Our Insurance Partners
Kia is the second largest car company in South Korea. Kia has grown to the point where it can compete with Honda and Toyota, two of the biggest car companies in Japan. But how does Kia car insurance compare to insurance for other brands? Read to know more.
If you drive a Kia, the average cost of insurance can vary a lot depending on the model and the company you get it from. Car insurance for a Kia cost about $1,522 a year, on average.
But if people shop around for insurance rates, many Kia drivers can pay much less than this. There are many reasons why one Kia model might be more expensive than another, such as a high manufacturer's suggested retail price (MSRP) and high repair costs.
For example, the Kia Soul EV is an electric car, and because it costs more to fix than a regular Kia Soul, it may cost more to insure than a regular Kia Soul. Also, insurance costs more for cars that have more horsepower or are more likely to be stolen.
Most Kia cars are very safe, which can help keep insurance costs down. The Insurance Institute for Highway Safety has named the Soul, Sorento, Sportage, and Telluride as Top Safety Picks (IIHS). The Soul and Sportage may have won safety pick awards because they have things like front crash prevention and LED projector headlights.
If you need to fix your Kia, most of the parts for the U.S.-made Telluride and Sorento are easy to find and don't have to be shipped from overseas. Some parts for other Kia models may need to come from South Korea. Most of the time, cars that are cheaper to fix are also cheaper to insure.
Many Kia models come with forward collision warnings, lane departure alerts, vehicle stability management systems, and seatbelt pretensioners. These features can make it less likely or worse for an accident to happen, which can make insurance costs less.
| Vehicle Model | Average Annual Premium |
|---|---|
| Kia Cadenza | $1,972 |
| Kia Forte | $1,794 |
| Kia K900 | $2,244 |
| Kia Niro | $1,686 |
| Kia Optima | $1,786 |
| Kia Rio | $1,669 |
| Kia Sedona | $1,552 |
| Kia Sorento | $1,647 |
| Kia Soul | $1,568 |
| Kia Sportage | $1,500 |
With an MSRP of $19,090, the Kia Forte is one of the most popular sedans made by the company. Five different trim packages can be added to the Forte, so the buyer can choose the level of connectivity, technology, and performance they want.
| Kia Forte car insurance | Average annual premium |
|---|---|
| Minimum coverage | $556 |
| Full coverage | $1,794 |
The Kia Sedona is the brand's minivan, and it will be made until 2021. In 2022, the $32,300 starting MSRP Kia Carnival will take its place. Even though it's a bigger car, the average cost of insurance for a Kia Sedona is less than the national average, according to data from a sample of rates.
| Kia Sedona car insurance | Average annual premium |
|---|---|
| Minimum coverage | $512 |
| Full coverage | $1,552 |
One of the best-selling midsize SUVs from Kia is the Sportage. The MSRP for a new Sportage is $25,990, and there are seven trims to choose from. The Sportage gets high marks for safety, and if the optional projector headlights and front crash prevention are added to the 2022 models, the IIHS will give it a Top Safety Pick badge.
| Kia Sportage car insurance | Average annual premium |
|---|---|
| Minimum coverage | $514 |
| Full coverage | $1,500 |
A popular SUV on the road is the Kia Telluride. The MSRP for the Telluride starts at $33,090, making it one of the most expensive Kia cars. You can choose from four trim levels, each with different safety and technology features.
| Kia Telluride car insurance | Average annual premium |
|---|---|
| Minimum coverage | $526 |
| Full coverage | $1,748 |
| Company | Average Annual Premium |
|---|---|
| USAA | $1,028 |
| State Farm | $1,256 |
| Nationwide | $1,352 |
| Progressive | $1,478 |
| Allied | $1,603 |
| Allstate | $1,892 |
| Company | Average Annual Premium |
|---|---|
| USAA | $1,205 |
| Nationwide | $1,393 |
| State Farm | $1,488 |
| Progressive | $1,520 |
| Allied | $1,936 |
| Allstate | $2,056 |
Kia car insurance is some of the least expensive you'll find. The only major car companies with lower insurance rates than Kia are Honda and Mazda. Compared to other Korean and Japanese brands, the average annual cost of insurance for a Kia is 1% less than for a Hyundai, 6.1% less than for a Nissan, 4% more than for a Honda, and 1.9% less than for a Toyota.
| Automotive Brand | Insurance Cost | Difference |
|---|---|---|
| Kia | $1,522 | -- |
| Acura | $1,774 | $252 |
| Audi | $2,091 | $569 |
| BMW | $2,117 | $595 |
| Cadillac | $1,666 | $144 |
| Chevrolet | $1,551 | $29 |
| Dodge | $2,027 | $505 |
| Ford | $1,550 | $28 |
| Genesis | $1,843 | $321 |
| GMC | $1,651 | $129 |
| Honda | $1,466 | -$60 |
| Hyundai | $1,541 | $18 |
| Infiniti | $1,940 | $418 |
| Jeep | $1,686 | $164 |
| Lexus | $1,828 | $306 |
| Lincoln | $1,722 | $200 |
| Mazda | $1,411 | -$111 |
| Mercedes-Benz | $2,129 | $607 |
| Mitsubishi | $1,627 | $105 |
| Nissan | $1,623 | $101 |
| Subaru | $1,465 | -$61 |
| Tesla | $1,978 | $456 |
| Toyota | $1,554 | $32 |
| Volkswagen | $1,493 | -$33 |
| Volvo | $1,669 | $147 |
For 2022 models, the Kia Seltos is the least expensive to insure.
Average annual premium for full coverage by model
| Company | Kia Forte | Kia Sedona | Kia Sportage | Kia Telluride |
|---|---|---|---|---|
| Amica | $1,333 | $1,212 | $1,229 | $1,443 |
| Erie | $1,436 | $1,406 | $1,388 | $1,611 |
| State Farm | $1,425 | $1,368 | $1,396 | $1,468 |
| USAA | $1,103 | $1,226 | $1,113 | $1,280 |
| State | Average Annual Premium | State | Average Annual Premium |
|---|---|---|---|
| Alabama | $1,772 | Montana | $1,599 |
| Alaska | $1,476 | Nebraska | $1,363 |
| Arizona | $1,668 | Nevada | $2,226 |
| Arkansas | $1,823 | New Hampshire | $1,555 |
| California | $2,025 | New Jersey | $1,699 |
| Colorado | $1,898 | New Mexico | $1,742 |
| Connecticut | $2,412 | New York | $1,675 |
| Delaware | $1,992 | North Carolina | $998 |
| Florida | $2,374 | North Dakota | $1,388 |
| Georgia | $1,946 | Ohio | $1,226 |
| Hawaii | $786 | Oklahoma | $1,945 |
| Idaho | $1,363 | Oregon | $1,776 |
| Illinois | $1,420 | Pennsylvania | $1,492 |
| Indiana | $1,462 | Rhode Island | $2,493 |
| Iowa | $1,164 | South Carolina | $1,696 |
| Kansas | $1,512 | South Dakota | $1,542 |
| Kentucky | $2,200 | Tennessee | $1,796 |
| Louisiana | $2,834 | Texas | $1,810 |
| Maine | $1,076 | Utah | $1,536 |
| Maryland | $1,736 | Vermont | $1,185 |
| Massachusetts | $1,395 | Virginia | $1,125 |
| Michigan | $3,346 | Washington | $1,472 |
| Minnesota | $1,382 | West Virginia | $1,488 |
| Mississippi | $1,668 | Wisconsin | $1,472 |
| Missouri | $1,586 | Wyoming | $1,388 |
Full Coverage
| Coverage type | Protection offered |
|---|---|
| Collision coverage | Covers the costs associated with collisions with another vehicle or object |
| Comprehensive coverage | Covers costs of damages from an event other than a collision, like a weather event, theft, or vandalism. |
Minimum Coverage
| Coverage type | Protection offered |
|---|---|
| Bodily injury liability (per person and accident) | Pays for the costs associated with the injuries you’ve caused to others |
| Property damage liability (per accident) | Pays for the costs associated with the damage you cause to other people’s vehicles or property |
Kia owners can get a lot out of more types of car insurance than just the bare minimum. If the Kia is leased or financed, the driver may have to buy a full coverage policy that includes collision and comprehensive insurance.
Drivers may also want to think about gap insurance, which helps pay off your loan if your new car is totaled. Even if the driver owns the car outright, they may want to get more coverage to protect their finances in case of an accident.
Accident forgiveness can also be helpful if your car insurance company offers it. This means that if you cause an accident, your rate won't go up. Some drivers also like the peace of mind that comes with roadside assistance, which can help you get back on the road if you get a flat tyre, run out of gas, or lock yourself out of your car.
Most models come in different trim levels, which are essentially different versions of the same model with different features. If you raise the trim, your insurance costs might go up.
Trim level
| Trim | Features | Recommended coverage | Reason for coverage |
|---|---|---|---|
| Sedona LX | Standard features for the base trim are 17-inch alloy wheels, automatic headlights, 7-inch touchscreen, and a six-speaker audio system. | Towing and Labor coverage | Towing and labor coverage will protect you if your Sedona ever breaks down on the road. |
| Sedona SXL | The most luxe trim available for the Sedona—with selectable drive modes, a heated steering wheel, and eight-speaker audio system. | Sound system coverage | With the availability for system upgrades, sound system coverage will protect you if your updated audio equipment gets stolen. |
Each insurance company has its own way of figuring out how much premiums should be. This means that even if you ask different insurance companies for the same coverage, you'll probably get a wide range of quotes.
You should probably get quotes from more than one insurance company to find the best policy and price.
Almost every insurance company now offers online quotes, which means you can go to their website, fill out a form, and get an estimate. But if you've done this before, you know how time-consuming and boring it can be.
Your age is one of the main things' insurers look at when deciding how much to charge you for insurance.
Younger drivers tend to get into more accidents and pay more for insurance because of this. On the other hand, older drivers with more experience shouldn't have to pay as much because they aren't as much of a high-risk driver.
Insurance companies also take traffic violations into account when figuring out prices. If you have a minor ticket for speeding or failing to stop, your insurance cost may go up a little.
The worst violations, like a DUI or driving recklessly, have a much bigger effect on your rates and can stay on your record for a long time. Your insurance rates are likely to go down if you get better at driving and keep a clean record in the future.
Kia Corporation was started in May 1944, making it the oldest car company in Korea. Kia started out small by making bicycles and motorcycles. Now, as part of the dynamic, global Hyundai-Kia Automotive Group, it has grown to become the fifth largest car company in the world.
Today, Kia makes and assembles more than 1.4 million cars every year at 14 factories and plants in eight countries. Through a network of more than 3,000 distributors and dealers in 172 countries, these cars are sold and serviced. The Corporation has more than 40,000 employees and more than US$17 billion in sales every year.
Kia has three major vehicle assembly plants in its "home" country of South Korea: Hwasung, Sohari, and Kwangju. It also has a world-class research and development center with 8,000 technicians at Namyang and a separate environmental research and development center.
The Eco-Technology Research Institute, which is close to Seoul, is working on hydrogen fuel-cell vehicles for the future as well as cutting-edge technologies and processes for recycling old vehicles. Kia spends 6% of its annual sales on research and development (R&D), and it also has research centers in the US, Japan, and Germany.
Kia made a total of US$39.8 billion in sales around the world in 2020, while the total market sales were US$1.6 trillion. In 2020, 40% of Kia's revenue came from Small SUVs, which was the largest segment of passenger cars.
When you insure your Honda, remember that your rates will depend on the model you drive and other things that are specific to you.
Way.com can help you find the best price for the insurance coverage you need. Way.com can get you quotes from more than 100 of the best insurance companies in just 45 seconds, making sure you always pay the least for the coverage you need.
Way.com can help you find the best car insurance rates no matter where you live, how old you are, or what kind of Honda you drive. Way.com is the easiest way to find a better insurance plan that fits your needs as a registered broker and auto super app user.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The average annual cost to insure a Kia is $1,522. Full coverage insurance for a Kia models costs between $110 and $150 a month.
The most expensive Kia model to insure is Kia K900 with a premium of $2,244 per year.
The cheapest Kia model to insure is Kia Seltos with an average annual insurance rate of $1,320.
Kia car insurance is a policy that helps pay for repairs or replacements if the car is damaged or lost because of an accident, natural disaster, theft, man-made disaster, fire, etc. It also protects against third-party liability and covers the owner-driver in case of an accident.
Kia car insurance is some of the least expensive you'll find. The only major car companies with lower insurance rates than Kia are Honda and Mazda.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
