How Much Does KIA Car Insurance Cost?

The typical monthly insurance cost for a KIA is $186, adding up to about $2,239 per year.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 26 November 2024
Written by Bob Phillips
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KIA, founded in 1944 in South Korea, is known for producing a wide range of vehicles, including affordable sedans, SUVs, and electric cars, with a focus on value, reliability, and modern design. The cost of insuring a KIA varies based on several factors, including your age, driving history, and where you live. Car insurance companies use this information to determine the risk of insuring your KIA and set your premium accordingly. The average cost to insure a KIA is $2,239 per year.

 

How Much Does KIA Insurance Cost?

The average monthly cost to insure a KIA is $186, amounting to approximately $2,239 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 $2,239 per year.

The KIA Sportage is the cheapest model to insure, at $1,914 per year. On the other hand, the KIA Telluride is the most expensive, at an average of $2,579 per year.

Use the table below to compare insurance rates for KIA models.

KIA Model Average Yearly Insurance Cost
KIA Cadenza $2,536
KIA Forte $2,284
KIA Niro $1,916
KIA Optima $2,353
KIA Rio $2,262
KIA Sedona $1,959
KIA Sorento $1,916
KIA Soul $2,350
KIA Sportage $1,914
KIA Stinger $2,558
KIA Telluride $2,579

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 KIA Expensive To Insure?

The national average monthly cost of car insurance is $156, while insuring a KIA averages $186 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 $1,396 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2021 KIA Cadenza $1,330
2020 KIA Cadenza $2,330
2019 KIA Cadenza $1,088
2018 KIA Cadenza $1,459
2017 KIA Cadenza $776

KIA Forte Insurance Cost

The average cost of insuring a KIA Forte across all model years, is $605 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2024 KIA Forte $995
2023 KIA Forte $729
2022 KIA Forte $402
2021 KIA Forte $425
2020 KIA Forte $477

KIA Niro Insurance Cost

The average cost of insuring a KIA Niro across all model years, is $1,042 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2024 KIA Niro $2,020
2023 KIA Niro $992
2022 KIA Niro $769
2021 KIA Niro $738
2020 KIA Niro $691

KIA Optima Insurance Cost

The average cost of insuring a KIA Optima across all model years, is $1,462 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2023 KIA Optima $1,683
2022 KIA Optima $2,829
2021 KIA Optima $1,224
2020 KIA Optima $815
2015 KIA Optima $763

KIA Rio Insurance Cost

The average cost of insuring a KIA Rio across all model years, is $884 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2023 KIA Rio $930
2022 KIA Rio $1,038
2021 KIA Rio $828
2020 KIA Rio $888
2019 KIA Rio $737

KIA Sedona Insurance Cost

The average cost of insuring a KIA Sedona across all model years, is $1,723 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2022 KIA Sedona $5,337
2021 KIA Sedona $1,016
2020 KIA Sedona $899
2019 KIA Sedona $670
2018 KIA Sedona $693

KIA Sorento Insurance Cost

The average cost of insuring an KIA Sorento across all model years, is $907 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2024 KIA Sorento $1,499
2023 KIA Sorento $1,033
2022 KIA Sorento $839
2021 KIA Sorento $631
2020 KIA Sorento $534

KIA Soul Insurance Cost

The average cost of insuring a KIA Soul across all model years, is $679 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2024 KIA Soul $989
2023 KIA Soul $552
2022 KIA Soul $626
2021 KIA Soul $553
2020 KIA Soul $677

KIA Sportage Insurance Cost

The average cost of insuring a KIA Sportage 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 Sportage $1,036
2023 KIA Sportage $398
2022 KIA Sportage $555
2021 KIA Sportage $716
2020 KIA Sportage $712

KIA Stinger Insurance Cost

The average cost of insuring a KIA Stinger across all model years, is $1,175 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2023 KIA Stinger $1,337
2022 KIA Stinger $1,315
2021 KIA Stinger $1,416
2020 KIA Stinger $983
2019 KIA Stinger $827

KIA Telluride Insurance Cost

The average cost of insuring a KIA Telluride across all model years, is $957 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2024 KIA Telluride $1,403
2023 KIA Telluride $992
2022 KIA Telluride $855
2021 KIA Telluride $723
2020 KIA Telluride $810

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 an KIA, at $1,651 per year.

Use the table below to compare cheap full-coverage rates for a KIA.

Company Average Annual Premium
Auto-Owners $1,651
Progressive $1,980
USAA $1,895
Geico $2,141
Erie $1,864

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 $7,443
18 $6,951
19 $6,138
20 $5,342
21 $4,494
22 $4,377
23 $3,819
24 $3,643
25 $3,129
30 $2,434
35 $2,292
40 $2,192
45 $2,151
55 $1,965
65 $2,044
75 $2,581

Average KIA Car Insurance Rates – By Company

Insurance Provider Average Monthly Premium
Nationwide $121
Travelers $210
Safeco $180
Allstate $137

Average KIA Car Insurance Rates – By U.S. State

State Average Annual Rate
Alabama $2,329
Alaska $1,926
Arizona $2,182
Arkansas $2,391
California $2,661
Colorado $2,489
Connecticut $3,171
Delaware $2,622
Florida $3,117
Hawaii $1,026
Idaho $1,770
Illinois $1,850
Indiana $1,892
Iowa $1,497
Kansas $2,003
Kentucky $2,895
Louisiana $3,726
Maine $1,417
Maryland $2,271
Massachusetts $1,831
Michigan $4,405
Minnesota $1,809
Mississippi $2,197
Missouri $2,061
Montana $2,106
Nebraska $1,767
Nevada $2,920
New Hampshire $2,042
New Jersey $2,231
New Mexico $2,296
New York $2,111
North Carolina $1,308
North Dakota $1,788
Ohio $1,595
Oklahoma $2,555
Oregon $2,332
Pennsylvania $1,954
Rhode Island $3,270
South Carolina $2,219
South Dakota $1,993
Tennessee $2,348
Texas $2,359
Utah $2,008
Vermont $1,554
Virginia $1,461
Washington $1,932
West Virginia $1,937
Wisconsin $1,943
Wyoming $1,809
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.

1

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.

2

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.

3

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.

4

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.

5

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.

6

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.

7

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 $2,579 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 $1,914 per year.

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