How Much Does KIA Car Insurance Cost?
The typical monthly insurance cost for a KIA is $187, adding up to about $2,251 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
Insuring a Kia currently costs around $2,251 per year on average, depending on whether you drive a compact Forte or a larger Telluride. While these vehicles are generally affordable to cover, your specific rate fluctuates based on your location and driving history.
Regional factors, such as Florida’s high PIP requirements or urban theft rates, can push these premiums higher. Standard safety features and recent security updates on newer models also play a significant role in determining your final car insurance premium.
What’s Changed In 2026?
- Insurers currently provide better rates for models that have received essential security software updates.
- The growing popularity of electric models like the EV9 currently results in higher average comprehensive premiums.
How Much Does KIA Insurance Cost?
The average monthly cost to insure a KIA is $187, amounting to approximately $2,251 per year. However, your insurance premium will depend on factors such as your age, location, driving history, and the specific KIA model you drive.
Average KIA Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a KIA, across all models, is $2,251 per year.
The KIA Sportage is the cheapest model to insure, at $1,924 per year. On the other hand, the KIA Telluride is the most expensive, at an average of $2,593 per year.
Use the table below to compare insurance rates for KIA models.
| KIA Model | Average Yearly Insurance Cost |
| KIA Cadenza | $2,550 |
| KIA Forte | $2,296 |
| KIA Niro | $1,926 |
| KIA Optima | $2,366 |
| KIA Rio | $2,274 |
| KIA Sedona | $1,970 |
| KIA Sorento | $1,926 |
| KIA Soul | $2,363 |
| KIA Sportage | $1,924 |
| KIA Stinger | $2,572 |
| KIA Telluride | $2,593 |
Keep in mind that these numbers are just averages. The actual cost can change based on where you live, your age, your driving record, and the type of coverage you select.
Are KIAs Expensive To Insure?
The national average monthly cost of car insurance is $157, while insuring a KIA averages $187 per month across all models—a noticeable increase. However, insurance rates are typically influenced by the specific car model rather than the brand overall, so it’s important to review rates tailored to your vehicle.
KIA Cadenza Insurance Cost
The average cost of insuring a KIA Cadenza across all model years, is $1,404 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2021 KIA Cadenza | $1,337 |
| 2020 KIA Cadenza | $2,343 |
| 2019 KIA Cadenza | $1,094 |
| 2018 KIA Cadenza | $1,467 |
| 2017 KIA Cadenza | $780 |
KIA Forte Insurance Cost
The average cost of insuring a KIA Forte across all model years, is $608 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 KIA Forte | $1,000 |
| 2023 KIA Forte | $733 |
| 2022 KIA Forte | $404 |
| 2021 KIA Forte | $427 |
| 2020 KIA Forte | $480 |
KIA Niro Insurance Cost
The average cost of insuring a KIA Niro across all model years, is $1,048 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 KIA Niro | $2,031 |
| 2023 KIA Niro | $997 |
| 2022 KIA Niro | $773 |
| 2021 KIA Niro | $742 |
| 2020 KIA Niro | $695 |
KIA Optima Insurance Cost
The average cost of insuring a KIA Optima across all model years, is $1,470 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 KIA Optima | $1,692 |
| 2022 KIA Optima | $2,844 |
| 2021 KIA Optima | $1,231 |
| 2020 KIA Optima | $819 |
| 2015 KIA Optima | $767 |
KIA Rio Insurance Cost
The average cost of insuring a KIA Rio across all model years, is $889 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 KIA Rio | $935 |
| 2022 KIA Rio | $1,044 |
| 2021 KIA Rio | $832 |
| 2020 KIA Rio | $893 |
| 2019 KIA Rio | $741 |
KIA Sedona Insurance Cost
The average cost of insuring a KIA Sedona across all model years, is $1,732 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2022 KIA Sedona | $5,366 |
| 2021 KIA Sedona | $1,021 |
| 2020 KIA Sedona | $904 |
| 2019 KIA Sedona | $674 |
| 2018 KIA Sedona | $697 |
KIA Sorento Insurance Cost
The average cost of insuring a KIA Sorento across all model years, is $912 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 KIA Sorento | $1,507 |
| 2023 KIA Sorento | $1,039 |
| 2022 KIA Sorento | $844 |
| 2021 KIA Sorento | $634 |
| 2020 KIA Sorento | $537 |
KIA Soul Insurance Cost
The average cost of insuring a KIA Soul across all model years, is $683 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 KIA Soul | $994 |
| 2023 KIA Soul | $555 |
| 2022 KIA Soul | $629 |
| 2021 KIA Soul | $556 |
| 2020 KIA Soul | $681 |
KIA Sportage Insurance Cost
The average cost of insuring a KIA Sportage across all model years, is $687 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 KIA Sportage | $1,042 |
| 2023 KIA Sportage | $400 |
| 2022 KIA Sportage | $558 |
| 2021 KIA Sportage | $720 |
| 2020 KIA Sportage | $716 |
KIA Stinger Insurance Cost
The average cost of insuring a KIA Stinger across all model years, is $1,181 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 KIA Stinger | $1,344 |
| 2022 KIA Stinger | $1,322 |
| 2021 KIA Stinger | $1,424 |
| 2020 KIA Stinger | $988 |
| 2019 KIA Stinger | $831 |
KIA Telluride Insurance Cost
The average cost of insuring a KIA Telluride across all model years, is $962 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 KIA Telluride | $1,411 |
| 2023 KIA Telluride | $997 |
| 2022 KIA Telluride | $860 |
| 2021 KIA Telluride | $727 |
| 2020 KIA Telluride | $814 |
Cheapest Car Insurance Companies For KIA
The cost of your KIA car insurance policy will depend on the company that you choose. Auto-Owners offers the cheapest rates for insuring a KIA, at $1,660 per year.
Use the table below to compare cheap full-coverage rates for a KIA.
| Company | Average Annual Premium |
| Auto-Owners | $1,660 |
| Progressive | $1,991 |
| USAA | $1,905 |
| Geico | $2,153 |
| Erie | $1,874 |
KIA Car Insurance Cost – By Driver Age
The rates you pay to insure a KIA will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $7,483 |
| 18 | $6,988 |
| 19 | $6,171 |
| 20 | $5,371 |
| 21 | $4,518 |
| 22 | $4,401 |
| 23 | $3,840 |
| 24 | $3,663 |
| 25 | $3,146 |
| 30 | $2,447 |
| 35 | $2,304 |
| 40 | $2,204 |
| 45 | $2,163 |
| 55 | $1,976 |
| 65 | $2,055 |
| 75 | $2,595 |
Seeing the average cost is helpful, but it doesn’t tell you what your own policy actually protects. Curious what’s really in yours? Upload it to PolicyOwl and get a clear, plain-English breakdown in minutes.
Average KIA Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| Nationwide | $122 |
| Travelers | $211 |
| Safeco | $181 |
| Allstate | $138 |
Average KIA Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,329 |
| Alaska | $1,814 |
| Arizona | $2,169 |
| Arkansas | $2,360 |
| California | $2,701 |
| Colorado | $2,489 |
| Connecticut | $3,228 |
| Delaware | $2,663 |
| Florida | $3,117 |
| Hawaii | $1,018 |
| Idaho | $1,738 |
| Illinois | $1,861 |
| Indiana | $1,877 |
| Iowa | $1,497 |
| Kansas | $2,055 |
| Kentucky | $2,925 |
| Louisiana | $3,726 |
| Maine | $1,427 |
| Maryland | $2,256 |
| Massachusetts | $1,779 |
| Michigan | $4,503 |
| Minnesota | $1,789 |
| Mississippi | $2,221 |
| Missouri | $2,061 |
| Montana | $2,137 |
| Nebraska | $1,807 |
| Nevada | $3,001 |
| New Hampshire | $2,091 |
| New Jersey | $2,257 |
| New Mexico | $2,245 |
| New York | $1,942 |
| North Carolina | $1,297 |
| North Dakota | $1,788 |
| Ohio | $1,595 |
| Oklahoma | $2,555 |
| Oregon | $2,332 |
| Pennsylvania | $1,966 |
| Rhode Island | $3,237 |
| South Carolina | $2,210 |
| South Dakota | $1,980 |
| Tennessee | $2,348 |
| Texas | $2,347 |
| Utah | $1,981 |
| Vermont | $1,431 |
| Virginia | $1,482 |
| Washington | $1,943 |
| West Virginia | $1,975 |
| Wisconsin | $1,928 |
| Wyoming | $1,828 |
| Georgia | $2,553 |
How To Save Money On KIA Car Insurance
Owning a KIA comes with various expenses, and car insurance is one of the largest. However, you can still find ways to save on your insurance. Here’s how:
Maintain a Clean Driving Record
Your driving history is important to insurance companies when setting your premium. By avoiding accidents and traffic tickets, you show insurers that you’re a low-risk driver, which can significantly lower your insurance costs.
Bundle Your Policies
Many insurers offer discounts if you combine multiple policies, like home and auto insurance. This not only makes managing your insurance easier but also saves you money on premiums.
Raise Your Deductible
Increasing your deductible—the amount you pay out of pocket before your insurance covers the rest—can lower your premium. Just make sure you can afford the higher deductible if you have an accident.
Install Safety Features
KIA vehicles come with many safety features, but adding extras like anti-theft devices can further reduce your insurance costs by lowering the risk of theft and damage.
Take Advantage of Discounts
Insurance companies often offer discounts for things like being a good student, having a clean driving record, or completing a defensive driving course. Ask your insurer about any discounts you might qualify for.
Shop Around
Insurance premiums can vary widely between different providers. It’s important to compare quotes and choose the insurer that offers the best value for your needs.
Consider Usage-Based Insurance
If you don’t drive your KIA often, think about usage-based insurance. This type of policy bases your premium on how much you drive, potentially saving you money if your KIA isn’t your main vehicle.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results
FAQs
What Is The Most Expensive KIA Model To Insure?
At $2,593 per year, the KIA Telluride is the most expensive KIA model for car insurance.
What Is The Cheapest KIA Model To Insure?
The KIA Sportage is the cheapest model for car insurance, at $1,924 per year.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.