How much does Kia car insurance cost?

How to find the cheapest Kia car insurance quotes 

Best car insurance companies for Kia drivers

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 

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.

Kia Sportage insurance costs 

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

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.

Kia Forte 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.

Kia Telluride insurance costs

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.

Kia Sorento insurance costs 

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. 

Kia K5 insurance costs 

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

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.

Are Kias more expensive to insure?

Cheapest Kia to insure

Most expensive Kias to insure

What factors affect Kia car insurance rates?

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.

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

Kia insurance cost for senior drivers

Kia insurance cost for drivers with driving violations 

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

Cheapest car insurance for Kia drivers with speeding ticket

Cheapest car insurance for Kia drivers with a DUI record

Cheapest car insurance for Kia drivers after an accident

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

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

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.

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. 

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