{"id":62784,"date":"2023-05-03T06:03:35","date_gmt":"2023-05-03T06:03:35","guid":{"rendered":"https:\/\/www.way.com\/blog\/?p=62784"},"modified":"2026-01-28T07:36:26","modified_gmt":"2026-01-28T07:36:26","slug":"kia-challenge-car-insurance","status":"publish","type":"post","link":"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/","title":{"rendered":"The After-Effects of the TikTok Kia Challenge on Car Insurance"},"content":{"rendered":"<p style=\"text-align: center;\"><em>We&#8217;re about to dive into the wild world of the #KiaChallenge, where hot-wiring and car theft run rampant. Will this Kia Challenge affect your car insurance premiums? If you are a proud owner of a Kia or Hyundai, you should listen up and grab a seat (preferably one with a seatbelt).\u00a0<\/em><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What you&#039;ll read about<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #e71346;color:#e71346\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #e71346;color:#e71346\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/#What_is_the_Kia_Challenge\" >What is the Kia Challenge?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/#How_specifically_has_this_affected_the_owners_of_Kia_and_Hyundai\" >How specifically has this affected the owners of Kia and Hyundai?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/#Kia_and_Hyundai_thefts_rise_%E2%80%93_cities_report_More_than_100_rise_in_Thefts\" >Kia and Hyundai thefts rise &#8211; cities report More than 100% rise in Thefts!<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/#The_Kia_Challenge_Targets_Specific_Vehicle_Models\" >The Kia Challenge Targets Specific Vehicle Models<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/#Kia_and_Hyundai_Models_dropped_by_Insurers\" >Kia and Hyundai Models dropped by Insurers<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/#Level_of_Impact\" >Level of Impact<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/#What_are_carmakers_doing_about_the_Kia_Hyundai_Challenge\" >What are carmakers doing about the Kia &amp; Hyundai Challenge?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/#TLDR\" >TL;DR<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/#Bottom_Line\" >Bottom Line<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Kia_Challenge\"><\/span><span data-preserver-spaces=\"true\">What is the Kia Challenge?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">If you&#8217;re like, &#8220;Huh? What&#8217;s that?&#8221; don&#8217;t feel bad because we were in the same boat. Some wild hot-wiring and car theft shenanigans are going on with Kia and Hyundai rides on TikTok.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">It all started in 2021, when the &#8220;Kia Boyz&#8221; began taking advantage of a security flaw in some cars in Milwaukee, Wisconsin.\u00a0<\/span><\/p>\n<p><strong>The Kia Challenge began when a video became popular in the summer of 2022. This led teens to steal certain Kia and Hyundai models, leaving them behind or destroying them. The video on the social media app TikTok shows how to take advantage of a design flaw in the car so that it can be stolen with just a USB cord and some knowledge.<\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">This challenge was not a harmless joke and had a negative impact on people&#8217;s lives. Even for those who didn&#8217;t have their cars stolen, there was the effect of higher auto insurance rates.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_specifically_has_this_affected_the_owners_of_Kia_and_Hyundai\"><\/span><span data-preserver-spaces=\"true\">How specifically has this affected the owners of Kia and Hyundai?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">It&#8217;s been quite a nightmare for those who own these rides. According to the National Highway Traffic Safety Administration, around 8.3 million cars were at risk.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Kia and Hyundai are working on software updates to fix the problem, but the NHTSA warns that many of these cars are still in danger. So, if you own one of these cars, the Kia Challenge is still officially on. So be aware.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kia_and_Hyundai_thefts_rise_%E2%80%93_cities_report_More_than_100_rise_in_Thefts\"><\/span><span data-preserver-spaces=\"true\">Kia and Hyundai thefts rise &#8211; cities report More than 100% rise in Thefts!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">In the summer of 2022, when the Kia Challenge video started getting shared on video-sharing sites, thefts of certain Kia and Hyundai models outside of Wisconsin increased greatly. <\/span><span data-preserver-spaces=\"true\">Since January 2022, cities nationwide have seen huge jumps in the number of stolen Kia and Hyundai cars,<\/span><span data-preserver-spaces=\"true\"> like a 484% rise in Columbus, Ohio<sup><a href=\"http:\/\/Harvey, Kayla. \u201cPolice Reacts to Uptick in Kia and Hyundai Car Theft in Central Ohio.\u201d WTTE, n.d. https:\/\/myfox28columbus.com\/good-day-columbus\/police-reacts-to-uptick-in-kia-and-hyundai-car-theft-in-central-ohio.\">[2]<\/a><\/sup>, a 767% rise in Chicago, IL<sup><a href=\"http:\/\/, Stephen M. \u201cThefts of Kia and Hyundai Models Soar in Chicago, across America.\u201d Mail Online, August 26, 2022. https:\/\/www.dailymail.co.uk\/news\/article-11150505\/Thefts-Kia-Hyundai-models-soar-767-Chicago-America-TikTok-challenge.html\">[1]<\/a><\/sup>, and a 1300% rise in St. Paul, MN<a href=\"http:\/\/Anderson, Brad. \u201cThefts Of Hyundai And Kia Models Are Soaring Throughout The U.S. | Carscoops.\u201d Carscoops, July 25, 2022. https:\/\/www.carscoops.com\/2022\/07\/thefts-of-hyundai-and-kia-models-are-soaring-throughout-the-u-s\/.\"><sup>[3]<\/sup><\/a>.<\/span><\/p>\n<p>In Milwaukee, the number of stolen cars increased by 172% in 2021<a href=\"http:\/\/Mendez, Edgar. \u201cMilwaukee Sees Sharp Rise in Motor Vehicle Thefts | Milwaukee Neighborhood News Service.\u201d Milwaukee Neighborhood News Service | Your neighborhood. Your News., March 29, 2022. https:\/\/milwaukeenns.org\/2022\/03\/29\/milwaukee-sees-sharp-rise-in-motor-vehicle-thefts\/.\"><sup>[4]<\/sup><\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Kia_Challenge_Targets_Specific_Vehicle_Models\"><\/span><span data-preserver-spaces=\"true\">The Kia Challenge Targets Specific Vehicle Models<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">The cars are easier to steal because the materials used to make some models between 2011 and 2021 were of lesser quality. Thieves are going after Hyundai cars made between 2015 and 2021.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kia_and_Hyundai_Models_dropped_by_Insurers\"><\/span><span data-preserver-spaces=\"true\">Kia and Hyundai Models dropped by Insurers<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Insurance companies can put cars on what is called a &#8220;blacklist.&#8221; Pay attention if you drive a Kia or Hyundai car made between 2015 and 2021. This may affect you.\u00a0<\/span><\/p>\n<p><strong>Insurance companies will no longer cover some models from Kia and Hyundai because they think they are too easy to steal.<\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">This means that, based on where you live, you won&#8217;t be able to get insurance for one of these models with these companies. If you already have a contract with one of these insurance companies, they may not renew it when the term ends.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Check below for the complete list of targeted cars:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">2015-2021 Hyundai Accent (all body styles)<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Hyundai Elantra (two-door and four-door)<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Hyundai Kona<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Hyundai Santa Fe<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Hyundai Tucson<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2018 Hyundai Veloster<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Kia Forte<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Kia Optima<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2016 Kia Optima Hybrid<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Kia Rio (all body styles)<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Kia Sedona<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2016 Kia Sorento<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Kia Soul<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">2015-2021 Kia Sportage<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">Some model dates are unaffected because some had engine immobilizers built in when they came out. For example, the Kia Optima Hybrid got this option in 2016.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\"><a href=\"https:\/\/www.usatoday.com\/story\/money\/cars\/2023\/02\/01\/progressive-state-farm-drop-hyundai-kia-insurance\/11153762002\/\" target=\"_blank\" rel=\"noopener\">State Farm<\/a> said that because these models were being stolen more often, it would no longer take applications from new customers in &#8220;some states.&#8221; In the same way, Progressive&#8217;s statement said that they had raised their rates and stopped selling new insurance policies for some of these models in some areas.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Level_of_Impact\"><\/span><span data-preserver-spaces=\"true\">Level of Impact<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">A rise in the number or frequency of claims can make it hard for a company to pay out claims if it keeps its rates the same to reflect the higher risk of loss. A rise in the cost or severity of claims can also put a lot of pressure on loss costs, which means that rates need to be changed to ensure that premiums are enough to cover future losses.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">The Kia Challenge is happening during high external inflation. This could affect the industry&#8217;s future rates.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_carmakers_doing_about_the_Kia_Hyundai_Challenge\"><\/span><span data-preserver-spaces=\"true\">What are carmakers doing about the Kia &amp; Hyundai Challenge?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">If you drive one of the above cars, insurance isn&#8217;t the only thing you must worry about. You&#8217;ll also need to do things to keep your car safe. Hyundai said in a statement that they were making changes to the software. This is to make it harder to steal their cars. On February 14, 2023, Hyundai sent software changes to Elantras from 2017 to 2020, Sonatas from 2015 to 2019, and Venues from 2020 to 2021. Kia aims to release their software updates by the end of February. With the update, the car alarm will go off longer, and the key must be in the ignition switch for the car to start.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Hyundai has broadened a program that sends steering wheel locks that prevent theft to police stations so drivers can get them. If you drive one of these cars, you can check with the local police to see if that is a choice.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"TLDR\"><\/span>TL;DR<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">The #KiaChallenge on TikTok is no laughing matter.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">While dancing with your Kia sounds tempting, this trend involves using a USB cable to start certain older Kias without a key. It&#8217;s illegal and dangerous, leading to car thefts and accidents.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Before you post your next viral video, remember:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Stolen cars aren&#8217;t funny. Don&#8217;t risk jail time, fines, or worse.<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Car insurance hates joyrides. Messing with your Kia could raise your rates or even void your coverage.<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Real souls matter. Think of the victims this trend hurts. Keep the streets safe!<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">Let&#8217;s make TikTok a place for dance moves, not car crimes.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bottom_Line\"><\/span>Bottom Line<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">Ultimately, asking your insurance company is the best way to determine if you have been affected. If you already have a policy with one of these companies and drive one of the affected models, you can ask them if they plan to renew your insurance.\u00a0<\/span><span data-preserver-spaces=\"true\">If they tell you no, you can start planning to switch to a different carrier.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Kia Challenge is not just a car theft craze on TikTok. It&#8217;s also got some serious butterfly effect-style ripple effects. <\/span><span data-preserver-spaces=\"true\">The Kia Challenge isn&#8217;t just a viral trend. Eventually, it&#8217;s a real-life example of how one thing can lead to another. Eventually, before you know it, your insurance rates are through the roof.\u00a0<\/span><\/p>\n<p><span style=\"font-size: 12pt;\"><em><span data-preserver-spaces=\"true\"><sup>[1] <\/sup><\/span>Lepore, Stephen M. \u201cThefts of Kia and Hyundai Models Soar in Chicago, across America.\u201d Mail Online, August 26, 2022. https:\/\/www.dailymail.co.uk\/news\/article-11150505\/Thefts-Kia-Hyundai-models-soar-767-Chicago-America-TikTok-challenge.html.<\/em><\/span><\/p>\n<p><span style=\"font-size: 12pt;\"><em><span data-preserver-spaces=\"true\"><sup>[2] <\/sup><\/span>Harvey, Kayla. \u201cPolice Reacts to Uptick in Kia and Hyundai Car Theft in Central Ohio.\u201d WTTE, n.d. https:\/\/myfox28columbus.com\/good-day-columbus\/police-reacts-to-uptick-in-kia-and-hyundai-car-theft-in-central-ohio.<\/em><\/span><\/p>\n<p><em><span style=\"font-size: 12pt;\"><span data-preserver-spaces=\"true\"><sup>[3] <\/sup><\/span>Anderson, Brad. \u201cThefts Of Hyundai And Kia Models Are Soaring Throughout The U.S. | Carscoops.\u201d Carscoops, July 25, 2022. https:\/\/www.carscoops.com\/2022\/07\/thefts-of-hyundai-and-kia-models-are-soaring-throughout-the-u-s\/.<\/span><\/em><\/p>\n<p><span style=\"font-size: 12pt;\"><em><sup>[4]<\/sup> Mendez, Edgar. \u201cMilwaukee Sees Sharp Rise in Motor Vehicle Thefts | Milwaukee Neighborhood News Service.\u201d Milwaukee Neighborhood News Service | Your neighborhood. Your News., March 29, 2022. https:\/\/milwaukeenns.org\/2022\/03\/29\/milwaukee-sees-sharp-rise-in-motor-vehicle-thefts\/.<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We&#8217;re about to dive into the wild world of the #KiaChallenge, where hot-wiring and car theft run rampant. Will this Kia Challenge affect your car insurance premiums? If you are a proud owner of a Kia or Hyundai, you should listen up and grab a seat (preferably one with a seatbelt).\u00a0 What is the Kia&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/\">Continue reading <span class=\"screen-reader-text\">The After-Effects of the TikTok Kia Challenge on Car Insurance<\/span><\/a><\/p>\n","protected":false},"author":42,"featured_media":62795,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5277,569],"tags":[],"class_list":["post-62784","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-theft","category-auto-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>TikTok to Car Insurance Shock: After-Effects of Kia Challenge<\/title>\n<meta name=\"description\" content=\"Ready to challenge Kia Challenge? Protect your car and your sanity! Read how this trend will affect your car insurance premiums.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.way.com\/journal\/kia-challenge-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The After-Effects of the TikTok Kia Challenge on Car Insurance\" \/>\n<meta property=\"og:description\" content=\"Ready to challenge Kia Challenge? Protect your car and your sanity! 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