Key Takeaways
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. But how does Kia car insurance compare to insurance for other brands? How much is Kia car insurance? Here is a lowdown on the affordable Kia car insurance rates and the companies that offer them.
The average car insurance cost for a Kia model is $3,468 per year for full coverage. The Kia car insurance rates will vary based on both driving and non-driving factors. At around $289 per month for full coverage, Kia is an affordable car to insure.
| Coverage Level | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Minimum Coverage | $41 | $490 |
| Full Coverage | $289 | $3,468 |
Your Kia model is a major factor in determining car insurance rates. Here are some of the other factors that influence Kia car insurance quotes.
Firstly, according to the Indian Institute for Highway Safety, Kia models fall under safe cars, which have features like front crash prevention or forward collision warnings, which make them eligible for lower rates based on safe car discounts. However, the price of the parts can make the insurance cost slightly higher as some Kia parts require importing. In addition to this, your credit history, driving record, age, and gender play a key role in determining Kia insurance rates.
Kia car insurance rates are not a cheap affair. The average car insurance rate for any Kia model falls between $2,500 to $5,000. Some of the cheapest Kia models to insure are Kia Rio LX, Kia Soul EX, and Kia Niro LX, with their average annual car insurance rates slightly below $3,000.
| Kia Model | Average Annual Full Coverage Rate |
|---|---|
| Kia EV6 GT | $4,377 |
| Kia EV6 GT Line | $3,166 |
| Kia Forte GT | $3,299 |
| Kia 5 EX | $3,499 |
| Kia Niro LX | $2,976 |
| Kia Rio LX | $2,541 |
| Kia Seltos EX | $2,883 |
| Kia Sorento EX | $3,090 |
| Kia Soul EX | $2,859 |
| Kia Sportage EX | $2,914 |
| Kia Telluride EX | $3,063 |
The most affordable car insurance provider for a Kia EV6 GT is Travelers. At $8,906 per year, Farmers is the most expensive provider.
| Company | Average Annual Rate |
|---|---|
| Travelers | $2,449 |
| State Farm | $2,936 |
| Progressive | $3,265 |
| Allstate | $5,574 |
| Farmers | $8,906 |
| USAA | $3,193 |
At $2,170 per year, Travelers is the cheapest car insurance provider when it comes to the Kia EV6 GT Line. You can expect to pay up to $4,784 with companies like Allstate.
| Company | Average Annual Rate |
|---|---|
| Travelers | $2,170 |
| State Farm | $2,824 |
| Progressive | $2,911 |
| Allstate | $4,784 |
| USAA | $3,142 |
Farmers is the most expensive provider for insuring Kia Forte GT car insurance. The cheapest companies for this model are State Farm and USAA.
| Company | Adjusted Annual Rate |
|---|---|
| State Farm | $2,631 |
| Travelers | $2,705 |
| Progressive | $2,828 |
| Allstate | $4,400 |
| Farmers | $5,035 |
| USAA | $2,199 |
AT $2,324 per year, USAA is the cheapest provider for the Kia 5 EX model. With insurance rates above $4,000 per year, Allstate and Farmers are expensive providers.
| Company | Average Annual Rate |
|---|---|
| State Farm | $2,479 |
| Travelers | $3,075 |
| Progressive | $3,691 |
| Allstate | $4,313 |
| Farmers | $5,116 |
| USAA | $2,324 |
The car insurance costs for Kia Niro LX range between $2,201 for providers like State Farm and $4,928 for providers like Farmers.
| Company | Average Annual Rate |
|---|---|
| State Farm | $2,201 |
| Travelers | $2,449 |
| Progressive | $2,730 |
| Allstate | $3,346 |
| Farmers | $4,928 |
| USAA | $2,205 |
USAA is the cheapest provider for Kia Rio LX, offering rates of $1,993 per year. However, USAA car insurance is offered to active military members and their family members. The next affordable option would be State Farm at $2,190.
| Company | Average Annual Rate |
|---|---|
| State Farm | $2,190 |
| Progressive | $2,591 |
| Travelers | $2,921 |
| Allstate | $3,568 |
| Farmers | $4,909 |
| USAA | $1,993 |
State Farm, USAA, and Travelers are the cheapest car insurance providers for Kia Seltos EX. The most expensive provider for this model is Farmers, offering car insurance rates at $4,416 per year.
| Company | Adjusted Annual Rate |
|---|---|
| State Farm | $2,168 |
| Travelers | $2,245 |
| Progressive | $2,585 |
| Allstate | $3,639 |
| Farmers | $4,416 |
| USAA | $2,246 |
At $4,797 per year, Kia Sorento car insurance is the costliest with Farmers. The cheapest providers are USAA and Travelers.
| Company | Average Annual Rate |
|---|---|
| Travelers | $2,257 |
| State Farm | $2,335 |
| Progressive | $2,815 |
| Allstate | $4,095 |
| Farmers | $4,797 |
| USAA | $2,243 |
The Kia car insurance rates for Soul EX starts at $2,111 per year, offered by providers like State Farm. Farmers is the most expensive provider for the Kia Soul EX model.
| Company | Average Annual Rate |
|---|---|
| State Farm | $2,111 |
| Travelers | $2,255 |
| Progressive | $2,424 |
| Allstate | $3,888 |
| Farmers | $4,279 |
| USAA | $2,200 |
The Kia car insurance rates for the Sportage EX model starts at $2,090 per year. Providers like State Farm and Travelers offer it.
| Company | Average Annual Rate |
|---|---|
| State Farm | $2,090 |
| Travelers | $2,146 |
| Progressive | $2,453 |
| Allstate | $3,770 |
| Farmers | $4,701 |
| USAA | $2,325 |
One of the popular models from Kia, Telluride EX, is an affordable car with insurance rates starting at $2,224. Providers like Travelers and State Farm are the cheapest providers, while Allstate and Farmers are the expensive ones.
| Company | Annual Rate |
|---|---|
| Travelers | $2,224 |
| State Farm | $2,240 |
| Progressive | $2,831 |
| Farmers | $4,307 |
| Allstate | $4,331 |
| USAA | $2,450 |
Improve your credit score: Drivers with a credit score over 750 can save a decent amount annually on insurance rates. Insurance companies access your credit score, which puts you in the relevant customer category. Based on this, the respective car insurers offer the cheapest Kia insurance.
Avoid accidents and tickets: Based on the frequency of accidents, the insurance premiums for your Kia will change. Frequent accidents and tickets are a reason for the increase in your Kia car insurance cost.
Increase deductibles: One of the best ways to lower the Kia car insurance rate is to increase the deductibles. These are the amounts paid by the owner from their pocket. The amount can be decided upon during the policy purchase. Increasing the limits of deductibles will result in lower coverage and, consequently, reduce car insurance costs.
Choose a Lower Trim Level: If you are buying a Kia and not aiming for peak performance, it is best advised to go for a lower trim. Premium trims are built for high performance and hence come under the high-risk category. This makes the higher trims costlier for the insurance companies.
While looking around for the cheapest insurance company for Kia, owners must keep the following things in mind:
Compare the insurance quotes from multiple insurers so that you can get insights about the various insurance coverages and rates charged. It will be easier to find the best insurer that satisfies your car insurance requirements for the Kia in this manner. Instead of requesting the insurance quotes individually, use platforms such as Way to for easy comparison of insurance quotes from the cheapest insurance companies for your Kia.
Search for the discounts applicable to your Kia car . Insurers offer several discounts regarding the car make, driving history, etc. Discounts such as Safety Feature Discount, Telematics/UBI Program, Loyalty/Bundling, and Low Annual Mileage can be added to your Kia model.
Identify the accurate coverage level required . Before going for a specific insurer, decide upon the coverage level you need for various car insurance coverage. With a decent driving record and lower annual mileage, comprehensive / collision coverage for Kia can be chosen based on your budget.
Regardless of whether you own or plan to buy a Kia Way.com, it can help you save time and money on your auto insurance.
Way.com makes it super easy for you to get the cheapest insurance quotes from various 140+ insurers. Way also helps you to find all discounts applicable to your car and the appropriate providers after answering a few relevant questions regarding your car.
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
Way.com’s Insurance Broker Quote Data
The average car insurance cost for a Kia model is $3,468 per year for full coverage. The cost of Kia car insurance will vary based on both driving and non-driving factors, costing $289 per month for full coverage.
Kia EV 6 GT and Kia 5 EX are among the most expensive models to insure, costing $4,377 and $3,499, respectively.
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.
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