Best Kia Car Insurance Rates in 2024 (Find the Top 10 Companies Here!)

Geico, Progressive, and State Farm have the best Kia car insurance rates, especially if you want more than the minimum car insurance requirements in your state.

Geico offers the best insurance for Kias because it combines affordability, opportunities for discounts, and excellent digital tools into one convenient package.

Our Top 10 Company Picks: Best Kia Car Insurance Rates

Kia drivers who work for the government will find Geico insurance particularly useful since the company offers a special government employee discount.

Whether you need Kia Rio car insurance or excellent coverage for any other Kia model, you can explore your options below. Then, enter your ZIP code into our free comparison tool above to find the best rates.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#1 – Geico: Top Pick Overall

Pros

• Discounts for Safety Features: Kia models often come with advanced safety features that qualify for Geico’s safety discounts.
• Affordable Premiums: Geico is known for some of the lowest car insurance premiums in the market. See how much you might pay in our Geico car insurance review.
• Excellent Mobile App: Geico has a user-friendly app for managing policies, claims, and payments.

Cons

• Limited Local Agents: Geico focuses primarily on online and phone support, which might not appeal to those who prefer face-to-face interactions.
• Repair Shop Restrictions: Geico usually requires drivers to use preferred repair shops for claims.

#2 – Progressive: Best for a Digital Insurance Experience

Pros

• Usage-Based Discounts: Sign up for Progressive’s usage-based insurance (UBI) program, Snapshot, to earn a discount of up to 30%.
• Competitive Rates: Most drivers can find low rates for many Kia models from Progressive.
• Comprehensive Online Tools: Take advantage of Progressive’s excellent website and mobile app for policy management. Drivers looking for the cheapest car insurance for Kias should try the Name Your Price tool.

Cons

• Unexpected Price Hikes: Rates can increase unexpectedly after the first policy period. Learn more about potential rate increases in our Progressive car insurance review.
• Customer Satisfaction: Progressive has mixed reviews on claims handling and customer service, and it struggles with customer loyalty.

#3 – State Farm: Best for Personalized Service

Pros

• Drive Safe & Save: Drive Safe & Save is State Farm’s UBI program that offers discounts for good driving. See if Drive Safe & Save is right for you in our State Farm car insurance review.
• Strong Customer Service: State Farm receives high ratings for its customer support and claims processing.
• Local Agents: State Farm maintains a wide network of local agents for personalized service.

Cons

• Higher Initial Quotes: State Farm’s initial premiums can be higher compared to other insurers.
• App Functionality: The State Farm mobile app is not as robust as some competitors.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#4 – Allstate: Best for Full Coverage Policies

Pros

• New Car Discount: Allstate offers a variety of discounts to help lower rates, including savings for owning newer Kia models.
• Safe Driving Bonuses: Aside from a discount, Allstate also offers rewards for safe driving behaviors. Read our Allstate car insurance review to learn more.
• Comprehensive Coverage Options: If you want a full coverage policy, Allstate offers a variety of coverage choices and the customer service support you need to manage your plan.

Cons

• Higher Premiums: Allstate is almost always one of the most expensive insurance providers, no matter if you’re looking for Kia Soul insurance costs or coverage for another model.
• Mixed Reviews: Customer service and claims experiences from Allstate vary significantly.

#5 – Nationwide: Best for UBI Savings

Pros

• UBI Savings: Save up to 40% on your Kia car insurance price by enrolling in SmartRide. If you’re a low-mileage driver, SmartMiles might offer lower prices or consider other Nationwide car insurance discounts.
• Vanishing Deductible: Buy the vanishing deductible add-on to earn $100 off your deductible for every year you spend claims-free, up to $500.
• Strong Financial Stability: Nationwide has high ratings for financial strength and reliability, with an A+ from A.M. Best.

Cons

• Average Customer Satisfaction: Nationwide receives mixed reviews on customer service, with some customers happy and others disappointed.
• Discount Availability: With only 11 discount options, Nationwide has fewer discounts than most competitors.

#6 – Farmers: Best Selection of Car Insurance Discounts

Pros

• Customizable Coverage: Whether you need Kia Forte car insurance or coverage for a Sedona, Farmers makes it easy to customize your policy with a variety of coverage options.
• Long List of Discounts: Farmers offers one of the largest selections of discounts on the market. With 23 options to choose from, most drivers find a way to save.
• New Car Replacement: Purchase Farmers’ new car replacement coverage to replace your new Kia if it’s totaled in an accident or due to theft. See other coverage options in our Farmers car insurance review.

Cons

• Higher Average Rates: It’s not usually the most expensive of the insurance companies that cover Kias, but it’s also not the cheapest.
• Website and App: Farmer’s online tools and app functionality can be lacking.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#7 – Liberty Mutual: Best for Unique Coverage Options

Pros

• Diverse Coverage Options: Get the best car insurance for Kias by signing up for Liberty Mutual’s add-ons, like better car replacement coverage and roadside assistance. See all your coverage options in our Liberty Mutual car insurance review.
• Accident Forgiveness: Liberty Mutual will forgive your first at-fault accident when you purchase this coverage, which helps you keep your cheap Kia insurance.
• Solid Discounts: Liberty Mutual offers 17 discounts to help drivers save.

Cons

• Higher Premiums: With rates that are often higher than other insurers, Liberty Mutual might not be the best choice for cheap car insurance for Kias.
• Customer Service Variability: Liberty Mutual doesn’t always leave a good impression on drivers, as the company receives mixed reviews.

#8 – American Family: Best for Quick Claims Service

Pros

• Good Student Discount: Kias are popular among young drivers, and American Family wants to help them find affordable insurance with its good student discount.
• Accident Forgiveness: Have your first at-fault accident forgiven when you purchase American Family’s optional accident forgiveness coverage.
• Costco Policies: American Family underwrites Costco’s car insurance policies, helping warehouse members find affordable Kia car insurance prices.

Cons

• Regional Availability: American Family insurance is not available in all states. See if you live in a state with American Family coverage in our Am Fam car insurance review.
• Higher Rates for Some Drivers: Rates can be more expensive, particularly for drivers over 60.

#9 – USAA: Best for Military Families

Pros

• Military-Focused Benefits: USAA offers tailored discounts and services for military families.
• High Customer Satisfaction: Customers usually leave excellent reviews for USAA’s customer service and claims resolution.
• Affordable Rates: USAA is almost always the cheapest option for auto insurance for Kias.

Cons

• Eligibility Restrictions: USAA requires membership to purchase insurance, and membership is only available to military members and their families.
• Coverage Options: There are fewer add-on options at USAA than some competitors. See what you can add to your policy in our USAA car insurance review.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#10 – Erie: Best Customer Service

Pros

• Comprehensive Coverage: Erie has a wide range of coverage options and add-ons, so you can get the best car insurance for Kias.
• Competitive Rates: Generally speaking, Erie has lower rates for many Kia models compared with most of its competitors.
• Customer Satisfaction: Erie focuses more on its customer experience than most companies, resulting in higher customer service ratings.

Cons

• Regional Availability: Erie is only available in 12 states, mainly located on the East Coast. See which states you can purchase coverage in our Erie car insurance review.
• Discount Limitations: Erie only offers eight discounts, but most drivers still see affordable rates for Kia Sedona car insurance and coverage for other Kia models.

Required Kia Car Insurance Coverage

Before you compare car insurance quotes for your Kia, find out how much coverage you need. Start with your state minimums, then add any insurance your auto loan or lease might require. Then, you can dive into how to compare car insurance quotes for your Kia.

State minimum Kia car insurance coverages include:

• Liability: Liability auto insurance coverage pays for damages and injuries you cause to other drivers or passengers in an at-fault accident.
• Medical Payments: Medical payments covers your and your passengers’ hospital and medical bills after an accident or collision.
• Personal Injury Protection: Personal injury protection pays for medical bills, lost wages, and some household care if you get injured and can’t work after an accident or collision.
• Uninsured/Underinsured Motorist Coverage: Uninsured/underinsured motorist coverage pays for property damage caused by an uninsured, underinsured, or hit-and-run driver.

Every state requires liability car insurance on a Kia, except New Hampshire and Virginia. If you live in a no-fault state, you must also carry other types of car insurance, such as uninsured/underinsured motorist coverage and either medical payments or personal injury protection, resulting in higher rates.

Kia full coverage insurance costs more but provides a wider range of coverage, including damages to you and your vehicle caused by you and other drivers, weather-related incidents, fire, theft, and vandalism.

How to Compare Kia Car Insurance Rates

Now that you know how much car insurance coverage you need, compare Kia auto insurance quotes. Consider the following factors that affect car insurance rates before choosing an insurance company:

• Age: Young driver’s car insurance rates are higher than average since they lack driving experience. You will need to compare young driver car insurance rates to find affordable Kia car insurance quotes.
• Vehicle Model Year: Luxury car insurance rates are the highest, while SUV and minivan drivers pay the lowest.
• Vehicle Coverage: Add-ons like gap insurance, rental car reimbursement, and higher policy limits make Kia car insurance more expensive. (For more information, read our “How do I find out if gap insurance is included in my car lease?“).
• Driving Record: Drivers with accidents or speeding tickets are riskier to insure, so insurance companies charge them higher rates. Compare car insurance rates with a bad driving record from the best companies to find affordable Kia insurance coverage.

The table below shows how much Kia car insurance costs from our top insurance companies.

Kia Car Insurance Monthly Rates by Coverage Level & Provider

The most affordable Kia car insurance is the Kia Sedona for $120 per month for full coverage. Kia Sportage insurance costs are the second cheapest at $128 monthly. The two safest models — Kia Soul and Kia Forte — also have some of the best car insurance rates for Kias at around $135.

We’re going all-in on electric at the #ElectrifyExpo Long Beach. #KiaEV9 #KiaEV6 pic.twitter.com/dyEOpEiYUF

— Kia America (@Kia) June 1, 2024

However, for hybrid vehicles, the Kia Niro is more expensive than average. We found that when you compare hybrid car insurance rates, a hybrid vehicle costs around $119 monthly to insure, so compare Kia insurance quotes online to see where you can find the lowest rates.

To compare quotes, you can request quotes by filling out an application on the homepage of most insurance companies’s websites.

Alternatively, you can get multiple quotes at the same time by using an online quote comparison tool. These tools require basic personal information like your ZIP code to generate personalized quotes from multiple companies.

Kia drivers already earn lower-than-average rates for driving safe and highly-rated vehicles. However, there are more ways to earn Kia car insurance savings.

First, you should look for discounts to help you save. You can find a selection of popular discouns from our top insurance companies for Kia insurance.

If you want more ways to save, follow these tips when you compare the best Kia car insurance rates to get the cheapest price:

• Consider Liability-Only: You might not need full coverage if you drive an older Kia, saving you hundreds of dollars per month on car insurance. 
• Increase Your Deductibles: If you agree to pay more upfront for repairs, your insurance company will charge you less for coverage. Learn about how to combine car insurance coverage with the right deductible.
• Switch to Usage-Based Insurance: If you don’t drive often, compare usage-based auto insurance programs that offer reduced rates to those who drive less.
• Shop Around: Compare cheap Kia car insurance quotes from multiple companies online to easily find affordable coverage.

As you can see, there are different ways to lower car insurance rates for your Kia. Remember that safe drivers who avoid accidents and other moving violations pay the most affordable insurance on Kias. If you’re a high-risk driver, check out our list of the best high-risk car insurance.

Find the Best Kia Car Insurance Rates Today

The cheapest Kias to insure are the Sedona and Sportage, which average less than $130 per month. Of course, Kia insurance prices are higher if you drive a luxury model, like the Optima or K900. However, can still get affordable rates by maintaining a clean driving record and asking for car insurance discounts.

How much coverage you need will also impact the cost of Kia car insurance coverage. So, enter your ZIP code to shop around for Kia car insurance rates from multiple companies to find the right policy for you.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption