FAQs

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

minimum coverage limits required

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

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.

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

. 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

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Sean S.

| Verified Jerry Customer

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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 2023 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
Kia Sportage S	$89	$164
Kia Sportage SX	$117	$152
Kia Sportage EX	$82	$151
Kia Sportage LX	$85	$154
Kia Sportage	$105	$142

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	Insurance coverage
KIA Sportage	Allstate	$119	Nellie, 55 Lithonia, GA	• 50,000/100,000 Liability
KIA Sportage EX	Travelers	$213	Trevor, 56 Chelsea, MA	• 100,000/300,000 Liability • Comp / Collision
KIA Sportage LX	Nationwide	$103	Augusta, 46 Virginia Beach, VA	• State Minimum Liability • Comp / Collision
KIA Sportage SX	Clearcover	$162	Harvey, 23 Cape Girardeau, MO	• State Minimum Liability • Comp / Collision
KIA Sportage LX	National General	$137	Charlotte, 40 Summerville, SC	• State Minimum Liability

Last Updated Nov 29, 2023

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 2023 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
Kia Forte LX	$100	$189
Kia Forte SX	$111	$190
Kia Forte GT LINE	$114	$205
Kia Forte FE	$109	$205
Kia Forte EX	$106	$197

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	Insurance coverage
KIA Forte GT Line	Progressive	$125	Jean, 53 Spartanburg, SC	• State Minimum Liability • Comp / Collision
KIA Forte FE	AAA	$330	Maurice, 46 Chester, PA	• 25,000/50,000 Liability • Comp / Collision
KIA Forte LX	Bristol West	$298	Troy, 40 Smyrna, GA	• 50,000/100,000 Liability • Comp / Collision
KIA Forte EX	National General	$172	Brian, 35 Everson, WA	• 100,000/300,000 Liability • Comp / Collision
KIA Forte LX	Plymouth Rock	$196	Marguerite, 67 East Hartford, CT	• State Minimum Liability • Comp / Collision

Last Updated Nov 28, 2023

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 2023 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	Insurance coverage
KIA Optima LX	Progressive	$91	Millie, 39 Albany, OR	• State Minimum Liability
KIA Optima Hybrid	AAA	$145	Wayne, 30 Woodbridge, VA	• 50,000/100,000 Liability
KIA Sorento EX	Travelers	$278	Carlos, 30 South Saint Paul, MN	• 100,000/300,000 Liability • Comp / Collision
KIA Forte FE	Safeco	$145	Alma, 58 Royse City, TX	• State Minimum Liability • Comp / Collision
KIA Optima EX	Infinity	$256	Derrick, 26 Houston, TX	• State Minimum Liability

Last Updated Nov 28, 2023

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Great services, cheapest and best value policies.

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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 2023 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
Kia Sorento L	$90	$176
Kia Sorento	$95	$154
Kia Sorento LX	$97	$178
Kia Sorento SX	$89	$170
Kia 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	Insurance coverage
KIA Sorento	Safeco	$81	Lewis, 44 Altoona, PA	• 50,000/100,000 Liability • Comp / Collision
KIA Sorento EX	Nationwide	$261	Mario, 41 Marion, AR	• 100,000/300,000 Liability • Comp / Collision
KIA Sorento LX	Allstate	$84	Jacob, 37 Dallas, TX	• State Minimum Liability • Comp / Collision
KIA Sorento EX	Travelers	$278	Larry, 30 South Saint Paul, MN	• 100,000/300,000 Liability • Comp / Collision
KIA Sorento SX	AAA	$186	Eddie, 31 Willow Grove, PA	• State Minimum Liability • Comp / Collision

Last Updated Nov 30, 2023

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.

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Kia K5 LX	$148	$218
Kia K5 LXS	$137	$240
Kia K5 GT LINE	$114	$227
Kia K5 EX	$111	$220
Kia K5 GT	$109	$140

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	Insurance coverage
KIA K5 LXS	Progressive	$263	Willie, 40 Shelby, NC	• 50,000/100,000 Liability • Comp / Collision
KIA K5 GT Line	Safeco	$66	Gussie, 69 Lacey, WA	• 100,000/300,000 Liability • Comp / Collision
KIA K5 GT Line	Nationwide	$148	Myrtle, 29 Morrisville, NC	• State Minimum Liability • Comp / Collision
KIA K5 GT Line	Allstate	$492	Estelle, 33 Smyrna, GA	• 50,000/100,000 Liability • Comp / Collision
KIA K5 GT Line	Clearcover	$150	Carlos, 26 Lewisville, TX	• State Minimum Liability • Comp / Collision

Last Updated Nov 30, 2023

calculating your car insurance

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
Ford	$92	$170
Volkswagen	$93	$176
Cadillac	$97	$198
RAM	$98	$189
KIA	$99	$182

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 Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2019 Kia Niro	$31	$140
2023 Kia Telluride	$38	$138
2017 Kia Niro	$58	$167
2011 Kia Sedona	$64	$131
2020 Kia Sportage	$65	$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 Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2010 Kia Rondo	$167	$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

. 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

Progressive

Mildred (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Blairsville, GA

KIA Sportage LX

$69

per month

Travelers

Gavin (22 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Fremont, OH

$148

per month

best seniors’ car insurance

Estella (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Idaho Falls, ID

KIA RIO EX

$139

per month

National General

Albert (21 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Chicago, IL

KIA Optima SX

$234

per month

Mercury

Violet (21 years old)

Coverage

25,000 per person

50,000 per accident bodily injury

Comp / Collision

Vernon Township, NJ

KIA Forte EX

$291

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

helps counter the increase in insurance rates by providing discounts for safe driving habits.

Progressive

Leonard (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Duncan, SC

KIA Sorento LX

$97

per month

Tips to help you get a clean driving record

Esther (66 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Americus, GA

KIA Cadenza Premium

$309

per month

Safeco

Albert (69 years old)

Coverage

State Minimum

Tucson, AZ

KIA Optima Hybrid

$100

per month

Infinity

Jeff (76 years old)

Coverage

State Minimum

Humble, TX

KIA Sorento SX

$263

per month

Bristol West

Etta (65 years old)

Coverage

State Minimum

Cleburne, TX

KIA K5 EX

$302

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.

MORE:

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.

MORE:

How do I lower my car insurance after a speeding ticket?

Speeding Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Other Minor	KIA Optima LX	Progressive	$91	Leon, 39 Albany, OR	• State Minimum Liability
Speeding 1-5	KIA Forte FE	Travelers	$196	Delia, 40 Cheraw, SC	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	KIA Forte LX	Nationwide	$99	Ricky, 53 Marion, VA	• 100,000/300,000 Liability • Comp / Collision
Speeding 6-10	KIA Optima LX	AAA	$304	Daisy, 23 Columbus, OH	• State Minimum Liability • Comp / Collision
Speeding 11-15	KIA Sorento EX	Safeco	$95	Jay, 50 Roanoke, VA	• 30,000/60,000 Liability • Comp / Collision

Last Updated Nov 26, 2023

Cheapest car insurance for Kia drivers with a DUI record

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.

Progressive

Nannie (41 years old)

DUI

Coverage

State Minimum

Fort Wayne, IN

KIA Forte FE

$173

per month

Emily (33 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Benicia, CA

$226

per month

AAA

Agnes (31 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Disputanta, VA

KIA Sorento

$156

per month

Travelers

Myrtle (43 years old)

DUI

Coverage

State Minimum

Roy, UT

$174

per month

Plymouth Rock

Ada (35 years old)

DUI

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

Egg Harbor Township, NJ