Hyundai
Kona Electric Insurance Cost 2026
The Hyundai Kona Electric averages $2,220/year for full-coverage insurance — 21% below the $$2,800 EV national average. Real cost varies from $1,221/yr in Vermont to $3,996/yr in Michigan — a 3.3× spread for the same vehicle.
Why the Hyundai Kona Electric costs what it does to insure
Among the cheapest EVs to insure — at or below the average gas-car premium.
Three factors specifically drive the Hyundai Kona Electric's premium:
- Subcompact size keeps premiums low
- Affordable MSRP reduces replacement cost
- Good safety ratings from IIHS
Hyundai Kona Electric insurance cost by state (all 50 + DC)
Estimated annual full-coverage premium. Each state's cost = the $2,220 national average × that state's actuarial multiplier. Real quotes vary ±20% based on city, age, credit tier, and driving record.
| State | Multiplier | Estimated annual | vs. Hyundai Kona Electric avg |
|---|---|---|---|
| Michigan | 1.80× | $3,996 | +$1,776 |
| Florida | 1.55× | $3,441 | +$1,221 |
| Louisiana | 1.50× | $3,330 | +$1,110 |
| Nevada | 1.25× | $2,775 | +$555 |
| New York | 1.25× | $2,775 | +$555 |
| New Jersey | 1.20× | $2,664 | +$444 |
| California | 1.15× | $2,553 | +$333 |
| Delaware | 1.15× | $2,553 | +$333 |
| District of Columbia | 1.10× | $2,442 | +$222 |
| Georgia | 1.10× | $2,442 | +$222 |
| Maryland | 1.10× | $2,442 | +$222 |
| Rhode Island | 1.10× | $2,442 | +$222 |
| Colorado | 1.05× | $2,331 | +$111 |
| Connecticut | 1.05× | $2,331 | +$111 |
| South Carolina | 1.05× | $2,331 | +$111 |
| Missouri | 1.00× | $2,220 | $0 |
| Texas | 1.00× | $2,220 | $0 |
| Oklahoma | 0.98× | $2,176 | $-44 |
| Arizona | 0.95× | $2,109 | $-111 |
| Alabama | 0.92× | $2,042 | $-178 |
| Mississippi | 0.92× | $2,042 | $-178 |
| New Mexico | 0.92× | $2,042 | $-178 |
| Kentucky | 0.90× | $1,998 | $-222 |
| Pennsylvania | 0.90× | $1,998 | $-222 |
| Arkansas | 0.88× | $1,954 | $-266 |
| West Virginia | 0.88× | $1,954 | $-266 |
| Minnesota | 0.87× | $1,931 | $-289 |
| Tennessee | 0.85× | $1,887 | $-333 |
| Illinois | 0.82× | $1,820 | $-400 |
| Kansas | 0.82× | $1,820 | $-400 |
| Montana | 0.82× | $1,820 | $-400 |
| Massachusetts | 0.80× | $1,776 | $-444 |
| Nebraska | 0.80× | $1,776 | $-444 |
| North Carolina | 0.80× | $1,776 | $-444 |
| Utah | 0.80× | $1,776 | $-444 |
| Wyoming | 0.80× | $1,776 | $-444 |
| Indiana | 0.78× | $1,732 | $-488 |
| North Dakota | 0.78× | $1,732 | $-488 |
| Washington | 0.78× | $1,732 | $-488 |
| Alaska | 0.75× | $1,665 | $-555 |
| South Dakota | 0.75× | $1,665 | $-555 |
| Ohio | 0.72× | $1,598 | $-622 |
| Oregon | 0.72× | $1,598 | $-622 |
| Virginia | 0.70× | $1,554 | $-666 |
| Wisconsin | 0.70× | $1,554 | $-666 |
| Iowa | 0.67× | $1,487 | $-733 |
| Idaho | 0.65× | $1,443 | $-777 |
| New Hampshire | 0.62× | $1,376 | $-844 |
| Hawaii | 0.60× | $1,332 | $-888 |
| Maine | 0.60× | $1,332 | $-888 |
| Vermont | 0.55× | $1,221 | $-999 |
How the Hyundai Kona Electric compares to other below average-tier EVs
Insurance tier is the strongest predictor of cost across the EV market. Here's how the Hyundai Kona Electric stacks up against other below average-tier vehicles in our dataset:
See your personalized Hyundai Kona Electric insurance estimate
These state averages are useful as a benchmark, but they miss the 30-80% variation driven by your age, credit tier, driving record, coverage limits, and deductible. Plug your details into our estimator and get a number tailored to you — then compare real quotes from 20+ insurers.
Use the personalized estimator →Frequently asked questions
How much does Hyundai Kona Electric insurance cost on average?
The Hyundai Kona Electric averages $2,220/year for full-coverage insurance across the United States. That's $580 (21%) below the $2,800 EV national average, and $94 below the $2,314 all-cars national average. Your actual rate will vary by 30-80% based on state, age, credit, and driving record.
What's the cheapest state to insure a Hyundai Kona Electric?
Vermont is the cheapest US state for Hyundai Kona Electric insurance, averaging about $1,221/year — that's roughly 45% below the national average. Vermont benefits from low population density, lower accident frequency, and consumer-protection-oriented insurance regulation. Other low-cost states for this vehicle include Maine ($1,332), Hawaii ($1,332), New Hampshire ($1,376).
Why is Hyundai Kona Electric insurance more expensive in some states?
Michigan tops the list at $3,996/year for the Hyundai Kona Electric — about 3.3× what Vermont drivers pay. The gap is driven by state-level factors: Michigan's no-fault system and unlimited PIP requirement, Florida's litigation costs and hurricane exposure, Louisiana's high uninsured-driver rate, and Nevada/New York's urban density. Vehicle-specific repair costs are roughly the same in any state; the variation is almost entirely state regulation and demographics.
Why does the Hyundai Kona Electric fall in the "below average" insurance tier?
Among the cheapest EVs to insure — at or below the average gas-car premium. Specifically for the Hyundai Kona Electric: Subcompact size keeps premiums low. Affordable MSRP reduces replacement cost. Good safety ratings from IIHS.
How can I lower my Hyundai Kona Electric insurance?
Five tactics consistently work: (1) shop at least three quotes — drivers who do save 15-25% vs auto-renewing, (2) bundle home + auto for 5-15% off, (3) raise your deductible from $500 to $1,000 for ~10-12% savings, (4) ask about EV-specific discounts (many carriers now offer them), (5) consider usage-based programs if you drive under 10,000 mi/year.
Does the Hyundai Kona Electric cost more to insure than a comparable gas car?
No — the Hyundai Kona Electric actually costs ~$94/year less than the all-cars national average ($2,314/yr). EVs in the "below average" insurance tier (which this car is in) tend to have moderate MSRPs, widely-available parts, and good safety records that offset the higher per-claim severity that drives EV premiums up overall.