Honda, Toyota, and Hyundai may be the first names that come to mind when the conversation turns to imported cars, but Kia is a star on the rise. The oldest Korean automaker and fifth-largest vehicle company in the world started as a bicycle manufacturer. Today, it’s known for creating affordable cars with near-premium quality.

How to find the cheapest Kia car insurance quotes

Shopping around for car insurance is the best way to get a good deal. Jerry can do that for you, save you time and also help you avoid those annoying calls and emails. Here are real quotes from real Jerry customers for their Kia auto insurance.

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Liability Limits	Has Full Coverage
February 11, 2020	Kia Optima	Travelers	$49	Logan, 71, Warwick, RI	State Minimum	No
May 27, 2021	Kia Optima	Clearcover	$120	Lloyd, 31, Fairfield, PA	100/300	Yes
May 15, 2020	Kia Optima	Bristol West	$181	Jack, 44, Indianapolis, IN	100/300	Yes
July 10, 2021	Kia Sorento	Clearcover	$454	Maria, 48, Pikesville, MD	50/100	Yes
February 21, 2020	Kia Optima	Travelers	$198	Lester, 30, Tampa, FL	50/100	Yes

Last Updated Nov 25, 2024

Best car insurance companies for Kia drivers

When shopping for auto insurance, the biggest challenge is finding the right insurance provider for you.

Notice that we didn’t say the cheapest—because there is no single, cheapest insurance company for every driver, no matter what social media tells you. We conducted one of the largest shopping surveys in the nation and found the best insurance company depends on your driving record, address, insurance history, age, and many other factors.

Here’s what Kia owners had to say about the top insurance companies in the country, from Allstate to State Farm.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.6	4.4	4	4.5
Travelers	4.5	4.2	4.4	4.5
Progressive	4.3	3.9	3.9	4.3
AAA	4.2	4	3.8	4.4
Allstate	4.2	3.6	3.8	4.2
USAA	4	3.5	4.5	4.2
State Farm	4	3.4	3.8	4.2
Farmers	4	3.4	4.1	3.9
Geico	3.9	3.3	3.9	4
Liberty Mutual	3.7	3.2	3.5	3.7

Insurance costs for popular Kia models

By sales, the five most popular Kia car models of 2022 are the Sportage, Forte, Telluride, Sorento, and K5 (formerly the Optima).

But sales figures can’t tell us which of these car models is the cheapest to insure. For that, you’ll have to look at:

• The availability of car parts: Unique or rare parts, such as supercharged engine components, increase repair and insurance costs.
• The cost of repairs: Insurance companies offer lower premiums to cars with cheap repair costs because, well, they’re often responsible for paying them.
• The engine size: Larger engines cost more to repair and so are more expensive to insure.
• The MSRP: Expensive trims and fancy features cost more to insure because they cost more to repair and replace.
• The safety rating: The better a vehicle’s crash and safety ratings, the lower your insurance rates.
• The vehicle size and class: Full-size SUVs and sedans cost more to insure than compact models, but less than sports cars and EVs.

The type of coverage you choose for your car insurance policy also decides your annual premiums.

(Most) state laws require liability insurance, which is often the cheapest to buy, especially if you stick to the minimum coverage limits required. It covers the cost of mending any damages you cause while driving and includes both bodily injury liability and property damage liability insurance.

To cover the cost of repairing or replacing your own car, you’ll need to buy full coverage car insurance. Because you can use it even if you were in an at-fault accident, it tends to cost more. A full coverage policy typically includes collision coverage, which applies to impacts with cars and other objects, and comprehensive coverage, which applies to damages resulting from vandalism, car thefts, and the weather.

Here’s a comparison between the cost of car insurance for a Kia with liability coverage versus full coverage:

Car	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Kia Forte	$108	$197
Kia Optima	$105	$201
Kia Soul	$95	$168
Kia Sorento	$95	$171
Kia Sportage	$88	$160
Kia Rio	$95	$190
Kia K5	$122	$221

Kia Sportage insurance costs

The Kia Sportage crossover may be compact, but it became a sales juggernaut after its redesign. The Sportage stands out in a crowded segment thanks to its roomy interior, large cargo area, and technology. As the car model approaches its 30th birthday, it only seems to be getting better and better.

On average, Kia Sportage insurance costs $88 per month for state minimum coverage and $166 per month for full coverage.

The 2024 Kia Sportage comes with a generous suite of standard driver-assistance technology, including:

• Driver attention warnings
• Forward collision mitigation
• Lane departure warnings
• Lane-keeping assistance
• Parking sensors

Higher trims come with valuable enhanced driver aids and quality-of-life features but the engine stays the same: a 2.5L four-cylinder engine.

Here are the highlights of all seven of the 2023 Kia Sportage’s trim levels—click the links to learn more about their insurance costs:

• The Sportage LX ($26,290) includes LED taillights, LED headlights (with automatic high beams), an 8-inch touchscreen (with Apple CarPlay and Android Auto), and six speakers.
• The Sportage EX ($28,290) adds simulated leather upholstery, a 12.3-inch touchscreen, a remote start function, and dual-zone automatic climate control. On the safety side, you get Safe Exit Assist and blindspot monitoring with rear cross-traffic alerts.
• The Sportage X-Line ($31,090) takes all-wheel-drive, a higher ground clearance, a center-locking differential, and roof rails to rugged roads.
• The Sportage SX ($31,790) builds on the EX with a hands-free liftgate, panoramic sunroof, and premium sound system. Adaptive cruise control, highway driving assistance, and forward collision detection with automatic braking provide great value.
• The Sportage SX Prestige ($33,790) creates an upscale experience with premium synthetic upholstery, a heated sterling wheel, and ventilated front seats. On the practical side, you also get foglights, parking sensors, blindspot monitors, a surround-view camera system, and automatic low-speed emergency braking.
• The Sportage X-Pro ($35,290) adds the X-Line’s performance tweaks, the SX’s features, multi-terrain driving modes, all-terrain tires, and foglights.
• The Sportage X-Pro Prestige ($37,090) combines the X-Pro and SX Prestige equipment for a trim with both power and luxury.

Check out the table below to see the average cost of auto insurance for some popular Kia Sportage trims.

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Sportage S	$89	$164
Sportage EX	$84	$151
Sportage Base	$105	$142
Sportage LX	$85	$154
Sportage SX	$117	$152

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Kia Sportage Lx	Plymouth Rock	$189	Jonathan, 31, Hamburg, PA	State Minimum	Yes
Kia Sportage Ex	Clearcover	$149	Richard, 37, Milwaukee, WI	50/100	Yes
Kia Sportage Lx	Infinity	$200	Jared, 63, Clearwater, FL	50/100	Yes
Kia Sportage Lx	Allstate	$191	Luis, 66, Bloomingdale, GA	50/100	Yes
Kia Sportage Lx	Gainsco	$41	Patrick, 71, Wellsville, MO	State Minimum	No

Last Updated Nov 25, 2024

Kia Forte insurance costs

Driving character isn’t the Kia Forte’s, uh, specialty, but it’s hard not to like a small sedan that works so hard for your money. The price tag is attractive, as are its valuable driver assistance features. The 2023 Forte includes forward collision mitigation, lane-departure warnings, lane-keeping assistance, and driver attention warnings.

On average, Kia Forte insurance costs $108 per month for state minimum coverage and $197 per month for full coverage.

You have a choice of four trims for the 2024 Kia Forte. Click the links for a rundown of their insurance costs.

• The Forte LX ($19,960) starts strong with a 2.0L four-cylinder engine, cruise control, and an 8.0-inch touchscreen with wireless Apple CarPlay and Android Auto.
• The Forte LXS ($20,190) adds a higher-quality interior and folding rear seats. Special mention goes to the LXS Technology Package, which adds blindspot warnings, Safe Exit Assist, and heated side mirrors.
• The Forte GT-Line ($21,890) comes with LED foglights, dual-zone climate control, sports seats, and two extra speakers (for a total of six).
• The Forte GT ($24,390) upgrades to a turbocharged 1.6L four-cylinder engine with two transmission options: a seven-speed dual-clutch automatic or a six-speed manual. Better suspension, LED headlights, and synthetic leather seats make this the sporty trim.

Check out the table below to see the average cost of auto insurance for some popular Kia Forte trims.

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Forte LX	$100	$189
Forte GT Line	$114	$205
Forte SX	$111	$190
Forte EX	$106	$197
Forte FE	$109	$205

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Kia Forte Lx	Progressive	$115	Pearl, 42, College Station, TX	50/100	Yes
Kia Forte Lx	Bristol West	$904	Marvin, 83, Akron, OH	State Minimum	Yes
Kia Forte Lx	Clearcover	$166	Ray, 31, Highland, CA	50/100	Yes
Kia Forte Lx	Electric	$134	Martin, 30, Lewisville, TX	State Minimum	No
Kia Forte Lx	Clearcover	$59	Olga, 30, Savoy, IL	State Minimum	Yes
Kia Forte Fe	Safeco	$153	Jeremiah, 33, Dallas, TX	50/100	Yes
Kia Forte Gt Line	Bristol West	$64	Edgar, 64, Bedford, TX	State Minimum	No
Kia Forte Fe	Progressive	$257	Genevieve, 48, Ocean Park, WA	50/100	Yes
Kia Forte Lx	Bristol West	$320	Eunice, 31, Augusta, GA	50/100	Yes
Kia Forte Lx	National General	$132	Charlie, 47, Glen Burnie, MD	50/100	Yes

Last Updated Nov 25, 2024

Kia Telluride insurance costs

The stylish Kia Telluride might be the flashiest ride in the lineup but it doesn’t lack substance. Appearing at the top of both Edmunds and Car & Driver’s Year’s Best lists, the Telluride balances style, comfort, and great features. We expect (and hope) that it’ll stick around for many years.

A 3.8L V6 engine, an eight-speed automatic transmission, and front-wheel drive are standard for every 2023 Kia Telluride. Its driver aids include adaptive cruise control, blindspot warnings, forward collision mitigation, and lane-keeping assistance. We expect no less from Kia.

Check out what each trim of the 2024 Kia Telluride includes (and how much insurance costs—just click the links):

• The Telluride LX ($35,890) comes with LED headlights, dual-zone automatic climate control, simulated leather upholstery, and a 12.3-inch touchscreen with Apple CarPlay and Android Auto.
• The Telluride S ($37,790) adds a sunroof, roof rails, heated front seats, and second-row captain’s chairs.
• The Telluride EX ($41,490) focuses on comfort with a hands-free liftgate, leather upholstery, ventilated seats, and sound-absorbing front-row windows.
• The Telluride SX ($45,690) luxuriates in dual sunroofs, a 12.3-inch digital instrument cluster, and a 10-speaker Harman Kardon audio system. You also get blindspot cameras, a surround-view camera system, better highway assistance, and enhanced forward collision mitigation.
• The top-of-the-line Telluride SX Prestige ($50,590) includes premium leather upholstery, a windshield-mounted heads-up display, and ventilated second-row seats.

Check out the table below to see the average cost of auto insurance for some popular Kia Telluride trims.

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Kia Telluride Lx	Progressive	$444	Maria, 40, Reading, PA	100/300	Yes
Kia Telluride Ex	Clearcover	$133	Stephen, 27, Pflugerville, TX	100/300	Yes
Kia Telluride Lx	Allstate	$138	Lucy, 37, Lake Elsinore, CA	25/50	Yes
Kia Telluride Lx	Nationwide	$202	Janie, 33, Elizabeth, NJ	100/300	Yes
Kia Telluride Ex	Progressive	$760	Stephen, 23, Astoria, NY	50/100	Yes
Kia Telluride Ex	Progressive	$170	Tony, 28, El Paso, TX	50/100	Yes
Kia Telluride Ex	Progressive	$200	Ollie, 31, Nashville, TN	50/100	Yes
Kia Telluride Lx	Travelers	$137	Jackson, 40, Middle Village, NY	100/300	Yes
Kia Telluride Ex	Anchor General	$119	Jorge, 27, Duarte, CA	State Minimum	No
Kia Telluride Sx	Clearcover	$125	Ollie, 33, Loveland, OH	100/300	Yes

Last Updated Nov 25, 2024

Kia Sorento insurance costs

The Kia Sorento is one of the few small SUVs with third-row seating and a sensible approach to technology. The standard list includes lane-keeping assistance, blindspot warnings, forward collision warnings, and automatic braking. Two gasoline engines, a hybrid, and a plug-in hybrid powertrain give this little crossover broad appeal.

On average, Kia Sorento’s insurance costs $95 per month for state minimum insurance coverage and $171 per month for full coverage.

The 2024 Kia Sorento has five trim levels. Check out their features (and insurance costs) below:

• The Sorento LX ($30,090) starts with a 2.5L four-cylinder standard engine, a six-speaker audio system, and an 8-inch infotainment touchscreen with Apple CarPlay and Android Auto.
• The Sorento S ($32,590) includes dual-zone climate controls, synthetic leather upholstery, a 10.25-inch infotainment touchscreen, and rear parking sensors.
• The Sorento EX ($35,990) turbocharges the engine and adds a hands-free liftgate, adaptive cruise control, enhanced forward collision mitigation, and lane-centering assistance.
• The Sorento SX ($38,890) comes with a panoramic sunroof, a digital instrument panel, and 20-inch wheels.
• The Sorento SX Prestige ($43,490) makes all-wheel-drive, leather upholstery, and ventilated front seats standard. You also get a 12-speaker Bose audio, a 360-degree camera, and a blindspot camera system.

Check out the table below to see the average cost of auto insurance for some popular Kia Sorento trims.

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Sorento Base	$95	$154
Sorento L	$90	$176
Sorento LX	$97	$178
Sorento SX	$89	$170
Sorento EX	$94	$164

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Kia Sorento	Clearcover	$454	Maria, 48, Pikesville, MD	50/100	Yes
Kia Sorento Ex	Bristol West	$222	Julia, 41, Tempe, AZ	50/100	Yes
Kia Sorento Lx	Allstate	$214	Aaron, 84, Hewitt, TX	50/100	Yes
Kia Sorento Lx	Clearcover	$103	Harriett, 32, Thorndale, TX	State Minimum	No
Kia Sorento L	Safeco	$135	Eleanor, 60, Hillsboro, OH	100/300	Yes

Last Updated Nov 25, 2024

Kia K5 insurance costs

The Kia K5 replaced the Kia Optima in 2021. A new name was the least of its changes: the redesigned cabin, stylish exterior, and long list of features put this midsize family sedan on every buyer’s list. Thankfully, the K5 kept the Optima’s modest price point.

On average, Kia K5 insurance costs $122 per month for state minimum insurance coverage and $221 per year for full coverage.

The K5 has a beefy list of driver-assistance aids, including:

• Forward collision warnings with automatic braking
• Lane-keeping assistance
• Driver attention warnings
• Rear cross-traffic alerts
• Safe Exit Assist
• Blindspot warnings
• Automatic high beams

Little wonder that the 2023 K5 is an IIHS Top Safety Pick+.

With so much value upfront, the 2023 K5’s four trims focus on vanity and comfort. If you’re curious about their insurance costs, click the links to learn more.

• The K5 LXS ($25,290) comes with a turbocharged 1.6L four-cylinder engine and an eight-speed automatic transmission. LED headlights, dual-zone automatic climate control, and an 8.0-inch touchscreen with Apple CarPlay and Android Auto complete the package.
• The K5 GT-Line ($26,690) includes LED foglights and taillights, a sporty black exterior, and a 10.25-inch touchscreen with integrated navigation.
• The K5 EX ($29,190) adds a panoramic sunroof, rear parking sensors, and heated and ventilated front seats.
• The K5 GT ($31,690) tops the line with a turbocharged 2.5L four-cylinder engine, 19-inch wheels, upgraded brakes, better suspension, and sports seats.

Check out the table below to see the average cost of auto insurance for some popular Kia K5 trims.

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Kia K5 Gt Line	Dairyland	$401	Rosetta, 67, Willowbrook, IL	State Minimum	Yes
Kia K5 Lxs	Allstate	$227	Roy, 23, El Paso, TX	State Minimum	Yes
Kia K5 Gt Line	National General	$101	Lewis, 33, El Cajon, CA	State Minimum	No
Kia K5 Gt Line	Gainsco	$583	Gary, 24, San Marcos, TX	State Minimum	Yes
Kia K5 Ex	National General	$289	Olive, 30, Cathedral City, CA	State Minimum	Yes

Last Updated Nov 25, 2024

Are Kias more expensive to insure?

Compared to the average cost of other cars, Kias cost 4% more to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Saturn	$88	$150
Volkswagen	$93	$176
Honda	$95	$169
Audi	$96	$201
KIA	$99	$182

Most expensive Kias to insure

The most expensive Kia model to insure is the 2010 Kia Rondo, with an average monthly premium of $155 for state minimum coverage and an average of $177 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2010 Kia Rondo	$155	$177
2022 Kia K5	$144	$207
2017 Kia Cadenza	$143	$180
2016 Kia Sedona	$140	$175
2022 Kia Stinger	$139	$234

What factors affect Kia car insurance rates?

Your motor vehicle is just one factor in calculating your car insurance. The formula also includes:

• The cost of your vehicle: The owners of exotic, luxury, and high-performance sports cars pay more for collision, comprehensive, and other coverage options.
• The age of your vehicle: New cars cost more to insure because they cost more to repair, featuring more sophisticated technology and materials.
• The cost of parts: The cheapest parts often belong to the most popular models and model years because they’re mass-produced and readily available.
• Your age: Teen drivers pay the highest insurance rates until they turn 25. After that, your rates probably won’t go up again until you turn 75.
• Your driving history and insurance and theft claims record: If you’re a safe driver, you’ll find lower rates with nearly every provider.
• Your parking spot: You’ll pay more if your zip code has high accident or car theft rates.

Here are a few specific factors that impact auto insurance rates for Kia:

• Imports: Kia vehicles are imported, which makes parts, repair, replacement, and insurance costs higher.
• Safety: Many of Kia’s car models achieve Top Safety Pick awards if not Top Safety Pick+. Most have a four-star rating from the NHTSA, except for the excellent K5.
• Reliability: Consumer Reports ranks Kia among the top ten most reliable car brands.
• Availability: Due to Kia’s popularity, parts tend to be cheaper and more accessible.

Kia insurance cost for drivers with driving violations

Keeping a clean driving record will help you get the best insurance rates for your Kia. You may have seen an increase in your premiums if you committed any of the following violations within the last three to five years:

• Speeding tickets
• DUIs
• At-fault accidents
• License suspensions or revocations
• Reckless driving

However, even high-risk drivers can find affordable rates if they know where to look.

Cheapest car insurance for Kia drivers with speeding ticket

Speeding tickets can stay on your record for up to a decade. Whether it’s due to a single ticket for a serious speeding violation or multiple tickets for minor infractions, that’s a long time to pay high insurance premiums!

You can bring them back down by looking for the best rates with Jerry. Here are some of the best deals Kia drivers found after receiving a speeding ticket.

Violation Summary	Violation	Car	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Speeding over 15	Speeding 21+	Kia Optima	Clearcover	$120	Lloyd, 31, Fairfield, PA	100/300	Yes
Speeding under 15	Speeding Violation-Minor	Kia Sorento Ex	Bristol West	$222	Julia, 41, Tempe, AZ	50/100	Yes
Speeding under 15	Speeding Violation-Minor	Kia Sportage Lx	Plymouth Rock	$189	Jonathan, 31, Hamburg, PA	State Minimum	Yes
Speeding under 15	Speeding Violation-Minor	Kia Optima Hybrid Ex	National General	$149	Eula, 38, Glendale, CA	State Minimum	No
Speeding under 15	Speeding 6-10	Kia Forte Fe	Progressive	$257	Genevieve, 48, Ocean Park, WA	50/100	Yes

Last Updated Nov 25, 2024

Cheapest car insurance for Kia drivers after an accident

A history of at-fault accidents and insurance claims makes car insurance companies nervous, which leads to high rates. Jerry can help bring your premiums back down by showing you the best deals in your area in just a few taps. Kia drivers with several at-fault accidents on record found savings with these providers:

Accident type	Car	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
At Fault With No Injury	Kia Optima	Clearcover	$120	Lloyd, 31, Fairfield, PA	100/300	Yes
At Fault With No Injury	Kia Optima	Bristol West	$181	Jack, 44, Indianapolis, IN	100/300	Yes
Not At Fault	Kia Sorento	Clearcover	$454	Maria, 48, Pikesville, MD	50/100	Yes
At Fault With No Injury	Kia Forte Lx	Progressive	$115	Pearl, 42, College Station, TX	50/100	Yes
Not At Fault	Kia Cadenza Premium	Progressive	$335	Fannie, 34, Cincinnati, OH	100/300	Yes

Last Updated Nov 26, 2024

Cheapest car insurance for Kia drivers with other driving violations on their record

Reckless driving, driver’s license suspensions, and driver’s license revocations can also take their toll on your insurance premiums. While you’re working on getting your license reinstated, take a look around for better deals with other insurance providers. Jerry can help you find savings in less than a few minutes.

Violation	Car	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Driving on Sus. License	Kia Optima Sx	Bristol West	$71	Leroy, 38, Chicago, IL	State Minimum	No
Suspension	Kia Soul	Dairyland	$340	Howard, 55, Las Vegas, NV	50/100	Yes
Failure to Obey Signal	Kia Optima Lx	Progressive	$110	Clayton, 27, Hackettstown, NJ	25/50	No
Other Minor	Kia Optima Lx	Safeco	$1,705	Manuel, 30, Moriches, NY	100/300	Yes
Other Minor	Kia Optima Ex	AAA	$151	Clara, 35, Plainsboro Township, NJ	15/30	No

Last Updated Nov 26, 2024

How can I lower the cost of my Kia car insurance?

You might have found a great deal, but who can say no to cheaper car insurance? Here are some tips from Jerry’s team of expert insurance agents:

• Bundle insurance policies: If you purchase a car and home insurance bundle from the same company, you’ll get a discount on both policies.
• Choose a cheaper model year: When shopping for a Kia, look for a model that’s compact, easy to repair, and stuffed with safety features. You can also save a few bucks each month by buying used (either from a dealership or a private seller).
• Install a telematics device: Telematics devices track your driving habits; drive cautiously and you could earn a car insurance discount.
• Install a vehicle anti-theft device: An enhanced alarm system or engine immobilizer could lower your insurance rates.

Reduce your coverage: As a general rule of thumb, your car should be worth more than ten times the cost of your premiums. If it’s not, it might be time to drop full coverage.

• Raise your deductible: Choosing the best car insurance deductible involves balancing how much you can afford to pay upfront against how much you’d like to save year by year.
• Shop around: You can’t know if you’re getting the best deal unless you shop around! You can get dirt-cheap car insurance by comparing quotes from at least three different insurance companies.