service experiences with Liberty Mutual can vary, potentially impacting satisfaction for Hyundai Kona policyholders.
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#10 – Farmers: Best for Local Agents
Pros
- User-Friendly Online Platform: Farmers offers a highly convenient online platform for managing Hyundai Kona insurance policies.
- Comprehensive Coverage Options: Farmers auto insurance review provides extensive coverage tailored to Hyundai Kona needs.
- Competitive Rates: With rates starting at $138, Farmers offers competitive pricing for Hyundai Kona auto insurance.
Cons
- Limited Discount Options: Farmers might offer fewer discounts compared to other providers, impacting potential savings for Hyundai Kona owners.
- Higher Rates for Younger Drivers: Farmers may charge higher premiums for Hyundai Kona owners under 25, affecting affordability.
Hyundai Kona Insurance Cost
When it comes to insuring your Hyundai Kona, understanding the different insurance options and how various providers compare is essential. This section provides a detailed look at monthly insurance rates for both minimum and full coverage insurance from a range of insurance companies.
The table below can make a more informed decision about which provider and coverage level best suit your needs and budget.
Hyundai Kona Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $57 $177
Allstate $78 $243
Farmers $43 $138
Geico $44 $144
Liberty Mutual $57 $178
Nationwide $51 $155
Progressive $29 $91
State Farm $38 $119
Travelers $53 $160
USAA $46 $146
Reviewing and comparing rates from multiple companies, can help you find the best insurance plan that offers the right balance of coverage and cost.
State Farm excels in competitive rates and exceptional customer service.Michelle Robbins LICENSED INSURANCE AGENT
In summary, insuring your Hyundai Kona requires careful consideration of the coverage options and insurance providers available. This approach will help ensure that you are adequately protected on the road while managing your insurance expenses effectively.
Hyundai Kona Insurance Costs Explained
The chart below details how Hyundai Kona insurance rates compare to other crossovers like the Audi Q5, Toyota RAV4, and Chevrolet Trax.
Hyundai Kona Auto Insurance Monthly Rates vs. Other Vehicles
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Hyundai Kona | $23 | $42 | $26 | $103 |
| Audi Q5 | $30 | $60 | $31 | $134 |
| Toyota RAV4 | $23 | $40 | $33 | $109 |
| Chevrolet Trax | $23 | $39 | $31 | $107 |
| Nissan Murano | $25 | $43 | $33 | $113 |
| Ford Escape | $23 | $37 | $26 | $98 |
| MINI Clubman | $27 | $42 | $33 | $115 |
The Hyundai Kona stands out as an affordable option compared to some other popular crossovers. The Audi Q5 has the highest insurance costs, while the Ford Escape offers the lowest.
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Factors That Impact Hyundai Kona Insurance Costs
The insurance costs for a Hyundai Kona are influenced by various factors. The specific trim and model you choose can significantly impact the premiums, with higher-end trims generally costing more to insure.
Driver-related factors such as age, driving record, and location also play a crucial role, as younger drivers, those with traffic violations, and residents of urban areas typically face higher rates.
The level of coverage selected, annual mileage, and the vehicle’s safety features and ratings can affect insurance costs. Financial factors like credit score and claims history are also considered by insurers, with better scores and fewer claims leading to lower premiums.
Finally, how you use your Hyundai Kona, whether for personal, business, or rideshare purposes, can influence the overall insurance costs. Understanding these factors can help you find the best insurance rates while ensuring adequate coverage.
To learn more, read our article titled “Top 7 Factors That Affect Auto Insurance Rates.”
Age of the Vehicle
Below is a detailed breakdown of insurance costs for the 2018, 2019, and 2020 Hyundai Kona models, covering comprehensive, collision, and liability coverage. This comparison will help you understand how insurance costs decrease with older vehicle models.
Hyundai Kona Auto Insurance Monthly Rates by Age of the Vehicle
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 2024 Hyundai Kona | $25 | $45 | $27 | $105 |
| 2023 Hyundai Kona | $24 | $44 | $27 | $104 |
| 2022 Hyundai Kona | $24 | $43 | $26 | $104 |
| 2021 Hyundai Kona | $23 | $42 | $26 | $103 |
| 2020 Hyundai Kona | $23 | $42 | $26 | $103 |
| 2019 Hyundai Kona | $22 | $40 | $28 | $102 |
| 2018 Hyundai Kona | $21 | $40 | $28 | $101 |
Understanding these differences can help you make a more informed decision when selecting an insurance policy for your Hyundai Kona, potentially saving you money on your annual insurance expenses.
Driver Age
Driver age significantly affects Hyundai Kona insurance costs, with younger drivers generally paying higher premiums.
Hyundai Kona Auto Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age: 18 | $375 |
| Age: 20 | $248 |
| Age: 30 | $107 |
| Age: 40 | $103 |
| Age: 50 | $94 |
| Age: 60 | $92 |
Driver age plays a crucial role in determining Hyundai Kona insurance premiums, with younger drivers facing significantly higher costs. As drivers age, their insurance rates generally decrease, reflecting the lower risk associated with more experienced drivers.
Driver Location
The location where you live can also greatly influence Hyundai Kona insurance rates. The table below compares insurance costs for various U.S. cities, illustrating the geographic variability in premiums.
Hyundai Kona Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Chicago, IL | $136 |
| Columbus, OH | $85 |
| Houston, TX | $161 |
| Indianapolis, IN | $87 |
| Jacksonville, FL | $149 |
| Los Angeles, CA | $176 |
| New York, NY | $162 |
| Philadelphia, PA | $138 |
| Phoenix, AZ | $119 |
| Seattle, WA | $100 |
Location is a key factor in determining Hyundai Kona insurance rates, with significant variations across different cities. Knowing these differences can assist in budgeting for insurance costs based on where you live.
Your Driving Record
A driver’s record plays a critical role in determining Hyundai Kona insurance rates. The table below highlights how accidents and violations impact insurance costs for drivers of different ages.
Insurance rates for the Hyundai Kona are influenced by the driver’s record, with higher premiums for those with violations or accidents. Maintaining a clean driving record is crucial for keeping insurance costs manageable.
Hyundai Kona Safety Ratings
Safety ratings of the Hyundai Kona are another important factor that affects insurance rates. The table below provides an overview of the Kona’s safety ratings from the Insurance Institute for Highway Safety.
The Hyundai Kona’s strong safety ratings contribute positively to its insurance rates, reflecting the vehicle’s robust protection in various crash scenarios. These high ratings can help in securing more favorable insurance premiums.
Hyundai Kona Crash Test Ratings
Crash test ratings are crucial for understanding the safety and insurance implications for the Hyundai Kona. Below is a detailed breakdown of the Kona’s crash test ratings across different models and configurations.
Hyundai Kona Crash Test Ratings
| Vehicle | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Hyundai Kona SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2024 Hyundai Kona SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2024 Hyundai Kona Electric SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2023 Hyundai Kona SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2023 Hyundai Kona SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2023 Hyundai Kona Electric SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2022 Hyundai Kona SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2022 Hyundai Kona SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2022 Hyundai Kona Electric SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2021 Hyundai Kona SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2021 Hyundai Kona SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2021 Hyundai Kona Electric SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Hyundai Kona SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Hyundai Kona SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Hyundai Kona Electric SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Hyundai Kona SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Hyundai Kona SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Hyundai Kona Electric SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Hyundai Kona SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Hyundai Kona SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
The Hyundai Kona’s excellent crash test ratings demonstrate its strong performance in safety evaluations, which is a positive factor for insurance considerations. These ratings underscore the vehicle’s commitment to safety, potentially leading to more favorable insurance rates.
Hyundai Kona Safety Features
The Hyundai Kona safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Hyundai Kona auto insurance rates. The Hyundai Kona’s safety features include:
Hyundai Kona Safety Features
| Feature | Description |
|---|---|
| 4-Wheel ABS | Prevents wheel lockup during hard braking. |
| 4-Wheel Disc Brakes | Provides reliable stopping power. |
| Brake Assist | Boosts braking power during emergency stops. |
| Child Safety Locks | Prevents children from opening rear doors. |
| Daytime Running Lights | Enhances visibility during the day. |
| Driver Air Bag | Protects the driver in a frontal crash. |
| Electronic Stability Control | Helps maintain control during sudden maneuvers. |
| Front Head Air Bag | Protects front occupants' heads in a collision. |
| Front Side Air Bag | Shields front occupants from side impacts. |
| Lane Departure Warning | Alerts if the vehicle drifts from its lane. |
| Lane Keeping Assist | Helps steer the vehicle back into its lane. |
| Passenger Air Bag | Protects the front passenger in a frontal crash. |
| Rear Head Air Bag | Protects rear occupants' heads in a collision. |
| Traction Control | Reduces wheel spin on slippery surfaces. |
If you are financing a Hyundai Kona, most lenders will require your carry higher Hyundai Kona coverage options including comprehensive coverage, so be sure to shop around and compare Hyundai Kona auto insurance rates from the best companies using our free tool below.
Ways to Save on Hyundai Kona Insurance
Exploring discount programs from various insurance providers is a great way to reduce your Hyundai Kona insurance costs. The following table highlights some of the top discounts available from leading auto insurance companies, showing the potential savings and specific programs that can help lower your premiums.
Utilize the discount programs listed above to further lower your premiums and ensure you are getting the best value for your insurance coverage.
Are you a good driver? Read our article, titled “How to Get a Good Driver Auto Insurance Discount“.
Top Hyundai Kona Insurance Companies
Several insurance companies offer competitive rates for the Hyundai Kona based on factors like discounts for safety features. Take a look at these top auto insurance companies that are popular with Hyundai Kona drivers organized by market share.
Hyundai Kona Auto Insurance Providers by Market Share
| Rank | Insurance Company | Premium Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $66.1 million | 9% |
| #2 | Geico | $46.3 million | 6% |
| #3 | Progressive | $41.7 million | 5% |
| #4 | Allstate | $39.2 million | 5% |
| #5 | Liberty Mutual | $36.1 million | 5% |
| #6 | Travelers | $28.7 million | 4% |
| #7 | USAA | $24.6 million | 3% |
| #8 | Chubb | $24.1 million | 3% |
| #9 | Farmers | $20 million | 2% |
| #10 | Nationwide | $18.4 million | 2% |
For more information, read our article titled “How Auto Insurance Competition Helps Customers Get Lower Rates“. Start comparing Hyundai Kona auto insurance quotes for free by using our convenient online comparison tool.
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Frequently Asked Questions
Is auto insurance mandatory for a Hyundai Kona?
Yes, auto insurance is mandatory for all vehicles, including the Hyundai Kona, in most regions. Check with your local transportation or insurance regulatory authority for specific requirements.
Read More: When did auto insurance become mandatory?
How is the cost of auto insurance for a Hyundai Kona determined?
Insurance costs are influenced by factors such as the driver’s age, driving record, location, the specific trim and model of the Kona, coverage level, annual mileage, and the vehicle’s safety features and ratings. Financial factors like credit score and claims history also play a role.
Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
Can I get discounts on Hyundai Kona auto insurance?
Yes, many insurance companies offer discounts, including safe driving discounts, anti-theft device discounts, and bundling discounts. Ask your provider about specific discounts that apply to your situation.
Can I transfer my existing auto insurance policy to cover a new Hyundai Kona?
Yes, you can transfer your existing policy to cover a new Hyundai Kona. Notify your insurance provider about the vehicle change as soon as possible to update your policy and adjust the premium.
What should I do if I’m involved in an accident with my Hyundai Kona?
Ensure everyone’s safety and call emergency services if needed. Exchange information with the other driver, document the scene, and notify your insurance company to report the accident and start the claims process. For more information, read our article titled “How long does an accident stay on your record?”
How can I lower my Hyundai Kona insurance premiums?
Compare quotes from different providers, inquire about discounts, consider higher deductibles, maintain a clean driving record, and park your vehicle in a safe location like a garage.
Are there specific insurance providers recommended for Hyundai Kona owners?
State Farm, USAA, and AAA are recommended for their competitive rates and customer service. State Farm offers comprehensive coverage, USAA is ideal for military families, and AAA provides valuable membership perks.
Does the age of my Hyundai Kona affect insurance costs?
Yes, older models generally cost less to insure than newer ones due to their lower market value. Compare insurance rates for different model years to see how age impacts premiums.
How do Hyundai Kona safety ratings impact insurance premiums?
High safety ratings lead to lower insurance premiums, as vehicles with better safety scores are considered lower risk by insurers. The Hyundai Kona has strong safety ratings, contributing to favorable rates.
What types of coverage are essential for a Hyundai Kona?
Essential coverage includes liability, collision, and comprehensive. Additional options like uninsured/underinsured motorist coverage, medical payments, or personal injury protection can also be beneficial. Review your needs to determine the best coverage for your Hyundai Kona.
Use our free comparison tool below to see what auto insurance quotes look like in your area.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
