Compare Kia Car Insurance Rates [2023]
Kia car insurance rates average $138/mo for full coverage and $40/mo for liability-only insurance. However, Kia car insurance quotes vary by chosen model. For example, full coverage Kia Forte insurance costs $135/mo on average, whereas full coverage for a Kia Sedona is an average of $120/mo.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Aug 2, 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: Aug 2, 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? Average Kia car insurance rates show that most drivers will pay less than $140 per month on Kia full coverage 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.
Keep reading to learn how much Kia car insurance coverage you need and where to get the best cheap car insurance. We’ll compare average Kia car insurance quotes across models and driver profiles to help you find the most affordable policy near you.
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.
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 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 uninsured/underinsured motorist coverage and either medical payments or personal injury protection, resulting in higher rates.
If you have an auto loan or lease, you’ll likely need full coverage car insurance. Full coverage is a suite of insurance policies that combines liability insurance with collision car insurance and comprehensive car insurance.
Kia full coverage insurance costs more but provides a wider range of coverage, including damages to you and your vehicle caused by you, other drivers, weather-related incidents, fire, theft, and vandalism. Learn about collision vs. comprehensive: what is the difference.
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How to Compare Kia Car Insurance Costs
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 drivers car insurance rates are higher than average, since they lack driving experience. However, compare teen 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.
- 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 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 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.
However, for 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.
Tips to Get Affordable Kia Car Insurance
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.
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 more about car insurance coverages and deductibles.
- Ask about discounts. Compare companies online to see which offers the biggest car insurance discounts to safe drivers, good students, and veterans.
- 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 Kia car insurance rates. If you’re a high-risk driver, check out our list of high-risk auto insurance companies.
Comparing Kia Car Insurance Coverage
The cheapest Kias to insure are the Sedona and Sportage, which average less than $130 per month. Of course, Kia car 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 discounts.
How much coverage you need will also impact the cost of Kia car insurance coverage. So, shop around for Kia car insurance rates from multiple companies to find the right policy for you.
Frequently Asked Questions
Is Kia more expensive to insure?
Kia auto insurance is cheaper than comparable brands, including Hyundai and Toyota. On average, Kia car insurance coverage costs $138 monthly, 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 Kia car insurance savings 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 sells car insurance coverage 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 Kia car insurance savings 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 factors like location, age, gender, and driving record. While State Farm and Geico usually have the lowest car insurance in most states, you should compare Kia auto insurance quotes online from multiple companies to find the most coverage for you.
Is a Kia Sportage expensive to insure?
Kia Sportage car insurance costs $10 less than the overall Kia average, at $128 per month. Compare Kia insurance costs by model to find the right price for your budget.
Why is Kia Soul car insurance so high?
Kia Soul car insurance is actually only an average of $134/mo for full coverage. If your rates are higher than that, ensure you get Kia car insurance quotes and apply for discounts.
Is insurance expensive for a Kia Optima?
Full coverage for a Kia Optima is an average of $145/mo, which is slightly more expensive than the average Kia insurance rate.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
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.