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The average cost of Kia car insurance is $2,571 per year. However, the exact cost of Kia insurance changes based on your model, driving record, and location. Oh—and your insurance company!
For Kia drivers, there’s no single insurance company with all the best rates. Why? A ticketless Sorento driver needs different coverage than four hamsters operating a Kia soul—that’s gotta be illegal somewhere! Drivers can access different rates based on their profiles, begging the question: How do you find cheap car insurance for your Kia?
The answer is Jerry, a top-rated super app. Jerry makes it easy to track down the right insurance to fit your unique needs at the lowest price. Below, we’ll explore factors that affect Kia insurance and provide tips to find affordable quotes.
How much does Kia Car insurance cost?
The average cost of car insurance for Kia drivers is $2,571. But the exact cost for an individual depends on a variety of factors, including model safety ratings, driving records, and whether or not you have full coverage.
All in all, insurance for Kia vehicles isn’t too expensive. You can thank the following:
- Kia models are highly reliable. They rank well in reliability audits and receive yearly J.D. Power awards for reliability, dependability, and performance.
- As a mass-market car, you’ll be hard-pressed to not find Kia model parts when you need them. This means Kia vehicles stay on the road for longer.
- At the heart of every Kia model is safety. All new Kia vehicles come with the latest tech, from forward-collision warnings to vehicle stability management.
These factors aren’t true for every model. Of course, an older vehicle won’t have the same safety features as a 2022 Kia Sorento. Driving a custom Kia Optima? You might have trouble finding replacement parts if something breaks down.
Ultimately, your Kia insurance cost depends on numerous factors in (and out) of your control. But this shouldn’t discount the affordability of Kia insurance—and the benefits of shopping with Jerry!
As a licensed broker, Jerry helps you find a personalized insurance policy in less than 45 seconds. You can compare rates from more than 55 top providers, so you know you’re getting great coverage. Chat with customer service operators, and get coverage in a flash.
Curious to learn more? The table below has a slice of the insurance savings you can find with Jerry—and sentiments from real Jerry customers!
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| March 14, 2023 | Kia Cadenza Luxury | $305/mo. | $218/mo. | Prince Frederick, MD | 20678 | Georgie T. | 48 | Electric |
| March 11, 2023 | Kia Rio LX | $75/mo. | $71/mo. | Tacoma, WA | 98466 | Bernard G. | 36 | Progressive |
| March 9, 2023 | Kia Optima EX | $237/mo. | $95/mo. | Kissimmee, FL | 34741 | Ethan V. | 75 | National General |
| March 9, 2023 | Kia Optima SX | $277/mo. | $171/mo. | Carson, CA | 90745 | Mamie U. | 30 | National General |
| March 7, 2023 | Kia Forte EX | $180/mo. | $150/mo. | Aurora, CO | 80014 | Bernice M. | 24 | Bristol West |
How much insurance do you need for a Kia?
Just like the cost, your perfect level of car insurance coverage depends on a few factors.
Minimum needs and requirements vary depending on the vehicle’s age and your location. All drivers need to purchase the state’s minimum required car insurance, including liability insurance.
As the name implies, liability insurance pays for damages to others in accidents that you caused. This coverage typically includes bodily injury liability and property damage liability—but that’s not all!
Some states require one or more of the following additional insurance coverages:
- Uninsured/underinsured motorist coverage: Pays for damages if you’re involved in a crash with an uninsured driver.
- Personal injury protection (PIP): Covers medical bills, funeral costs, and rehabilitation for you and your passengers' injuries. It’s a typical requirement in no-fault states.
- Medical payments (MedPay) coverage: Pays for a portion of medical bills for you and your passengers.
While everyone needs liability insurance, you can’t truly protect your investment without additional coverages.
Whether you’re cruising in a new car or a decade-old Telluride, it’s always a good idea to have a full coverage policy with collision and comprehensive coverage. Collision and comprehensive coverage protect against damages from crashes, severe weather, theft, and vandalism, respectively.
More often than not, you’ll end up needing a full coverage insurance policy—lots of lenders won’t lease a vehicle to someone without it! So if you’ve got your eyes on a new Kia Carnival and you’re in talks with a loan agency, get ahead of the game and stick with full coverage.
Kia car insurance rates by model
No need to beat around the bush, the largest determinate for Kia insurance costs is which car you drive. Smaller, budget models are generally more affordable to insure compared to larger, power-hungry SUVs—and so on.
In practice, this means that Kia Sedonas, Rios, and Niros should cost less to insure than an ancient Rondo or expensive Sportage. But this isn’t always the case. Regardless of what’s in your driveway, factors like age, trim, and safety features play a key role as well.
Let’s have a closer look at the most popular Kia models.
How much does Kia Forte insurance cost?
The Kia Forte is a reliable compact sedan that boasts a smorgasbord of safety features. It may not be every driver's, well, forte, but there’s no denying it—the car insurance rates are attractive.
Thanks to its small stature and careful design, the Forte is one of Kia's most affordable cars in the long haul—just don’t expect to haul more than a single suitcase and a few grocery bags.
Check out the table below for a closer look at average premiums for Kia Forte drivers vary based on coverage options and the age of the vehicle.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Kia Forte | $2,324 | $1,790 |
| 2021 Kia Forte | $2,259 | $2,018 |
| 2020 Kia Forte | $2,805 | $1,934 |
| 2019 Kia Forte | $2,757 | $1,796 |
| 2018 Kia Forte | $2,221 | $1,708 |
Looking for more information? There’s always the complete guide to Kia Forte insurance costs from Jerry.
How much does Kia Sorento insurance cost?
Cousin to the Hyundai Santa Fe, the Kia Sorento is a large-scale SUV that’s never lost its sense of adventure. Starting at $29,590, the Sorento is far from Kia’s most expensive car—but it is the largest!
Keep in mind that the sky's the limit when it comes to Sorrento customization. Going wild with additional packages? Your Insurance bill can easily reach the stratosphere if you’re not careful.
In the table below, we’ve outlined the average premiums for Kia Sorento drivers, comparing minimum and full coverage rates across multiple models.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2019 Kia Sorento Lx | $1,896 | $1,359 |
| 2018 Kia Sorento Lx | $1,776 | $1,380 |
| 2017 Kia Sorento Lx | $2,496 | $1,471 |
| 2016 Kia Sorento Lx | $1,657 | $2,306 |
| 2015 Kia Sorento Lx | $1,921 | $1,356 |
Still curious? Check out our complete guide to Kia Sorento insurance costs.
How much does Kia Telluride insurance cost?
Named North America’s Utility vehicle of the year, there’s nothing quite like the mid-sized joy of a new Kia Telluride. The Telluride is large and in charge, boasting a near excessive amount of comfort options and top-of-the-line safety.
Heads-up displays, captain chairs, and drive modes come at a price, however. And, that price is more expensive insurance.
Like the Sorento, Kia Tellurides have their fair share of customization options. So, there’s room to mix and match your SUV to optimize your insurance premium. The table below demonstrates how Telluride coverage changes based on the model year.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Kia Telluride Lx | $2,324 | $1,790 |
| 2021 Kia Telluride Lx | $2,259 | $2,018 |
| 2020 Kia Telluride Lx | $2,805 | $1,934 |
| 2019 Kia Telluride Lx | $2,757 | $1,796 |
| 2018 Kia Telluride Lx | $2,221 | $1,708 |
Ready to learn more? Explore our complete guide to Kia Telluride insurance costs.
How much does Kia Soul insurance cost?
The heart and soul of Kia’s crossover lineup, the Kia Soul is a true character. You may not like shoebox design or flashy advertisements, but you can’t deny: There’s nothing quite like the Kia Soul on the road today.
What’s more? Kia soul insurance is surprisingly affordable. The table below demonstrates the average Kia Soul insurance costs across multiple model years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2018 Kia Soul | $2,371 | $1,066 |
| 2017 Kia Soul | $1,849 | $1,407 |
| 2016 Kia Soul | $1,272 | $1,755 |
| 2015 Kia Soul | $1,460 | $1,555 |
| 2014 Kia Soul | $2,093 | $1,243 |
The bold Soul packs fun and function into one extremely efficient package—up to 35 mpg a gallon. And, they’re slow to depreciate. Need more convincing? Here’s our complete guide to Kia Soul insurance costs.
How much does Kia Niro insurance cost?
Nearing the end of our list sits the Niro—Kia’s most affordable hybrid and, now, electric vehicle (EV).
What can be said about the Kia Niro that hadn’t been said already? It's a sizable, fun-to-drive crossover. It’s a hybrid with ming-bogglingly efficiency. And it retails for less than $25,000.
The table below explores Kia Niro insurance costs for full and minimum coverage across several model years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Kia Niro Lx | $2,324 | $1,790 |
| 2021 Kia Niro Lx | $2,259 | $2,018 |
| 2020 Kia Niro Lx | $2,805 | $1,934 |
| 2019 Kia Niro Lx | $2,757 | $1,796 |
| 2018 Kia Niro Lx | $2,221 | $1,708 |
If you want to learn more about this killer EV, we invite you to our complete guide to Kia Niro insurance costs.
Compare Kia car insurance quotes
We’ve steamrolled our world toward smartphones, efficient EVs, and online storefronts. So why not steamroll the old way of shopping for car insurance?
With Jerry, we help you find real insurance quotes tailored to fit your unique needs. Gone are the days of long queues, spam calls, and endless stacks of paperwork. Jerry helps you compare rates from more than 55 top providers—so, you know you’re getting personalized coverage.
Don’t settle for the insurance quote you’re given. After a minute of shopping with Jerry, you’ll understand why we’re the top place to find Kia insurance rates.
Best car insurance companies for your Kia
There’s no single perfect insurance company for Kia drivers. Instead, you can find great policies with providers like GEICO, Nationwide, Farmers Insurance, Allstate, and more!
Why are there so many options? Well, for one, every car insurance company treats you and your vehicle differently. One provider might offer big discounts for safety features, while another gives extra weight to overall reliability. Popular companies might value safe driving, while a smaller provider might turn a blind eye even if you have a few tickets.
All in all, insurance providers are unique—just like you. That’s why Jerry’s real-time quotes can help you find personalized deals. By comparing dozens of providers all at once, you can make informed decisions about the insurance that suits you. Find that perfect insurance fit? Our expert service team can help you cancel your old plan.
The following table demonstrates how different providers quote for Kia vehicles—and the savings you could uncover with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| National General | $3,016 | $989 | |
| Dairyland | $3,305 | $980 | |
| Kemper | $2,808 | $905 | |
| Clearcover | $2,724 | $892 | |
| Nationwide | $2,681 | $877 | |
| Progressive | $2,866 | $873 | |
| Safeco | $2,843 | $857 | |
| Allstate | $2,873 | $848 | |
| State Auto | $2,774 | $796 | |
| Travelers | $2,716 | $711 | |
| Compare Prices | |||
Kia auto insurance cost by driving record
Vehicle models are important, but they’re not the only factor. Your driving record has a huge impact on the cost of Kia insurance.
The best way to save on insurance (apart from Jerry!) is to drive safely. Many insurance providers even offer discounts to drivers who avoid accidents and violations for more than three years.
The average additional cost of a DUI on your insurance is $2,571 a year, and a speeding ticket adds $2,571. But even if you have a ticket or two on your record, there’s still hope to find great insurance.
The table below estimates how cleaning up your driving record can help you save on Kia insurance!
Kia car insurance cost by location
As we’ve discussed, every province, town, or region has different insurance laws which could work in your favor—or against it.
Insurance rates vary based on where you live. Kia drivers in North Carolina pay differently than those in Arkansas. And Kia vehicles in Texas might be more expensive to insure than in Florida. Or they could be cheaper!
Ready to see how Kia insurance stacks up based on where you live? Check out the table below!
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $3,709 | $1,114 | |
| Austin | $2,703 | $884 | |
| Columbus | $3,030 | $873 | |
| Dallas | $2,872 | $814 | |
| Houston | $2,803 | $690 | |
| Jacksonville | $3,710 | $1,173 | |
| Orlando | $3,560 | $1,108 | |
| Philadelphia | $3,988 | $1,260 | |
| Phoenix | $2,772 | $945 | |
| San Antonio | $2,632 | $842 | |
| Compare Prices | |||
By R.E. Fulton
Mar 28, 2023
Reviewed by Kathleen Flear, Director of Content.
