Kia is South Korea's second-largest automobile manufacturer, behind its parent company, Hyundai Motor Company. The company offers a wide variety of popular car models to choose from, including sedans, SUVs, hybrids, and fully electric vehicles. No matter what Kia model you drive, you’ll need the right car insurance to protect your investment.
With the help of a local independent insurance agent, you can gather quotes from multiple companies so you can get the coverage you need that fits your budget. Your agent will match you to quality Kia insurance from a reputable carrier. But first, here's a closer look at Kia auto insurance and how much it costs.
Key Takeaways - Kia Car Insurance
Kia insurance costs an average of $1,769 per year, or approximately $147 per month, for full coverage.
Kia insurance is an auto insurance policy that can include many different types of coverage, such as roadside assistance, liability, collision, comprehensive, and medical payments.
Kia auto insurance rates are quite level with the current national average cost of $1,759 per year, or approximately $147 per month.
The Kia K5 is the most expensive model to insure of those we compared, costing an average of $2,660 per year, or approximately $222 per month, for full coverage.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Kia model.
What Is Kia Insurance?
Kia insurance is a type of car insurance policy that includes all the protection you need for your Kia vehicle. A Kia car insurance policy can include many types of coverage, such as for collisions, theft, liability, roadside assistance, medical payments, and more. The types of coverage you choose will determine how much protection your policy provides.
Recommended coverage options for Kia drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses resulting from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Many of these types of coverage are required in some locations. Ask a local independent insurance agent to help you get set up with all the required insurance for Kias.
How Much Does Kia Insurance Cost?
Kia owners pay an average of $1,769 per year, or approximately $147 per month, for full coverage car insurance. When compared to the current national average cost of car insurance, which is $1,759 annually, or approximately $147 per month, Kia insurance rates are pretty much level. Insurance on Kias can be so affordable due to many factors, such as the brand's safety scores, lower theft rates, and less expensive custom parts and repairs compared to many other vehicles.
Kia Insurance Costs by Popular Models
The type of Kia you drive has a major impact on the cost of your car insurance coverage. We've compared average Kia insurance rates for just a handful of popular models to give you a better idea of the cost range.
| Model | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Kia Sportage | $1,496 | $125 |
| Kia Soul | $1,551 | $129 |
| Kia Sorento | $1,634 | $136 |
| Kia Rio | $1,653 | $138 |
| Kia Forte | $1,782 | $149 |
| Kia Telluride | $2,252 | $188 |
| Kia K5 | $2,660 | $222 |
An independent insurance agent near you can help you find affordable car insurance for whatever type of Kia you drive.
Are Kias Expensive to Insure Compared to Other Brands?
No, Kias aren't particularly expensive to insure. We compared popular Kia models and found that, in general, Kia insurance costs are close to the national average insurance cost. However, the cost to insure your Kia depends primarily on the model that you choose. In addition, the cost varies by your location, driving history, coverage options, and deductibles.
What Other Factors Affect Kia Insurance Costs?
The make and model of your car are two of the most important factors for determining your car insurance premiums. It also depends on whether you insure a brand-new or used vehicle. Insurance rates for a used Kia Sportage, for example, are likely to be different than those for a new Kia Sportage.
But numerous other factors play a role in your car insurance premiums, including:
- Your age, gender, and marital status
- Your credit score (where allowed)
- Your location
- Your claims history
- The amount of coverage and deductible that you choose
Additionally, each car insurance company has different rates for Kia insurance. An independent insurance agent can help you find the most affordable Kia insurance near you.
Add-On Protections Worth Considering for Your Kia
You can avoid many Kia insurance issues by building a policy that includes all the coverage you need in the first place. Consider completing your Kia insurance policy with the following protections:
- OEM parts coverage: Kia OEM parts coverage can pay the full cost to replace your vehicle's parts with genuine Kia parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Kia warranty insurance: This coverage can prolong your Kia extended warranty to help cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can pay to replace your Kia with another vehicle of the same model if yours is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you own a new or financed Kia, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
An independent insurance agent can help you find the best insurance for a Kia by comparing all Kia insurance coverage options.
Best Car Insurance Companies for Kia Owners
Knowing where to find affordable, yet reliable, car insurance for your Kia can help you secure coverage with ease. Here are some of our top recommendations for the best and cheapest Kia insurance companies, with average rates provided for the Kia Carnival EX model.
| Car Insurance Company | Average Annual Full Coverage Premium | Average Monthly Full Coverage Premium |
|---|---|---|
| Travelers | $2,399 | $200 |
| USAA | $2,531 | $211 |
| Progressive | $3,035 | $253 |
| Allstate | $3,890 | $324 |
An independent insurance agent can help you find affordable Kia insurance from an outstanding local carrier, no matter which model you drive.
How to Lower Your Kia Insurance Premiums
While Kia insurance tends to be affordable, who wouldn't want to save even more money on their car insurance premiums? Here are some easy steps you can take to potentially reduce your Kia insurance costs:
- Choose a higher deductible: Selecting a high deductible can lead to lower premiums, but understand that you'll have to pay more out of your own pocket if you file a claim.
- Enroll in telematics programs: Kia offers telematics programs, such as those that track your driving habits or vehicle usage, to help potentially reduce your insurance rates. Your car insurance company may also offer these programs.
- Maintain a clean driving record: Keep your driving record free of accidents, tickets, and other traffic violations to possibly earn good driver discounts and even lower your premium rates.
- Take advantage of Kia insurance discounts: Many car insurance companies offer common savings options, such as multi-policy discounts, safety features discounts, anti-theft devices discounts, loyalty discounts, and bundling discounts, which can help you save considerably on your coverage.
- Compare quotes from multiple carriers: Shopping and comparing policies from multiple car insurance companies can help you find the most affordable Kia insurance coverage. A local independent insurance agent can complete this task for you.
- Work with an independent insurance agent: These agents can access several different carriers near you to help find the best and most affordable insurance for your Kia.
Your independent insurance agent can help you find cheap Kia insurance and any car insurance discounts you qualify for to help you save as much money as possible on your coverage.
An Independent Insurance Agent Can Help You Get the Best Kia Insurance Quotes
When it's time to find the most affordable, quality Kia insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Kia insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQ About Kia Insurance
Is car insurance for a Kia expensive?
Not particularly. Kia's average insurance rates are pretty level with the current national average cost of car insurance.
What's the most expensive model of Kia to insure?
We found that the Kia K5 is the most expensive model to insure. The average annual insurance cost for a K5, according to our research, is $2,660.
What's the cheapest model of Kia to insure?
The Kia Sportage is the cheapest Kia model to insure, according to our research. The average cost to insure a Sportage is $1,496 per year.
Why is my Kia insurance so high?
Your Kia insurance may have high rates due to many different factors, such as if you've filed claims in the past, have accidents or tickets on your driving record, are a young or senior driver, or if you own a more expensive model.
Does Kia have its own insurance program?
Yes, Kia offers various protection plans that provide coverage for various parts of your vehicle, such as the brake pads and battery.
Does driving a Kia lower insurance premiums?
Yes, driving a Kia can lead to lower insurance premiums than if you drive a more expensive brand vehicle, such as a Lexus.
Sources
https://www.thezebra.com/auto-insurance/vehicles/kia/
https://www.thezebra.com/auto-insurance/how-to-shop/average-auto-insurance/
https://www.lendingtree.com/car-insurance/kia-car-insurance/