Compare Kia Car Insurance Rates [2023]
Insurance for a Kia costs between $120 and $160 per month. Compare Kia car insurance rates online to find the best price because quotes will vary by driver and model.
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Written by
Justin Wright |
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Reviewed by
Joel Ohman
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UPDATED: Mar 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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: Mar 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average driver pays $138 per month for full coverage Kia insurance and around $40 for liability
- The cheapest Kia to insure is the Kia Sedona at $120 per month
- Kia car insurance is very affordable for teens and young drivers, with monthly rates under $500 on most models
How much does Kia car insurance cost? The average driver pays less than $140 per month on Kia car insurance, depending on their model.
For instance, your rates will be higher if you drive the luxury Kia K900, usually around $161 monthly. Likewise, Kia Stinger insurance costs go up since driving a sports car increases your risk. Still, both models cost less to insure than other sports cars and luxury vehicles.
Kias are among America’s top ten safest cars, which is why insurance costs are so affordable. The Kia Forte and Kia Soul consistently earn the best small car safety ratings, so your rates will be well-below average if you maintain a clean driving and claims record while driving one.
Keep reading to learn how much car insurance you need for a Kia and where to get the best quotes. We compare Kia car insurance rates across models and driver profiles to help you find the most affordable policy near you.
How much Kia car insurance do you need?
Before comparing Kia car insurance rates, find out how much coverage you need. Start with your state minimums, then add any insurance your auto loan or lease might require.
State minimum insurance will include:
- Liability car insurance coverage: Pays for damages and injuries you cause to other drivers or passengers in an at-fault accident.
- Medical payments (MedPay) coverage: Pays for your and your passengers’ hospital and medical bills after an accident or collision.
- Personal injury protection (PIP) insurance: Pays for medical bills, lost wages, and some household care if you get injured and can’t work after an accident or collision.
- Uninsured/uninsured motorist (UM/UIM) coverage: Pays for property damage caused by an uninsured, underinsured, or hit-and-run driver.
Every state requires liability car insurance for 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 UM/UIM and either MedPay or PIP, which will raise your rates.
If you have an auto loan or lease, you likely need full coverage car insurance. Full coverage is a suite of insurance policies that combines liability insurance with collision coverage and comprehensive insurance.
Kia full coverage insurance costs more but provides a wider range of coverage, including damages caused by you, other drivers, weather-related incidents, fire, theft, and vandalism. Compare the difference between collision vs. comprehensive coverage to learn more.
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How to Compare Kia Car Insurance Rates
Now that you know how much car insurance coverage you need, start comparing Kia auto insurance rates. Consider the following factors that affect car insurance rates before choosing an insurance company:
- Age: Young drivers under 30 pay the highest Kia insurance rates.
- Vehicle model year: New vehicles and sports or luxury cars have the highest insurance rates, 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.
- Driving record: Drivers with accidents or speeding tickets are riskier to insure, so insurance companies charge them higher rates.
The table below shows how much Kiar car insurance costs vary across different models based on your age, coverage, and driving record:
| Vehicle Model | Liability | Full Coverage | Teen Driver | High Risk Driver | 20-Year-Old Driver | 30-Year-Old Driver | 40-Year-Old Driver | 50-Year-Old Driver | 60-Year-Old Driver |
|---|---|---|---|---|---|---|---|---|---|
| 2023 Kia Sedona | $35 | $120 | $438 | $255 | $271 | $125 | $120 | $109 | $107 |
| 2023 Kia Sportage | $37 | $128 | $468 | $272 | $290 | $134 | $128 | $117 | $114 |
| 2023 Kia Soul | $37 | $134 | $489 | $285 | $303 | $140 | $134 | $122 | $119 |
| 2023 Kia Forte | $37 | $135 | $494 | $288 | $306 | $141 | $135 | $123 | $121 |
| 2023 Kia Sorento | $37 | $141 | $517 | $301 | $320 | $148 | $141 | $129 | $126 |
| 2023 Kia Niro | $42 | $131 | $479 | $279 | $297 | $137 | $131 | $120 | $117 |
| 2023 Kia Rio | $47 | $138 | $504 | $294 | $313 | $144 | $138 | $126 | $123 |
| 2023 Kia Cadenza | $42 | $143 | $524 | $305 | $325 | $150 | $143 | $131 | $128 |
| 2023 Kia Optima | $42 | $145 | $531 | $310 | $329 | $152 | $145 | $133 | $130 |
| 2023 Kia K900 | $42 | $161 | $588 | $343 | $365 | $168 | $161 | $147 | $144 |
The cheapest Kia to insure 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 monthly rates at around $135.
However, when it comes to hybrid vehicles, the Kia Niro is more expensive than average. We found that most car insurance for hybrids costs around $119 monthly, so compare Kia insurance quotes online to see where you can find the lowest rates.
How can you lower your Kia car insurance rates?
Kia drivers already earn lower-than-average rates for driving safe and highly-rated vehicles, but there are ways to pay even less for car insurance.
Follow these tips when you compare Kia auto insurance rates to get the best price:
- Consider liability-only. If you drive an older Kia, you might not need full coverage, 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 more about car insurance coverages and deductibles.
- Ask about discounts. Compare companies online to see which offers the biggest car insurance discount to safe drivers, good students, and veterans.
- Switch to usage-based insurance. If you don’t drive often, compare usage-based car insurance companies that offer reduced rates to those who drive less.
- Shop around. Comparing car insurance quotes from multiple companies online is the easiest way to find affordable coverage on your Kia.
Remember that safe drivers who avoid accidents and other moving violations pay the cheapest Kia car insurance rates. If you’re a high-risk driver, check out our list of the best high-risk car insurance companies.
The Bottom Line on Kia Car Insurance
The cheapest Kias to insure are the Sedona and Sportage, both of which average at less than $130 per month. Of course, your rates will go up if you drive a luxury model, like the Optima or K900, but you can still get affordable rates by maintaining a clean driving record and asking for discounts.
How much coverage you need will also impact the cost of Kia insurance, so shop around for quotes from multiple companies to find one with the right price on the policy you need.
Shopping around is the easiest way to find affordable Kia car insurance. Use our comparison tool below to get free quotes from local companies today.
Frequently Asked Questions
Is car insurance expensive on a Kia?
Kia auto insurance is cheaper than comparable brands, including Hyundai and Toyota. On average, it costs $138 monthly to insure a Kia, slightly less than the $140 monthly rates for Hyundai and Toyota.
How much is car insurance for a Kia Picanto?
The Kia Picanto isn’t available in the U.S. However, a similar model, the Kia Rio, costs $138 monthly to insure. Compare rates with our international car insurance guide to learn more.
Why are Kias so expensive to insure?
Your Kia might be expensive to insure if you drive a sport or luxury edition or have accidents or speeding tickets on your record. However, Kia insurance rates for full coverage are well below the national average for most drivers.
Does Kia provide insurance?
Kia provides Power Protect insurance through Liberty Mutual. As a Kia owner, you qualify for discount rates on customizable coverage including 24-hour roadside assistance and Better Car Replacement.
Kia also offers Protection Plans that act as a type of mechanical breakdown insurance to cover batteries, brake pads, headlights, wheels, electrical components, and more.
How is Kia insurance?
Kia insurance is sold through Liberty Mutual, which performs on par with or below average regarding claims and overall customer satisfaction. However, as a Kia owner, you’re entitled to special discounts and services when you buy car insurance with Kia Power Protect, which may change your experience.
Which company has the cheapest car insurance?
The cheapest Kia insurance company will depend on where you live. Personal factors like age, gender, and driving record also impact your rates. While State Farm and Geico usually have the lowest car insurance in most states, you should compare quotes online from multiple companies to find the most affordable Kia insurance near you.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
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.
|
Written by
Justin Wright |
|
Reviewed by
Joel Ohman
|