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Cheapest Kia Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Kia.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Kia car insurance cost?

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.
Kia vehicle drivers pay an average of $1,188 per year for car insurance, but you can save money by following a few
cheap car insurance
hacks. However, average rates are not a good indicator of what your own policy might cost. The only way to truly understand how much your car insurance will cost is to compare car insurance quotes for your own driver profile.
Jerry does the work for you. We compare
car insurance quotes
from multiple insurance companies to find the best deal.

How to find the cheapest Kia car insurance quotes 

Thousands of satisfied new customers gave Jerry a five-star rating for saving them an average of $2,307 per year. Even better, we saved them the time and hassle of making phone calls, signing paperwork, and comparing quotes. Join the thousands of Kia drivers that Jerry helped to save money by signing up in just a few minutes.
Jerry helped 56933 real Kia car owners find free car insurance quotes. Check out the table below for some examples.
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
July 22, 2024
KIA Optima EXAAA
$78
• State Minimum Liability
July 20, 2024
KIA Forte EXTravelers
$209
• 50,000/100,000 Liability
• Comp / Collision
July 9, 2024
KIA Seltos SNationwide
$120
• 100,000/300,000 Liability
• Comp / Collision
July 7, 2024
KIA Sorento EXSafeco
$186
• 25,000/50,000 Liability
• Comp / Collision
July 3, 2024
KIA RIO EXAllstate
$139
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 22, 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 CompanyOverall RatingPriceClaims ExperienceCustomer 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
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Lower my car insurance too!

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Great services, cheapest and best value policies.
Harsh
Progressive
Have been so amazing! The prices are great glad jerry for this for me.
Savannah
Mercury
I had Mercury on my last car and I absolutely loved it!
Theresa
Dairyland
Was easy to switch and was very affordable
Hugo

Are Kias more expensive to insure?

Compared to the average cost of other cars, Kias cost 4% more to insure.
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Buick
$86
$172
Jeep
$94
$165
KIA
$99
$182
Mercedes-Benz
$100
$208
Hyundai
$101
$186

Cheapest Kia to insure

The cheapest Kia to insure is the 2019 Kia Niro, with an average monthly premium of $31 for state minimum coverage and an average of $140 for full coverage. 

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2019 Kia Niro
$84
$142
2023 Kia Telluride
$84
$142
2017 Kia Niro
$84
$167
2011 Kia Sedona
$84
$142
2020 Kia Sportage
$84
$163

Most expensive Kias to insure

The most expensive Kia model to insure is the 2010 Kia Rondo, with an average monthly premium of $167 for state minimum coverage and an average of $177 for full coverage. 

Car MakeAverage Monthly State Minimum Insurance CostAverage 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 young drivers

A collision and comprehensive policy can help to fix most mistakes caused by inexperience. The problem is that teens often pay the highest insurance rates of any age group. Rather than purchasing completely new insurance policies, try adding young drivers to existing ones—and compare lots of quotes to find
cheap car insurance for teens
!

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Max (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA Sportage LX
$124
per month
card cover
Phoebe (24 years old)
coverageCoverage
State Minimum
carKIA Sportage LX
$122
per month
card cover
Alfred (18 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
carKIA Optima LX
$137
per month
card cover
Clearcover
Janie (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA Forte LX
$201
per month
card cover
Jesus (24 years old)
coverageCoverage
State Minimum
locationClinton, UT
carKIA Forte LX
$232
per month

Kia insurance cost for senior drivers

While older drivers have plenty of experience and drive less frequently than commuters, they can also suffer from vision, hearing, and reflex losses. The
best seniors’ car insurance
helps counter the increase in insurance rates by providing discounts for safe driving habits.

card cover
Daisy (74 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA RIO LX
$312
per month
card cover
Esther (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA Cadenza Premium
$309
per month
card cover
Caleb (65 years old)
coverageCoverage
State Minimum
carKIA RIO LX
$222
per month
card cover
Nellie (75 years old)
coverageCoverage
State Minimum
locationRio Rancho, NM
carKIA Forte FE
$231
per month
card cover
Gainsco
Lizzie (73 years old)
coverageCoverage
State Minimum
$279
per month

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.

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
KIA Forte FETravelers
$196
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
KIA Optima LXAAA
$304
• State Minimum Liability
• Comp / Collision
Speeding 11-15
KIA Forte FESafeco
$99
• 50,000/100,000 Liability
Speeding 21+
KIA RIO S
Clearcover
$192
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

Cheapest car insurance for Kia drivers with a DUI record

A
DUI conviction
can have a significant impact on the car insurance quotes you find. Some providers charge high-risk drivers high rates, while others are willing to give them a second chance. Using a car insurance quote comparison app can help you find more of the latter. 

card cover
Brett (32 years old)
DUI
coverageCoverage
State Minimum
locationSandy Springs, GA
carKIA Sorento
$203
per month
card cover
Emily (33 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA Optima LX
$226
per month
card cover
Agnes (31 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationDisputanta, VA
carKIA Sorento
$156
per month
card cover
Myrtle (43 years old)
DUI
coverageCoverage
State Minimum
carKIA Optima LX
$174
per month
card cover
Ina (43 years old)
DUI
coverageCoverage
State Minimum
carKIA Forte LX
$78
per month

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 typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
KIA Sorento LProgressive
$133
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
KIA RIO EXAllstate
$139
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
KIA Stinger GT2Travelers
$158
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
KIA Forte FEAAA
$330
• 25,000/50,000 Liability
• Comp / Collision
At Fault With No Injury
KIA RIO CincoNational General
$139
• 100,000/300,000 Liability
coverageLast Updated Jul 23, 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.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
KIA Optima EXProgressive
$107
• State Minimum Liability
Defective Equipment
KIA Optima LXSafeco
$135
• 30,000/60,000 Liability
• Comp / Collision
Failure to Obey Signal
KIA Sorento EXTravelers
$278
• 100,000/300,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
KIA Sportage SAAA
$146
• State Minimum Liability
• Comp / Collision
Cell Phone
KIA RIO LXBristol West
$294
• State Minimum Liability
Careless Driving
KIA Forte LXNational General
$549
• No Coverage Liability
• Comp / Collision
Driving on Sus. License
KIA Forte SXAllstate
$132
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
KIA Optima EXPlymouth Rock
$425
• State Minimum Liability
Seat Belt
KIA Sportage EXProgressive
$90
• State Minimum Liability
Improper Passing
KIA SorentoSafeco
$81
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 23, 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. 

FAQs

On average, the Kia Soul costs less to insure than the national average. The Kia Soul costs an average of $95 per month for state minimum coverage and an average of $165 per month for full coverage. 
Kias can be expensive to insure because they—and all their parts—are imported. Imported car models and components add a price premium for transportation and taxes, pushing up repair and replacement costs, as well as insurance premiums.
Insurance for the average Kia costs $99 per month for state minimum coverage and $182 per month for full coverage. Compared to the national average, Kias are 4% more expensive to insure.
The cheapest Kia to insure is the 2019 Kia Niro, with an average monthly premium of $31 for state minimum coverage and an average of $140 for full coverage. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.