How much is insurance on a Hyundai Kona?

A 2024 Hyundai Kona runs about $1,800 a year for a typical 45-year-old, $140 less than an average car of the same age, because of lower non-crash losses, less damage to others' property, and lower crash-repair losses. Putting a new 16-year-old on a family policy with the Kona adds about $1,190 a year (#8 of 26 small SUVs we compare).

2024 Hyundai Kona (Kona AWD), national average

about $1,800 a year (about $150 a month)

Estimated range: $1,300–$2,400. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2018 Kona drops to about $1,560 (see the table below).

A Hyundai Kona from the 2024–present generation. Photo: MercurySable99, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Kona AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Kona's rank is the same in every state.

Why the Hyundai Kona costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Hyundai Kona 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 95 for crash repairs, 69 for non-crash damage, and 82 for damage to others' property.

Crash repairs (collision)fixing this car after a crashAverage5% better than average20th best of the 26 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average31% better than average6th best of the 26 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage18% better than average5th best of the 26 small SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costInsufficient dataNo result from HLDI for this model

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

HLDI doesn't publish a result for injuries to others on this model, so it's marked “Insufficient data”.

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Kona comes out about 13% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 5% less than average: about $910 a year vs $950. On the liability side, HLDI publishes damage to others' property but not injury claims for the Kona, so we go by that one result: about 18% better than average. We count about half, so that part is about 9% less: $900 a year vs $990.

How the math works

In EPA size classes, the Kona is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Hyundai Kona is benchmarked against small SUVs.

Matched to HLDI series “Hyundai Kona 4dr 4WD” (HLDI, 2022–24 models).

A used Hyundai Kona, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Kona AWD (0–3 years old)	about $1,800	about $900	+$1,190	about $5,170
2022 Kona AWD (4–7 years old)	about $1,690	about $900	+$1,120	about $4,860
2018 Kona AWD (8–12 years old)	about $1,560	about $900	+$1,030	about $4,470

Our catalog covers the Hyundai Kona across model years 2018–2027. Full coverage on a used 2018 Kona (8–12 years old) runs about $1,560 a year, $250 less than on a 2024. Dropping collision and comprehensive on that 2018 brings liability-only coverage to about $900 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Hyundai Kona trims, full coverage goes from about $1,800 a year on the Kona AWD to about $1,870 on the Kona FWD, because HLDI's loss results differ by body, drive, or powertrain.

Kona AWD: about $1,800
Kona Electric Long Range; Kona Electric Standard Range: about $1,840
Kona FWD: about $1,870

On a policy of their own with a 2024 Hyundai Kona, a 22–25-year-old pays about $2,340 a year ($540 more than a 45-year-old), a 26–39-year-old about $2,000, and a driver 65 and older about $1,890.

Adding a 16-year-old with a Hyundai Kona

Because the Hyundai Kona starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,190 a year ($100 a month), $90 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,170 a year, about $3,990 more than sharing the family policy.

For adding a teen driver, the Hyundai Kona ranks 28th cheapest out of all 121 models we track. Stepping down to a used 2018 Kona (8–12 years old) brings the teen add-on to about $1,030 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Hyundai Kona is the 8th least expensive to insure. Right next to it are the Toyota RAV4 Prime (about $1,790 a year) and the GMC Terrain (about $1,800).

Photos from Wikimedia Commons contributors. Photo credits.

What a Hyundai Kona costs in your state

In six sample states, a 2024 Hyundai Kona runs from about $1,200 a year in North Dakota through Montana, Pennsylvania, Arizona and Rhode Island to about $2,160 in Texas:

North Dakotaabout $1,200/yr · +$790 teen
Montanaabout $1,480/yr · +$980 teen
Pennsylvaniaabout $1,590/yr · +$1,050 teen
Arizonaabout $1,890/yr · +$1,240 teen
Rhode Islandabout $2,140/yr · +$1,410 teen
Texasabout $2,160/yr · +$1,430 teen

All 50 states and DC · Updated November 5, 2026.

What if you bought this car? Add it to a comparison

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

Does this look wrong for this car? Tell us

This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.