How much does insurance cost for a 2024 Hyundai Kona?

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When shopping for a new vehicle, most people focus on the sticker price, fuel efficiency or available features – but insurance cost is also an important factor when calculating the cost of ownership.

Car insurance rates for a 2024 Hyundai Kona vary based on the coverage level you choose. Costs differ because insurers weigh the amount of protection you’re buying, the risk they take on, and how much you’d pay out of pocket if you file a claim.

For full coverage-which generally includes liability, collision, and comprehensive protection-the average price is $2,048 per year ($171 per month). This estimate is based on coverage limits of 100/300/100 with $500 deductibles for collision and comprehensive.

2024 Hyundai Kona insurance premiums by state

Insurance rates can look very different depending on where you live. Your ZIP code plays just as big a role in what you pay as factors like your age or driving record. That means the cost to insure a Kona in California could be much higher-or lower-than in Florida.

Below, we break down the states where car insurance is the most affordable, and where it’s the most expensive.

Cheapest states to insure a 2024 Hyundai Kona

Maine has the cheapest car insurance rates for 2024 Hyundai Kona drivers at an average cost of $1,282 a year or $107 per month. Other affordable states include Idaho, Hawaii, Vermont and New Hampshire.

The table below shows the cheapest states to insure a 2024 Hyundai Kona.

State name	Average annual premium
Maine	$1,282
Idaho	$1,341
Hawaii	$1,350
Vermont	$1,434
New Hampshire	$1,469

Most expensive states to insure a 2024 Hyundai Kona

At the other end of the spectrum, Louisiana is the most expensive state for car insurance at $3,284 per year. Texas comes next at $2,847 annually, followed by Michigan at $2,780.

The table below shows which states have the most expensive 2024 Hyundai Kona insurance rates.

State name	Average annual premium
Louisiana	$3,284
Texas	$2,847
Michigan	$2,780
Florida	$2,740
Colorado	$2,684

Breaking down 2024 Hyundai Kona insurance cost by trim level

Insurance costs don’t just depend on the make and model of your car – the trim level you choose can also affect your premium. Higher trims often come with bigger price tags, more powerful engines, or advanced tech features, all of which can raise the cost of coverage.

Below, you’ll see how car insurance rates for the 2024 Hyundai Kona compare across trim levels.

Trim	Average annual premium
Kona Limited	$2,074
Kona N Line	$2,124
Kona SE	$1,991
Kona SEL	$2,024

Factors that influence 2024 Hyundai Kona insurance premiums

Insurance rates for a 2024 Hyundai Kona aren’t set in stone. What you’ll pay depends on things like the car’s age, the trim you choose, who’s behind the wheel, and the coverage limits in the policy. Here’s a closer look at the factors that make a difference.

Vehicle-related factors

Vehicle value. Newer or pricier models cost more to insure.
Repair costs. Higher repair or parts costs drive up premiums.
Safety ratings. Strong crash-test results and advanced safety features may reduce rates.
Theft risk. Models frequently targeted by thieves cost more to cover.

Driver-related factors

Age and gender. Younger drivers usually pay more.
Location. City drivers face higher premiums than rural drivers.
Driving history. Clean records lower costs, while tickets and accidents increase them.
Annual mileage. More time on the road means more risk, and higher premiums.

Policy-related factors

Coverage level. Full coverage costs more than liability-only, but offers broader protection.
Deductible amount. Higher deductibles lower premiums but increase out-of-pocket costs after a claim.
Optional add-ons. Coverage like roadside assistance, gap insurance, or rental reimbursement adds convenience but raises the total premium.

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Cheapest insurance companies for insuring a 2024 Hyundai Kona

GEICO offers the cheapest car insurance rates for a 2024 Hyundai Kona, averaging $1,631 per year. Other insurers with competitive prices include State Farm, Progressive, and Nationwide. The table below shows the companies with the most affordable 2024 Hyundai Kona insurance rates.

Company group	Average annual premium
GEICO	$1,631
State Farm	$1,719
Progressive	$1,856
Nationwide	$1,860
Farmers	$2,628
Allstate	$2,713

How to lower 2024 Hyundai Kona insurance premiums

Here are some ways to bring down your car insurance costs.

Shop around for quotes. Compare rates from multiple insurers, since each company evaluates risk differently.
Adjust your coverage. If your vehicle is older or you don’t drive often, you may save by lowering your limits or dropping extras you don’t need.
Raise your deductible. A higher deductible means paying more out of pocket after a claim, but it usually lowers your monthly premium.
Take advantage of discounts. Look for savings tied to safe driving, bundling home and auto, low mileage, or built-in safety features.
Keep a clean driving record. Avoiding accidents and tickets is one of the most reliable ways to keep premiums low.
Consider usage-based insurance. Some insurers offer telematics programs that track driving habits and reward safe drivers with discounts.

Kona insurance premiums by model year

Insurance rates for the Kona change depending on the model year. In most cases, newer vehicles cost more to insure because they carry a higher market value and advanced technology that makes repairs more expensive. Rising labor and repair costs over the years have also pushed premiums higher across the board.

Below, you can compare average insurance premiums for the 2024 Hyundai Kona by model year.

Model year	Average annual premium
2018	$1,873
2019	$1,919
2020	$1,966
2021	$1,992
2022	$2,031
2023	$2,063
2024	$2,048

How expensive is it to insure a 2024 Hyundai Kona?

On average, insuring a 2024 Hyundai Kona costs $2,048 per year, which is $615 less than the national average of $2,663.

Insurance premiums vary widely, but comparing multiple quotes is the best way to make sure you’re paying a fair price while still getting strong protection.

Methodology

Insure.com commissioned Quadrant Information Services to get insurance rates for new and used vehicles. The rates are based on a sample profile of a 40-year-old male driver with a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles. We’ve compared 1,661 makes and models and 67,566,780 insurance quotes from 57 companies across 510 ZIP codes. The rates are for insurance purposes only; your exact rates may vary.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

On this page

2024 Hyundai Kona insurance premiums by state
Breaking down 2024 Hyundai Kona insurance cost by trim level
Factors that influence 2024 Hyundai Kona insurance premiums
Cheapest insurance companies for insuring a 2024 Hyundai Kona
How to lower 2024 Hyundai Kona insurance premiums
Kona insurance premiums by model year
How expensive is it to insure a 2024 Hyundai Kona?
Methodology